Contractor Insurance
in North Dakota
Protect Your Business with Affordable Contractor Insurance in North Dakota
Working as a contractor in North Dakota comes with its own set of challenges—from harsh winters to remote job sites and strict licensing rules.
At ACI, we make it easy for general contractors and trade specialists to stay compliant and protected. Whether you’re based in Fargo, Bismarck, or anywhere in between, we’ll help you secure cost-effective coverage tailored to your trade and risk profile.
Why Contractors in North Dakota Choose ACI
Local Expertise
We understand North Dakota’s contractor licensing and insurance rules.
Same-Day Certificates
Get proof of insurance fast so you can bid and build without delays.
Flexible Payment Plans
Lock in protection with as little as 20% down.
Bundled Savings
Combine multiple policies and save up to 25% on premiums.
Insurance Coverage We Offer in North Dakota
We offer full-service coverage options to protect every aspect of your contracting business.
- General Liability Insurance
Protects against third-party injuries and property damage—often required for licensing and jobsite access.
- Workers’ Compensation Insurance
Mandatory in North Dakota for most businesses with employees. Covers job-related injuries, medical expenses, and lost wages.
- Commercial Auto Insurance
Covers work trucks, vans, and trailers used in the course of your business.
- Tools & Equipment Insurance
Provides coverage for stolen, lost, or damaged equipment—on or off the job site.
- Builder’s Risk Insurance
Covers structures in progress, including materials and labor, from damage due to fire, theft, or weather.
- Professional Liability Insurance
Protects against claims of negligence, project delays, or design-related errors.
Who We Cover in North Dakota
ACI insures general contractors and trade specialists across the state. Whether you’re a solo operator or run a growing crew, we’ve got coverage that fits.
We cover:
- General Contractors
- Electricians
- Roofers
- Plumbers
- HVAC Installers
Wherever your crew is working, we’ve got your back.
How Much Does Contractor Insurance Cost in North Dakota?
At ACI, we tailor every policy to your unique business, trade, and jobsite risks. The cost of your contractor insurance depends on several key factors that impact your exposure and liability.
Cost Factors
- Type of Work
Higher-risk trades like roofing or excavation may cost more to insure.
- Business Size
More employees or subcontractors typically mean higher premiums.
- Coverage Limits
Higher limits give you more protection—and affect your monthly rate
- Claims History
Clean records often qualify for the best rates.
- Location
Urban areas may carry slightly higher premiums than rural regions.
Want an exact number? Request a free, personalized quote today.
North Dakota Contractor Insurance Requirements
General Liability Insurance
Some cities or job types may require liability insurance to secure a permit or license.
Workers’ Compensation Insurance
If your business has employees, North Dakota law requires you to carry workers’ compensation.
Commercial Auto Insurance
All vehicles used for work purposes must be insured under a commercial policy.
Insurance mandates vary by trade and municipality. Let us help you stay compliant.
Get a Free Contractor Insurance Quote
in North Dakota
Start your next project with confidence. ACI delivers contractor insurance that’s fast, affordable, and built for your business.