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Commercial Insurance

Reduced business risks, creative
planning for current and future needs.

Our business is protecting YOUR business!

Businesses are subjected to more risks and uncertainty than ever before, with new risks coming up just when you think you’ve dealt with the last. We also know that protecting your business from these risks seems like a daunting task…and that’s where Fargo Moorhead Insurance comes in!

Let us become the ‘silent partner’ in your corner to ensure the future of your business. We are commercial insurance brokers offering competitive commercial insurance rates while keeping your primary business coverage needs in mind.

In North Dakota and Minnesota, Fargo Moorhead Insurance delivers the protection you need at rates that won’t bust your bottom line.

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    What are my business insurance options?

    We know that every business is unique. With that in mind, we work hard to create specialized business insurance policies in Fargo Moorhead to meet these unique needs. Depending on the nature of your business, the risks you face, the number of people you employ, and many other factors, these are some of the commercial insurance policy options that might be right for you and your business:

    Z General Liability
    Z Professional Liability
    Z Worker’s Compensation
    Z Garage
    Z Bonds
    Z Errors & Omissions
    Z Builder’s Risk Insurance
    Z Auto Dealer
    Z Garage liability
    Z Mechanic and body shop
    Z Cabs and Limousines
    Z Umbrella
    Z Autos & Fleet
    Z Construction Contractors
    Z Trucking – Short Haul

    Do I need business insurance?

    Not every business owner needs every type of business insurance. That being said, there are certain options that suit a variety of businesses and offer broad coverage for common risks. These include commercial auto insurance, general liability insurance, and worker’s compensation insurance.

    In fact, worker’s compensation is considered a form of mandatory coverage in both North Dakota and Minnesota. This mandate applies to most businesses once they hire a single employee. But it isn’t only your employees this coverage helps protect! It’s also beneficial for you, as a business owner, to have financial coverage in place in case your employees are injured on the job and you’re left to cover their medical bills, lost wages, or other damages.

    Regardless of whether you require one type of business insurance or a selection of business insurance options, we’re here to help you cover all of your bases with plans that work for you, your budget, and your business.

    What is business interruption insurance?

    Business interruption insurance is an incredibly important type of business insurance that’s useful for most business owners.

    As a business owner, the thought of not being able to run your produce and earn an income is a terrifying thought. There are a number of factors that could lead to this happening, including a storm that knocks at the power at your restaurant, causing all of your refrigerated food to spoil—or a number of other disasters that render your business unable to operate.

    Until you’re able to replace those resources and run your business, business interruption insurance can provide you with the finances you need to keep your business on its feet, including paying bills and employee wages.

    CLICK HERE for your free, no-obligation business insurance quote from Fargo Moorhead Insurance.

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    For all of your personal and commercial insurance needs, Fargo Moorhead Insurance has been servicing clients in the Fargo Moorhead area for 50 years.