Bowerman Insurance

Open Mon - Fri 8:30am-4:30pm

114 S. Mitchell Avenue

PO Box 288 Steele, ND 58482

P: (701) 475-2340 F: (701) 475-2499

Business Insurance

Business Owner's Insurance Policy offers protection from major property and liability risks.


Covers your property such as a building and any inside business property you may have. For example the computers, office equipment, office furniture, tools, small equipment, etc. If any one item is worth more than $1,500, you may want to schedule this item separately.


This can compensate you for lost income if your company has to move out of your current premises due to covered claim/damage, such as a fire. Interruption Insurance covers the profits you would have earned, based on your financial records had the damage not occurred. This would also cover operating expenses.


Coverage for your business liability exposures you may have, for example your company's legal responsibility for the harm it may cause others. This would be the result of anything you or your employees did or didn't do that may cause bodily injury or property damage due to defective products, faulty installations or errors in services.


If you own rental property, whether its an apartment building or a one or two-family rental complex, we can find the right coverage for you. We will make sure it covers both property and liability/medical coverage, plus offers you the opportunity to customize the package with options that meet your specific needs.

  • Business Buildings & Other Structures
  • Business Personal Property
  • Scheduled Business Items
  • Liability and Medical Expenses


Coverage is available for the auto you use for business. Whether it be for your business in town or your farm/ranch out in the country. Protect your farm or commercial business with Business Auto Insurance, because road conditions, weather or other drivers on the road are simply beyond your control. Additional coverage available for pollution, employees, hired and non-owned auto, loan/lease, loss of use or replacement cost.


If you own an apartment building or a one, two or four family duplex, we have the company that will fit your specific needs. The coverage can include:

  • Building & Other Structures
  • Business Personal Property
  • Liability & Medical Expenses


  • Replacement Cost Coverage on structures and business personal property
  • Business Income - Loss of Income
  • Extra Expense Coverage
  • Inflation Guard Protection
  • Increased Cost of Construction - Ordinance or Law
  • Pollutant Clean Up and Removal
  • Additional Insured
  • Liquor Liability
  • Spoilage
  • Cyber Liability
  • Commercial Umbrella
  • Product Recall
  • Care, Custody and Control
  • Electronic Data


  • Employee Benefit Liability
  • Employee Dishonesty
  • Hired Auto & Non-Owned Auto
  • Employment Related Practices Liability