North Dakota contractors insurance

Licensing & registration in North Dakota

Contractor licensing in North Dakota is handled at the state and/or local level and can vary by trade and project size — contractor licensing above certain project thresholds is commonly handled at the state level, and trades such as electrical and plumbing carry their own. Verify the current requirement with your state licensing board (and the city or county where you work) before bidding.

Many licensing bodies require a license or registration bond as a guarantee to the public, separate from your liability insurance. Whether a bond applies depends on your jurisdiction and trade, so confirm the current rule before working.

Coverages North Dakota contractors carry

• •General liability — generally intended to respond to third-party injury and property damage from your work, including completed-operations claims that surface after a job.
• •Workers’ compensation — required in most states once you have employees, and commonly required of subs by the GCs who hire them.
• •License / registration bond — a guarantee to the public required by many licensing bodies; distinct from your liability insurance.
• •Tools & equipment (inland marine) — optional coverage generally intended to address loss or damage to your own gear.
• •Commercial auto — for work trucks and vans; personal auto typically excludes business use.

Who needs it in North Dakota

Common North Dakota users include home builders and remodelers, roofers, electricians, plumbers, HVAC, and excavation contractors across Fargo, Bismarck, and Grand Forks.