North Dakota Retail Stores businesses pay $55–$230/month.
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| Location | Est. Monthly Rate | Get Quote |
|---|---|---|
| Fargo | $58–$242/mo | Compare → |
| Bismarck | $55–$230/mo | Compare → |
| Grand Forks | $52–$219/mo | Compare → |
| Minot | $52–$219/mo | Compare → |
| West Fargo | $55–$230/mo | Compare → |
| Cass County | $58–$242/mo | Compare → |
| Burleigh County | $55–$230/mo | Compare → |
| Grand Forks County | $52–$219/mo | Compare → |
| Ward County | $52–$219/mo | Compare → |
| Williams County | $54–$225/mo | Compare → |
Retail Stores businesses in North Dakota typically pay $55–$230/month for business owner's policy (bop). Rates vary by city, revenue, employee count, and claims history.
North Dakota doesn't legally mandate business owner's policy (bop) for most businesses, but commercial leases, client contracts, and licensing boards typically require proof of coverage.
Business Owner's Policy (BOP) bundles general liability and commercial property into one cost-saving package. For Retail Stores businesses, key covered scenarios include: Customer slip and fall in store; Product liability from sold merchandise; Employee injury during stocking.
Top exposures: (1) Customer slip and fall in store, (2) Product liability from sold merchandise, (3) Employee injury during stocking, (4) Shoplifting and employee theft.
Top carriers in North Dakota for Retail businesses: The Hartford, Travelers, Liberty Mutual, Nationwide, Coterie, Thimble, CNA, and Employers. Use ERGO Next to compare coverage options from top-rated commercial carriers.
Yes — most Retail Stores policies can be quoted, bound, and issued same-day. Your Certificate of Insurance is available immediately after binding.
Rate estimates reflect 2026 industry data adjusted for North Dakota cost index. Content reviewed by My Digital Kube editorial team, licensed commercial insurance professionals.