Errors and Omissions Insurance in
North Dakota

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What is Insurance for Errors and Omissions Insurance?

Errors and Omissions Insurance also known as Professional Liability cover protects businesses and professionals from financial losses arising from negligence or error during the delivery of professional services.

According to the U.S. Small Business Administration (SBA) Office of Advocacy as of 2022 there are 75,265 small businesses in Peace Garden State. While they account for 99.8% of all the state’s businesses, these figures are on the rise.

No matter which field you are in, the type of products you sell, or the nature of your services there is always the potential for making mistakes. Even if you have an excellent track record any error can result in a lawsuit being filed against you business.

In a highly aggressive business environment, and where clients are becoming more demanding, Errors and Omissions Insurance that is also called Professional Liability Insurance, is needed to help small business owners safeguard their future financials. Errors and Omissions Insurance covers your business against claims as caused by your negligent actions (errors) or poor services (omissions).

What does Error and Omissions Insurance cover?

In Peace Garden State, E&O insurance is a broad range of expenses, up to the limit that is specified in your insurance contract. You can save:

  • Legal costs – Most lawyers have an hourly charge. The cost of hiring a competent lawyer is costly, even if the matter is resolved swiftly. The longer it takes for the case to be settled, the more money you will need to pay.
  • Court Expenses – Filing papers with the court expenses, underwriting charges, and other administrative expenses.
  • Settlements are a way to save both parties money from expensive long-drawn-out litigation, usually claims are settled outside of court. Depending on what your legal advisor advises it is possible to pay the client a specific amount.
  • Judgments – If your case goes to trial and the judge finds for the plaintiff then you’ll be required to pay the judged amount. In the event that you do not, there is the possibility of a lien being placed on your assets as a business.

Who needs Errors and Omissions insurance?

Errors & Omission insurance is recommended for professional and business owners whose work involves giving advice, providing guidelines, or creating solutions.
No matter if the claim is valid or not, Errors & Omissions insurance can protect you, your business, and your image from costly consequences.
Professions that typically need E&O insurance include but are not limited to:

Architects Notary Publics 
Consultants Personal Trainers
Engineers  Pilates Instructors 
Home Care Providers and Businesses Yoga Instructors 
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What is the cost for Errors and Omissions insurance in ND?

The average annual cost for E&O insurance in North Dakota is $600 per year. However, it depends on your particular business. Similar to other insurances the more risk factor, the more premium you’ll have in order to cover that risk.

Factors that will determine the expense of your errors and Omissions are:

  • Your business’ priorities, location and risk appetite
  • The size and turnover of your business
  • The amount of insurance coverage you need
  • If so, what was your prior claims experience
  • The person being covered is their skills, qualifications, and suitability for position and whether they have any claims history

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How can I obtain E&O insurance for a business in North Dakota?

BizInsure lets you compare E&O policies with the highest-rated U.S. insurance providers, and determine the most effective insurance for your small enterprise at an affordable cost.

Learn more about E&O insurance in the states where you work.

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Wyoming

As with any insurance, coverage will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this guide is general only and should not be relied upon as advice. The number of quotes provided varies between products, occupations and other underwriting factors determined by the insurers.
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Leeroy P.
Leeroy P.
Good service
Cheryl M.
Cheryl M.
Jennifer was amazing, informative and guided me to exactly what was needed to cover my business. Highly recommend.
Ruth M.
Ruth M.
First of all the agent I spoke with was very kind and helpful. Her name is Andrea. I appreciate the easy and quick online application to purchase my insurance.
Patience M.
Patience M.
I worked with Amy on getting professional insurance and she was fantastic! Some of the best customer service I’ve experienced in a long time. She was diligent and supportive, but never pushy.
Jamie F.
Jamie F.
The process was smooth and everyone answered questions along the way as needed. Andrea’s follow-up was excellent. Thank you!
Don C.
Don C.
Jen was awesome
Lawrence W.
Lawrence W.
I have been with Bizinsure for many years and they are always up to date with the latest policy information and the most competitive rates!
wayne A.
wayne A.
My interaction with the agent was very pleasant and she answered my questions. She also responded very quickly when I had questions.
Tiffany S.
Tiffany S.
BizInsure understood exactly what I needed and provided an affordable quote. The process was easy and I'm glad I used their services!
Sue N.
Sue N.
Our company has been with BizInsure since 2020. we are very happy with the service they provide.
TALLAHASSEE PT & REHAB SVCS II L.
TALLAHASSEE PT & REHAB SVCS II L.
Very Fast and easy
Melody W.
Melody W.
Just started but the process was easy. Agent was kind and the price was great.I will see how the service is going forward, but starting was very easy and inexpensive.
Doris J H.
Doris J H.
Customer service was great! I got the help I needed!
Sharon S.
Sharon S.
Super A rated and affordable coverage.
Rachel L.
Rachel L.
Dina and Ashleih were so helpful! They made our package work for us. Grateful for the quick service.
DULUTH HEALTHCARE S.
DULUTH HEALTHCARE S.
I want to thank you for making my insurance search so simple and efficient. I also appreciated the easy communication options, which helped me make the right purchase decision. I'm really grateful for your company's support!.
Kerith B.
Kerith B.
Jenifer S. was the agent that I worked withi to secure general liability insurance. She was very knowledgeable, helpful and worked diligently to ensure that.my coverage needs were met and for a great price. I would definitely recommend her to others as she was a pleasure to work with.
Lotanga J.
Lotanga J.
The agent was very knowledgeable and was very quick in handling my request.
Michelle T.
Michelle T.
Good customer service
Diana M.
Diana M.
Fast friendly professional service
Chip R.
Chip R.
Jennifer was fabulous. Quick & easy quote for GL/PL coverage and saved me money over previous policy. My wife referred me - she's always right!!
Tina P.
Tina P.
Representative was very kind, helpful, and educated me well. I especially appreciate their professionalism and patience.
Mason J.
Mason J.
Been with this company for about 4 years. They have provided me with excellent coverage, user-friendly technology and very low rate. As an accountant, they are my first choice for my small business clients.
Bob D.
Bob D.
Absolutely the easiest, absolutely the fastest, the best I can tell the lowest cost. For many businesses, Insurance is a dirty word, because it's complicated and we're actually so busy minding our business that when complicated insurance issues get in the way, it slows us down. But not with these guys. Biz Insure LLC has figured it out and thank goodness they have...
Woman OF D.
Woman OF D.
Thanks, you for your service
Queena
Queena
I want to say thank you for all the hard work the agent put in with me. She was glad to hear from me. Very pleasant to deal with and solved my needs
Sherry S.
Sherry S.
Thank you for your professionalism and patience and helpfulness with my insurance needs for my new business. Thank you, Amy Raley as well for all of your help - you are sincerely appreciated and you are an asset to BizInsure LLC!
Michelle C.
Michelle C.
I have been using Bizinsure for several years and find the ease of renewing as well as generating additional insured certificates to be easy and useful, especially as a sole prop. thank you
Pauline L.
Pauline L.
Agent was precise and clear with explanation. Getting a quote was fast and easy. Thank you
Plain S.
Plain S.
Easy to renew Policy
Kunbi A.
Kunbi A.
BizInsures insurance is easy and affordable. Employees are well courteous and professional.
William T.
William T.
The renewal process is fast and efficient.
Hive E.
Hive E.
Easy to get Quote and start insurance with the recommended Insurance company. Not sure yet on services there after.
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