How much does Catering Service insurance cost in Fargo, North Dakota?

The estimated annual cost for a Catering Service in Fargo with one employee is between $868 and $1276. The state base rate is $810.

What insurance is required for a Catering Service in North Dakota?

In North Dakota, businesses are subject to a 5.0% insurance tax. Catering Services typically need General Liability due to a risk factor of 1.2.

Catering Service Insurance Cost in Fargo, North Dakota (2026 Guide)

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$868-$1276

Estimated Annual Premium

Monthly Average Breakdown

$85 / mo

Includes General Liability

Industry Risk Profile

Caterers face risks related to transporting food, equipment damage, and serving food at third-party venues.

Risk Factor1.2x

Location Factors

State Base Rate$810
Fargo Multiplier1x
State Tax Rate5.0%

Local Compliance FAQ

Is General Liability required in Fargo?

While North Dakota law may not mandate it for all businesses, Catering Services often need proof of insurance to bid on local commercial projects in Fargo.

Why is the rate different here?

Your premium reflects North Dakota's specific base rate of $810 and a local city multiplier of 1x.

Compare Catering Service Insurance in Other North Dakota Cities

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How much does Catering Service Insurance cost in Fargo?