Fargo Moorhead Insurance

Fargo Moorhead Insurance Shop several Companies with ONE phone call At Fargo-Moorhead Insurance you get the personal service you deserve.

Located in Fargo, ND, we are a group of proven individuals and caring and conscientious people; the kind of people you can depend on. We have a commitment to maintain the highest standards of excellence and establish a firm relationship of mutual trust with each of our clients.Our insurance services include: Auto Insurance Homeowners Insurance Business Insurance

Life and Health InsuranceWe feel that being an independent insurance agency offers our clients many advantages, we do not work for an insurance company; we work for you. We represent a carefully selected group of reputable insurance companies, and we place your policy with the company offering the best coverage at a competitive price. When you have problem or loss we work on your side to see that it is handled in a fair, prompt manner.Call Fargo-Moorhead Insurance for more information today!

Heading out of town this July? Give your house the five-minute goodbye it deserves.Before you lock up, check:- sump pump...
07/18/2026

Heading out of town this July? Give your house the five-minute goodbye it deserves.

Before you lock up, check:
- sump pump and basement areas
- windows and doors
- appliances and water connections
- outdoor furniture before storms
- trusted neighbor or family contact

It is a small checklist, but it can make a big difference when Fargo-Moorhead weather decides to be dramatic while you are gone.

Need to review your home coverage before vacation season gets away from you? FMI can help.

If the sky got loud last night, give your home a calm 10-minute look today.After summer wind, hail, or heavy rain around...
07/16/2026

If the sky got loud last night, give your home a calm 10-minute look today.
After summer wind, hail, or heavy rain around Fargo-Moorhead, check for:

Loose siding or shingles

Dented gutters or downspouts

Water where it should not be

Branches near the roofline

Take photos before cleaning anything up, and call if you’re unsure what your policy may cover. A quick check now can save a bigger headache later.

Fair food. Carnival lights. One mysteriously sticky cup holder.If you’re headed to the Red River Valley Fair, here’s you...
07/16/2026

Fair food. Carnival lights. One mysteriously sticky cup holder.

If you’re headed to the Red River Valley Fair, here’s your friendly reminder to do the quick car check before you go: current insurance card, no valuables sitting out, and a plan for the parking lot shuffle.

A fun summer night is better when the boring-but-important stuff is handled first.
What’s your must-get fair food this year?

The moment you bring on your first employee, most states require you to carry workers' compensation insurance. Rules var...
07/16/2026

The moment you bring on your first employee, most states require you to carry workers' compensation insurance. Rules vary by state and industry, but the threshold is often one W-2 employee. Some states include part-time workers, and a few cover sole proprietors by default.

Workers' comp covers medical bills, a portion of lost wages, rehabilitation costs, and death benefits when an employee gets hurt or sick on the job. In exchange, employees generally give up the right to sue their employer for that injury. That protection works in both directions.

Operating without required coverage can result in steep fines, stop-work orders, and personal liability for the owner if an injury occurs. The fines often dwarf what the policy would have cost in the first place.

If you're hiring or thinking about it, get this in place before day one. Call now!

A customer trips in your shop and breaks a wrist. A contractor's tools fall through a client's ceiling. A competitor cla...
06/30/2026

A customer trips in your shop and breaks a wrist. A contractor's tools fall through a client's ceiling. A competitor claims your ad copy misrepresents their product. Any of these can land on a small business as a lawsuit.

General liability insurance responds to claims of bodily injury, property damage, and personal and advertising injury caused by your business operations. It pays for legal defense, court costs, settlements, and judgments up to your policy limits, even when the claim turns out to be without merit.

Defense costs alone can run into the tens of thousands of dollars long before anything reaches a courtroom. Many landlords, vendors, and clients now require a certificate of insurance showing general liability coverage before they'll sign a contract or let you on site.

If you run a business of any size, this coverage is foundational. Call us today.

A Business Owner's Policy, or BOP, packages two essential coverages into one product: general liability and commercial p...
06/29/2026

A Business Owner's Policy, or BOP, packages two essential coverages into one product: general liability and commercial property. Many BOPs also include business interruption coverage, which replaces lost income if a covered event forces you to close temporarily.

Bundling these coverages usually costs less than buying them separately, and carriers often add helpful extras: equipment breakdown, data compromise, employee dishonesty, and coverage for valuable papers and records. Note that the exact mix varies by insurer.

BOPs are designed for small to mid-sized businesses with manageable risk profiles. Eligibility depends on your industry, revenue, square footage, and claims history. Restaurants, retail shops, professional offices, contractors, and many service businesses commonly qualify. High-hazard operations may need a different structure.

If you currently piece your coverage together one policy at a time, a BOP review is worth twenty minutes. Call us, and we'll take a look.

Liability is the part of your auto policy that pays for damage and injuries you cause to other people and their property...
06/26/2026

Liability is the part of your auto policy that pays for damage and injuries you cause to other people and their property. Most states require it. Full coverage adds collision and comprehensive, which pay to repair or replace your own vehicle after a covered loss.

Full coverage makes a lot of sense when you owe money on the car or when its value is high enough to justify protection. The math gets trickier on older vehicles. If your car is worth $3,000 and you're paying $1,500 a year for full coverage with a $1,000 deductible, you're spending half the car's value each year for a maximum payout of about $2,000.

That doesn't mean dropping coverage is automatically right. It depends on your savings, how essential the car is, and your risk tolerance.

We can walk through it together—call now!

An accountant misses a deduction, and the client gets a tax bill they didn't expect. A consultant recommends a strategy ...
06/24/2026

An accountant misses a deduction, and the client gets a tax bill they didn't expect. A consultant recommends a strategy that backfires. A web designer ships a site with a bug that costs the client sales. A real estate agent leaves a clause out of a contract.

Claims like these fall under professional liability insurance, sometimes called errors and omissions or E&O. General liability handles bodily injury and physical property damage. It won't respond to a lawsuit alleging that your advice, your work product, or a missed deadline caused a client financial harm.

If you charge for expertise, services, or advice in any form, you have professional liability exposure. Defense costs alone can run into tens of thousands long before a verdict or settlement.

Many client contracts now require proof of E&O coverage before work can begin. Call us for a quote.

Two homeowners with similar policies can get very different checks for the same loss. The difference often comes down to...
06/22/2026

Two homeowners with similar policies can get very different checks for the same loss. The difference often comes down to one line buried in the declarations page: actual cash value versus replacement cost.

Actual cash value pays the depreciated worth of what was damaged. A 10-year-old roof might be valued at a fraction of what a new one costs to install. Replacement cost pays to put a comparable new version in its place, subject to your policy limits.

The same hailstorm can produce a $5,000 ACV settlement and a $20,000 replacement cost settlement on the same roof. Personal property works the same way. Your 8-year-old TV is worth a lot more new than depreciated.

Pull out your policy and look for the loss settlement section. If you have questions about what you're seeing or want to upgrade, call so we can help.

You can do everything right behind the wheel and still get hit by someone who can't pay for the damage. Roughly 14% of U...
06/19/2026

You can do everything right behind the wheel and still get hit by someone who can't pay for the damage. Roughly 14% of US drivers, about 1 in 7, carry no auto insurance at all. Many more carry the bare state minimum, which can be exhausted by a single ER visit.

Uninsured motorist coverage steps in when an at-fault driver has no insurance, including hit-and-run situations in many states. Underinsured motorist coverage kicks in when the other driver has a policy, but their limits aren't enough to cover your medical bills, lost wages, or pain and suffering.

Both coverages are usually inexpensive to add and pay for things your collision policy won't, like medical care and lost income. Some states require them. Even where they're optional, skipping them is a gamble.

Let us check your current limits. Call today.

Address

428 25th Street S
Fargo, ND
58103

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

(701) 271-8110

Website

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