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South Dakota Business Insurance Policies

biBERK is trusted by many companies for business insurance in South Dakota. We offer flexible policies for your specific needs to protect you from the many types of risk South Dakota businesses face.

South Dakota Workers' Compensation Insurance

In South Dakota, workers’ compensation rates and coverage are important to understand. Essentially, this insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. South Dakota workers’ compensation can cover medical costs, legal fees, and lost wages due to the injury. So, if your employee suffers a serious laceration that requires stitches and medication, those costs should be covered.

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South Dakota Professional Liability Insurance

Business liability insurance in South Dakota can sometimes be the difference between staying afloat and going out of business. With professional liability insurance, also known as errors and omissions (E&O) insurance, you can be protected from the cost of damages and legal fees if someone claims your professional service caused financial harm to them or their business. This form of business liability insurance in South Dakota covers both mistakes on the part of your business (errors) and the failure to perform a service (omissions). If your business provides professional advice, offers a professional service, or has contractual requirements for the coverage, this type of policy is for you.

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South Dakota Cyber Insurance

This type of South Dakota business insurance can be purchased as an add-on to other coverage. It helps cover costs related to system hacks or data security breaches in which sensitive information like credit card data has been stolen and fraud has occurred or there is reason to believe that it might occur.

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We Cover all Kinds of Professionals and Businesses in South Dakota, Including:

  • Accountants
  • Advertising firms
  • Appliance repair
  • Auto service and repair shops
  • Barber shops and salons
  • Carpentry services
  • Certified financial analysts
  • Computer programmers
  • Concrete construction companies
  • Contractors
  • Debris removal companies
  • Doctor offices
  • Electrical contractors
  • HVAC companies
  • Insurance companies
  • Interior and exterior painters
  • Janitorial services
  • Landscaping companies
  • Lawyers
  • Media relations firms
  • Messenger services
  • Motels
  • Photographers
  • Plumbers
  • Real estate companies
  • Recreation services
  • Restaurants
  • Salespeople
  • Stores
  • Transportation and trucking

Why Choose biBERK for Your South Dakota Business Insurance?

When it comes to South Dakota business insurance that’s personalized to suit your needs, we’re the experts.

Save Time

Get a quote entirely online or speak with one of our insurance experts for help getting a quote, buying a policy, or answering any questions you may have.

Save Money

We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than the policies with other insurance companies.


We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.

Female Business Owner

Why is biBERK Better for Small Business Insurance in SD?

Whether it’s workers’ comp in South Dakota or other small business insurance needs, we’re often less expensive and easier to do business with than other insurance companies thanks to simple processes that respect how busy you are as a business owner. We’re also part of the Berkshire Hathaway Insurance Group, the nation’s largest insurance company in terms of assets. You may know Berkshire Hathaway as the company started by Warren Buffett. Mr. Buffett began as a small business owner, and he’s dedicated to providing small businesses with services and value that can help them grow.

What do biBERK Customers Say?

What South Dakota Small Business Insurance is Required?

Workers' Compensation

South Dakota law does not require any employer to carry workers’ compensation insurance. However, it is highly recommended. If you don’t have workers’ comp coverage, you may be sued in civil court by an injured worker.

Other Policy Considerations

Even if your customers, clients, or partners don’t require you to carry specific policies, it’s recommended that you carry policies to cover any part of your business that could be at risk. Financially protecting your South Dakota company is one of the smartest business decisions you can make.

Workers' Compensation

South Dakota law does not require any employer to carry workers’ compensation insurance. However, it is highly recommended. If you don’t have workers’ comp coverage, you may be sued in civil court by an injured worker.

South Dakota Small Business Insurance Three Simple Steps


Get a Quote

Fill out a form online or give us a call to tell us about your company. You’ll have a quote in as little as five minutes.


Buy a Policy

Complete your purchase and make payments online or over the phone. You can pay your premium all at once or in monthly installments.


Get a Certificate

Download an instant Certificate of Liability Insurance immediately after purchasing a policy.

Get a Quote Today

Trust biBERK for business insurance in South Dakota and save up to 20%.