Coverage for security companies operating across the Peace Garden State.
North Dakota (ND)
North Dakota Security Guard Insurance
North Dakota's security guard market is significantly influenced by the state's energy industry, particularly the Bakken oil formation in western North Dakota, which has transformed the region's economy and security landscape. The North Dakota Private Investigation and Security Board regulates private security. The combination of oil field operations, military installations including Grand Forks Air Force Base and Minot Air Force Base, and the state's healthcare and university systems creates a market with both specialized industrial and conventional institutional security needs.
State Requirements
The North Dakota Private Investigation and Security Board regulates private security companies and guards. Companies must obtain a license, and individual guards must register after completing training and background checks.
North Dakota requires licensed companies to maintain general liability insurance. Workers compensation is administered through the North Dakota Workforce Safety and Insurance (WSI), the state's monopolistic fund that provides the sole source of workers compensation coverage. North Dakota uses a modified comparative fault system with a 50 percent bar. The state's relatively small population generally produces moderate verdict sizes.
Security Market
The Bakken oil region in western North Dakota, centered around Williston, Watford City, and Dickinson, generates significant demand for oil field and man camp security. These operations require guards who can work in remote and harsh conditions, often in temporary facilities with transient populations. The energy industry's boom-and-bust cycle creates variable security demand that tracks oil prices and drilling activity.
Fargo, the state's largest city, drives the conventional security market with healthcare facilities including Sanford Health and Essentia Health, North Dakota State University, and the city's growing commercial district. Grand Forks Air Force Base and Minot Air Force Base generate military-adjacent security demand. Bismarck's state government complex and the University of North Dakota campus in Grand Forks provide institutional security needs.
Licensing & Training
North Dakota requires security guards to complete Board-approved training covering legal authority, emergency procedures, and professional conduct. Armed guards must complete additional firearms training and qualification.
All applicants must pass criminal background checks. The Board monitors compliance through inspections of licensed companies. Guards working in oil field environments should receive additional training on industrial hazards, emergency response in remote locations, and working in extreme cold conditions. Companies serving military installations must ensure guards meet federal contractor requirements.
Recommended Coverage
- ●General liability at $1,000,000 per occurrence reflecting oil field and industrial facility exposure
- ●Professional liability for negligent security claims at energy facilities, healthcare campuses, and military-adjacent sites
- ●Workers compensation through North Dakota WSI covering extreme weather and remote site hazards
- ●Security operations liability for companies protecting oil field and energy infrastructure
- ●Commercial auto for patrol operations across North Dakota's vast distances
Security Guard Insurance FAQ — North Dakota
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