NORTH DAKOTA GUIDE 10
North Dakota Insurance Agents, Applications & Failure to Procure Coverage
When expected coverage is missing or materially different from what was requested, the application and procurement record may create issues separate from interpretation of the issued policy.
- Obtain applications, quotes, proposals, renewals and change requests.
- Preserve communications concerning requested limits and coverages.
- Identify the producer’s role and relationship to the insurer.
- Compare requested coverage with the policy and endorsements actually issued.
Publication review note — September 17, 2026. Verify current producer statutes, regulations and controlling authority before publication.
VictimsGuide 