South Dakota Insurance: All Your Needs In One Place

Car insurance in South Dakota includes the coverages required by state law in addition to the coverages needed by drivers everywhere. By law, all drivers in South Dakota must carry at least these minimum car insurance coverages:

• Bodily injury liability: South Dakota state law states all drivers must carry at least $25,000 per person and $50,000 per accident of this coverage. Bodily injury liability insurance pays for injury treatment for other drivers involved in an accident and their passengers if you were at fault.
• Property damage liability: South Dakota state law states all drivers must carry at least $25,000 per accident of this coverage. Property damage liability insurance pays for the repairs to another driver's vehicle or property that you damage with your own vehicle.
• Uninsured motorist coverage: South Dakota state law states all drivers must carry at least $25,000 per person and $50,000 per accident of this coverage. Uninsured motorist coverage helps pay for the costs of physical damage to your vehicle, and injury treatment for you and your passengers if you're involved in an accident with an at-fault driver who doesn't carry enough car insurance of their own.

Drivers in South Dakota may also need to add the following coverages to their auto insurance policies:

• Personal injury protection: Covers medical bills, funeral costs, and even lost wages for the driver and their passengers after an accident.
• Collision: Covers the physical damage to your vehicle after an accident you're at fault for. 
• Comprehensive: Covers the physical damage to your vehicle caused by threats other than collision, including accidents with large animals, theft, storm damage, and more.
• Medical payments: Covers injury treatment for the driver or their passengers resulting from an accident they were at fault for.

You can talk to a local independent agent in South Dakota to find a plan that fits for you.

Business insurance in South Dakota offers the basic coverages that most businesses in the US need, including:

• Workers' comp insurance: Covers the costs of injury or illness treatment and rehabilitation if an employee gets injured or ill on the job. It can also pay for funeral costs if an employee dies on the job. Though there is no state law in South Dakota requiring employers to offer this coverage, it is highly encouraged.
• Commercial property insurance: Covers the costs of repairing or replacing stolen, damaged, lost, or destroyed company property, including inventory, the structure of the building, etc., if it's impacted by fire, vandalism, etc.
• Commercial general liability: Covers legal fees if a business gets sued by a third party for claims of bodily injury or personal property damage.
• Commercial vehicle insurance: Covers lawsuit costs as well as physical damage repairs or replacement if a company vehicle gets involved in an accident or is impacted by other covered perils like fire.

A local independent insurance agent in South Dakota can help you find a plan that fits the unique needs of your business.

Workers' comp in South Dakota covers medical treatment and rehabilitation expenses related to incidents of employee injury, illness, or death caused by job duties or the workplace. Coverage is not technically mandatory by South Dakota state law, as it is in most other states, but it is strongly advised. Businesses that offer workers' comp for employees are exempt from employee lawsuits for related incidents. 

An independent insurance agent in South Dakota can help you find a plan that fits your business without breaking the bank.

Restaurant insurance in South Dakota starts off with the basic protections provided by a business insurance policy. Afterward, restaurant insurance policies are finished off with these specific coverages, and possibly even more needed by businesses in the food service industry:

• Equipment breakdown coverage: Covers the costs of repairing or replacing large appliances used by restaurants, such as boilers, if they get damaged or destroyed by a covered peril.
• Spoilage coverage: Covers replacement costs of lost inventory like food if it gets spoiled due to an extended power outage, fire, or other covered peril.

If you need help finding coverage for your restaurant, talk to an independent agent in South Dakota.

Commercial vehicle insurance in South Dakota covers the costs of incidents that impact company vehicles, such as delivery vans, etc. If a business vehicle gets into an accident that sparks a lawsuit with a third party, legal costs can be covered by commercial vehicle insurance. Also, the costs of repairing or replacing company vehicles due to physical damage by fire and more are covered.

An independent insurance agent in South Dakota can help you find the plan you need to cover your vehicle or fleet.

Homeowners insurance in South Dakota includes the same standard protections as policies across the nation. These four core coverages are:

• Contents coverage: Covers the replacement or repair of your personal property like furniture if it gets stolen, lost, damaged, or destroyed by a covered peril like theft, fire, etc.
• Dwelling coverage: Covers the repair or rebuilding of your home's structure if it gets damaged, vandalized, or destroyed by a covered peril like falling objects, lightning strikes, etc.
• Additional living expenses coverage: Covers the unexpected extra costs if your home becomes temporarily uninhabitable after a major disaster like a fire, and can reimburse you for hotel rooms, takeout meals, and more.
• Liability coverage: Covers legal costs if a third party files a lawsuit against you for bodily injury or personal property damage.

If you need coverage for your home, an independent insurance agent can help find the plan for you in South Dakota.

Umbrella insurance in South Dakota is essential for extending an existing insurance policy's liability coverage. Policies like home insurance, auto insurance, business insurance, and even commercial vehicle insurance can be paired with umbrella insurance to increase liability coverage. Umbrella policies come with liability limits of $1 million or greater, so they're extremely useful for hefty lawsuits.

If you need the additional coverage that umbrella insurance offers, talk to an independent insurance agent in South Dakota.

Renters insurance in South Dakota acts very similarly to home insurance, except that it doesn't cover the exterior structure of the building you live in. Since the outer building is the landlord's responsibility, it's covered by their landlord insurance. However, renters still need coverage for their personal property and liability, so renters insurance includes the following:

• Personal property coverage: Covers your personal property like clothing if it gets stolen, lost, damaged, or destroyed by a covered peril.
• Liability coverage: Covers legal expenses if you get sued by a third party for bodily injury or personal property damage.
• Additional living expenses: Covers the costs associated with having to live somewhere else temporarily if your unit gets badly damaged by a fire or other major covered incident.

An independent insurance agent in South Dakota can help you find renters insurance quickly and easily.

There's no such thing as a one-size-fits-all insurance policy. With a wide variety of products and options at your disposal, you might need help from a professional to choose what you really need.

An independent insurance agent in South Dakota can help you choose the right policies and options to meet your specific coverage needs. Because they're independent, these agents can work with several of the best insurance companies in South Dakota to find you the right coverage at a great price.