North Dakota has no tow-specific or intrastate motor-carrier liability minimum — the general $25,000/$50,000/$25,000 financial-responsibility floor applies. Intrastate nonhazardous tow operations are not subject to the federal $750,000, which is limited to interstate commerce.
Law: NDCC 39-16.1-11(2)(b); 49 CFR 387.3(a), 387.3(b), Part 387; NDAC 38-04-01-02, 38-06-02-05; NDCC ch. 49-18 (repealed) · NDCC ch. 49-18 (repealed); NDAC 38-06-02-05(2), 38-06-02-05(3)
NDCC 39-16.1 is titled 'Proof of Financial Responsibility for the Future'; its 39-16.1-11(2)(b) limits are the operative definition of the minimum motor vehicle liability policy (25/50/25). NDAC 38-04-01-01 states the adopted regulations are binding on all motor carriers operating within or through the state — but because 38-04-01-03 adds no scope amendment, Part 387's own 387.3(a) interstate limitation controls for the nonhazardous tier. NDCC 39-32-02(1)(c) exempts tow-truck drivers operating at law-enforcement request from intrastate hours-of-service rules — hours-of-service only, no insurance content. The August 2026 ND Insurance Department towing study (SB 2374 § 16) concerned towing/recovery coverage for vehicles with liability-only insurance and recommended no legislation — it creates no tow-operator insurance requirement. No statewide Highway Patrol rotation insurance rule found; city/county or local rotation terms may set their own. Verified 2026-10-14: all fields resolved (figure or confirmed absence).
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Message us on Messenger Typically responds within 15 minutes during business hours. Prefer to talk now? Call · Text Get a quote for North Dakota →Independent-contractor test: Common-law right-to-control, codified in a WSI rule. Presumption of employment: anyone performing services for remuneration is presumed an employee unless proven an IC under the common-law test.
Not required doesn’t mean not liable: if you don’t carry workers’ comp — even where it isn’t required for you — an injured worker may be able to sue you in court instead of being limited to comp benefits, because the exclusive-remedy shield generally depends on having coverage.
Minimums are the legal floor, not a recommendation — most operators carry more. Your operation (light-duty, heavy-duty, repo, rotation, motor club) decides which coverages fit. Take the coverage quiz →
Rotation is a local contract, not state law. Rotation agreements commonly require auto liability around $1,000,000 CSL, on-hook/cargo $50,000–$100,000, garagekeepers $50,000–$500,000, and the agency named as additional insured — check your agency’s agreement for its exact terms. Rotation readiness checklist →
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Informational only — not legal advice and not a quote. Requirements change — confirm the exact limits with your state DOT / public utilities commission and your rotation agreement before you buy. Minimums are the legal floor, not a recommendation — most operators carry more.