Business Insurance · WA · ID · OR · AZ · more to come

Insurance that actually knows your business.

Most agencies sell you a small business policy. We sell you your business policy, different deductibles, different exclusions, different insurance companies for your type of business.

Coverage lines7+
Industries7 industries + growing
Insurance companiesA+ only

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Find coverage your way.

GL

General Liability

Bodily injury, property damage, defense costs. The foundation of any business owners policy.

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PL

Professional Liability (E&O)

Errors and omissions. The 'we said it would do X and it did Y' policy.

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BP

Business Property

Building, contents, business income. Plate-glass and signage endorsements included.

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BA

Business Auto

Fleet, hired & non owned, owner operator. We'll write a single van or a fleet of 40.

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WC

Workers' Comp

In Washington this is handled through the State Department of Labor & Industries.

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CY

Cyber Liability

First-party and third-party coverage. More and more small businesses are victims, we're easy marks, and it's increasingly required by lease and contract.

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BU

Business Umbrella

$1M-$10M over your general liability, auto, and employer's liability. Many contracts require higher limits than your basic policies provide.

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· A market of A+ insurance companies

A+ national insurance companies
Regional insurance companies
Specialty & niche markets
Preferred & standard lines

Why generic policies miss

A template can't write your policy.

Generic small business policies are designed for the average, a coffee shop in a strip mall, a consultant with one laptop. Your business isn't average. A restaurant's biggest exposure is a kitchen fire and liquor liability; a contractor's is installation floater and jobsite liability; a creative studio's is professional liability and equipment.

We write coverage that knows the difference. And we explain it in English.

  • Your landlord's policy protects their building, not your stock, your equipment, or your liability when a customer slips on your floor. A generic business owners policy is a 70% solution, an industry-tuned one closes the rest.
  • A business owners policy = general liability + property + business income, bundled. Not in it: business auto, workers' comp, professional liability, cyber. Those are separate. Most agencies don't tell you what's missing, we do.
  • Yes. It's easier to get your coverage right from day one than to fix it later, so we love hearing from new businesses. A few of the questions and the insurance companies we use are different for a new business, and we handle all of that for you.

Get specific

Let's talk about your business.

One conversation, the whole market shopped, and a side-by-side of what actually fits. No 12 field form, we promise.