Business Insurance · WA · ID · OR · AZ
Business insurance for Seattle and Washington.
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. Built in Seattle for businesses across Washington, Idaho, Oregon and Arizona.
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General Liability
Third-party injury, property damage, and personal and advertising injury claims, usually with defense of covered claims.
Explore coverageProfessional Liability (E&O)
Errors and omissions. Claims that your advice or professional services caused a client a financial loss.
Explore coverageCommercial Property
Building, contents and business income. Glass and signage can be added; check how your policy treats them.
Explore coverageCommercial Auto
From one vehicle to a fleet, plus hired and non-owned auto for employees driving their own cars on business.
Explore coverageWorkers' Comp
In Washington this is handled through the State Department of Labor & Industries.
Explore coverageCyber Liability
First-party and third-party sections for data and network incidents, which general liability isn't designed for.
Explore coverageCommercial Umbrella
Extra liability limits over your general liability, auto and employer's liability. Many contracts ask for higher limits.
Explore coverageBusiness Owners Policy
General liability, property and business income in one package, for eligible smaller businesses.
Explore coverageEmployee Benefits
Group health, dental, life and disability benefits for your employees.
Explore coverageCreative Studios
Errors & omissions, gear, and liability for designers, photographers, agencies, and dev shops.
Read the guideTattoo Studios
Professional and general liability, studio property and guest-artist questions.
Explore coverageContractors
General liability, tools & equipment, installation floater.
Read the guideNonprofits
Directors & officers, volunteer accident, and special event liability.
Learn about nonprofit insuranceRestaurants
Kitchen fire, food spoilage, liquor liability, and a tuned Business Owners Policy.
Learn about restaurant insuranceFloral Shops
Perishable stock, delivery exposure, and storefront property.
Learn about florist insuranceWineries
Vine-to-bottle property, tasting-room liquor liability, and equipment.
Ask about coverageAdventure & Entertainment
Participant liability, equipment, and special event coverage.
Ask about coverageAviation
Hull, hangar, and aircraft liability for owners and operators.
Ask about coverageBreweries
Tank-to-tap property, liquor liability, and equipment breakdown.
Ask about coverageChild Care Centers
Abuse & molestation, general liability, and accident coverage.
Ask about coverageChurches
Property, liability, pastoral counseling, and volunteer coverage.
Ask about coverageCondo Buildings
Master building property, association liability, and directors & officers.
Ask about coverageDance Studios
Participant injury, instructor liability, and studio property.
Ask about coverageDealerships
Garage liability, dealer's open lot, and inventory coverage.
Ask about coverageDental Offices
Malpractice, office property, and equipment for practices.
Ask about coverageDistilleries
Spirits property, liquor liability, and equipment breakdown.
Ask about coverageFarms
Dwelling, outbuildings, equipment, and livestock coverage.
Ask about coverageFire Departments
Apparatus, station property, and volunteer accident coverage.
Ask about coverageFitness Centers
Member-injury liability, equipment, and facility property.
Ask about coverageGarage Repair Shops
Garagekeepers, tools, and liability for repair shops.
Ask about coverageGolf Courses
Course property, liquor liability, and equipment coverage.
Ask about coverageHospitality
Property, general liability, liquor, and business income for hotels & inns.
Ask about coverageLandlord & Rental Property
Building property, premises liability, and loss of rents.
Ask about coverageLandscaping Services
General liability, equipment, herbicide/pesticide, and commercial auto.
Learn about landscaping insuranceManufacturers
Product liability, property, equipment breakdown, and business income.
Read the guideMedical Offices
Malpractice, office property, and cyber for practices.
Ask about coverageMunicipalities
Public-entity liability, property, and law-enforcement coverage.
Ask about coverageNightclubs & Bars
Liquor liability, assault & battery, and property.
Ask about coveragePet Businesses
Animal bailee, professional liability, and property.
Ask about coverageProperty Managers
Errors & omissions, general liability, and management liability.
Ask about coverageSchools
Educators legal liability, abuse, property, and student accident.
Ask about coverageTechnology Firms
Technology errors & omissions, cyber, and intellectual property coverage for software & IT.
Read the guideTrucking
Commercial auto, motor truck cargo, and physical damage.
Read the guideVeterinary Offices
Professional liability, animal bailee, and clinic property.
Ask about coverageWarehousing & Logistics
Warehouse legal liability, property, and cargo coverage.
Ask about coverageAbatement Contractors
Pollution liability, general liability, and equipment for abatement work.
Ask about coverageAlarm Contractors
Errors & omissions, general liability, and completed-operations for alarm installers.
Ask about coverageArborists & Tree Service
General liability, equipment, and felling/removal liability.
Learn about tree service insuranceArchitects
Professional liability (errors & omissions), general liability, and office property.
Ask about coverageArt Galleries
Fine art property, transit, and premises liability.
Ask about coverageBeauty Salons
Professional liability, general liability, and salon property.
Learn about salon insuranceCampsites
Premises liability, property, and recreational exposure.
Ask about coverageCannabis
Crop, product liability, property, and cargo coverage.
Ask about coverageCarpenters
General liability, tools, installation floater.
Ask about coverageCheer Gyms
Participant injury, abuse, and facility property.
Ask about coverageConcrete Contractors
General liability, equipment, and completed-operations coverage.
Learn about concrete contractor insuranceCrop
Multi-peril crop and revenue protection for growers.
Ask about coverageCyber Security Contractors
Technology errors & omissions, cyber, and professional liability.
Ask about coverageDefense Contractors
Professional liability, cyber, and the coverage federal contracts ask for.
Ask about coverageDriving Schools
Commercial auto, instructor liability, and general liability.
Ask about coverageDrywall Contractors
General liability, tools, and completed-operations coverage.
Ask about coverageElectrical Contractors
General liability, tools, installation floater, and workers' comp.
Learn about electrical contractor insuranceEngineers
Professional liability (errors & omissions), general liability, and office property.
Ask about coverageEquipment Rental
Rental property, general liability, and customer-damage coverage.
Ask about coverageExcavation Contractors
General liability, equipment, underground hazard.
Ask about coverageFinancial Institutions
Directors & officers, crime/fidelity, cyber, and professional liability.
Ask about coverageFire Protection Contractors
General liability, completed-operations, and professional liability.
Ask about coverageFlooring Contractors
General liability, tools, installation floater, and workers' comp.
Ask about coverageFood Distributors
Product liability, spoilage, fleet, and cargo coverage.
Ask about coverageFood Trucks
Mobile property, commercial auto, general liability, and product liability.
Learn about food truck insuranceFraternal Organizations
Liquor liability, directors & officers, and event coverage.
Ask about coverageFuneral Homes
Professional liability, property, and auto for funeral homes.
Ask about coverageFurriers & Garment Dealers
Stock, transit, and premises coverage for dealers.
Ask about coverageGas Stations
Tank pollution, property, general liability, and garagekeepers.
Ask about coverageGrocery Stores
Spoilage, slip-and-fall, property, and business income.
Ask about coverageHaunted Attractions
Participant liability, special event, and property.
Ask about coverageHome Health Care
Professional liability, abuse, and commercial auto.
Ask about coverageHomeowners Associations
Master property, directors & officers, and association liability.
Ask about coverageHVAC Contractors
General liability, tools, installation floater, and workers' comp.
Learn about HVAC contractor insuranceInsurance Agents
Agents errors & omissions, cyber, and office property.
Ask about coverageInterior Designers
Professional liability (errors & omissions), general liability, and property.
Ask about coverageInvestment Advisors
Professional liability, directors & officers, and cyber coverage.
Ask about coverageIT Contractors
Technology errors & omissions, cyber, and professional liability.
Ask about coverageJanitorial Services
General liability, janitorial bond, equipment, and workers' comp.
Learn about janitorial insuranceJewelers
Jewelers block, stock, transit, and premises.
Ask about coverageLand Surveyors
Professional liability (errors & omissions), general liability, and equipment.
Ask about coverageLegal Professionals
Lawyers professional liability, cyber, and property.
Ask about coverageLivery
Commercial auto, passenger liability, and physical damage.
Ask about coverageLivestock Mortality
Mortality and theft coverage for high-value animals.
Ask about coverageLogging
Equipment, general liability, and commercial auto for logging operations.
Ask about coverageMachine Shops
Equipment breakdown, property, product liability, and general liability.
Ask about coverageMarine Contractors
Marine general liability, equipment, and protection & indemnity.
Ask about coverageMasonry Contractors
General liability, tools, scaffolding, and completed-operations.
Ask about coverageMechanical Contractors
General liability, tools, installation floater, and workers' comp.
Ask about coverageMedia & Web Design
Media liability, technology errors & omissions, and cyber coverage.
Ask about coverageMining
Equipment, property, pollution, and general liability for operators.
Ask about coverageMobile Home Parks
Premises liability, property, and loss of rents.
Ask about coverageMotorcycle Dealerships
Garage liability, open lot, and inventory coverage.
Ask about coverageMoving Companies
Cargo, commercial auto, and warehouse legal liability.
Learn about moving company insuranceNail Salons
Professional liability, general liability, and salon property.
Ask about coverageOff-Campus Student Housing
Premises liability, property, and loss of rents.
Ask about coverageOffice Buildings
Building property, premises liability, and business income.
Ask about coverageOil & Gas
Control of well, pollution, equipment, and general liability.
Ask about coverageParcel Delivery Contractors
Commercial auto, cargo, and contingent liability.
Ask about coveragePasture, Rangeland, Forage
Rainfall-index forage coverage for ranchers.
Ask about coveragePersonal Trainers
Professional liability, general liability, and equipment.
Ask about coveragePest Control
Pollution, applicator liability, general liability, and auto.
Ask about coveragePlumbing Contractors
General liability, tools, installation floater, and workers' comp.
Learn about plumbing contractor insuranceProfessional Services
Errors & omissions for consultants, accountants, and advisors.
Read the guideReal Estate Developers
General liability, builders risk, wrap up, and project liability.
Ask about coverageReal Estate Investors
Property, premises liability, and loss of rents.
Ask about coverageResidential Drug Treatment Centers
Professional liability, abuse, and facility property.
Ask about coverageRetail Business
Inventory, slip-and-fall, property, and business income.
Learn about retail store insuranceRoll-Off Contractors
Commercial auto, equipment, and general liability for haulers.
Ask about coverageSecurity Guards
Assault & battery, professional liability, and general liability.
Ask about coverageSelf-Storage Facilities
Customers-goods legal liability, property, and general liability.
Ask about coverageSenior Care Facilities
Professional liability, abuse, and facility property.
Ask about coverageShellfish Farms
Aquaculture stock, equipment, and pollution coverage.
Ask about coverageSocial Services Agencies
Professional liability, abuse, and directors & officers.
Ask about coverageSports Facilities
Participant injury, spectator liability, and property.
Ask about coverageStaffing Agencies
Professional liability, employment practices liability, and workers' comp.
Ask about coverageTransportation
Commercial auto, cargo, and physical damage.
Ask about coverageWholesalers & Distributors
Product liability, stock, fleet, and cargo coverage.
Ask about coverage· Insurers we may approach for you
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 arrange coverage that knows the difference, and we explain it in plain English. Not sure what your business is exposed to? Walk through the Coverage Explorer first.
- Your landlord's policy protects their building, not your stock, your equipment, or your liability when a customer slips on your floor. And a package written for the average business can miss exposures specific to your industry, so it's worth reviewing against what you actually do.
- A business owners policy = general liability + property + business income, bundled. Usually not in it: business auto, workers' comp, professional liability and cyber, which are separate. Ask what a package leaves out before you buy it.
- 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.