Business Insurance in Washington, D.C.

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Learn about Washington, D.C.'s insurance requirements

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What are the requirements for small business insurance in Washington, D.C.?

State laws can affect which insurance policies you need for your small business. These policies are required for Washington, D.C. businesses.
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Workers' compensation insurance

Laws in Washington, D.C. require businesses with one or more employees to carry workers’ compensation insurance. Sole proprietors can purchase workers’ comp for themselves, but are not required to unless they have employees. This policy covers medical bills for work injuries and illnesses.

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Commercial auto insurance

All business-owned vehicles in Washington, D.C. must be covered by commercial auto insurance. Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.

Washington, D.C.'s commercial auto insurance requirements are:

  • Bodily injury liability: $25,000 per person / $50,000 per accident
  • Property damage liability: $10,000 per accident
  • Uninsured motorist coverage: $20,000 per person / $50,000 per accident / $5,000 property damage per accident

Recommended insurance policies for small businesses in Washington, D.C.

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How much does small business insurance cost?

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Commercial insurance can be affordable for a small business in Washington, D.C. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
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Insureon specializes in Washington, D.C. business insurance

In Washington DC, Insureon is licensed as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance and for surplus lines (license number 2883140). Verify our licensure with the National Association of Insurance Commissioners by selecting District of Columbia, Licensee, Business Entity, and then entering our NPN or license number.

What our customers are saying
"I was confused about what type of coverage I needed and Holly was extremely helpful. Way more helpful than I had experienced with other companies. I got the exact coverage I needed!"
Jessica Shannon
Customer since 2016
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