Business Insurance in Washington, D.C.

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Get small business insurance for your business in Washington, D.C.

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

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

General liability insurance icon

General liability insurance

This policy is important for all Washington, D.C. businesses. It covers common risks, including customer property damage and injuries. Most commercial leases require this coverage.

  • Customer injuries at your business
  • Damaged customer property
  • Libel and other advertising injuries
Professional liability insurance icon

Professional liability insurance

This policy, also called errors and omissions insurance (E&O), protects professionals whose work depends on their expertise. It covers lawsuits over mistakes and missed deadlines.

  • Work mistakes and oversights
  • Professional negligence lawsuits
  • Late or incomplete work
Cyber liability insurance icon

Cyber liability insurance

This policy helps Washington, D.C. businesses survive data breaches and cyberattacks by paying for client notification costs, legal fees, and other related expenses.

  • Data breach lawsuits
  • Client notification expenses
  • Fraud monitoring costs
Business owner’s policy icon

Business owner’s policy

This policy bundles commercial property insurance and general liability coverage. It's often the most cost-effective type of commercial insurance for a business in Washington, D.C.

  • Customer injuries
  • Damaged customer property
  • Damaged business property
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ compensation insurance is required for Washington, D.C. businesses that have one or more employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Commercial auto insurance icon

Commercial auto insurance

This policy is required for business-owned vehicles in Washington, D.C. It covers injuries and property damage in an accident, along with vehicle theft and certain types of damage.

  • Accidents involving business vehicles
  • Theft of a business-owned vehicle
  • Damage to a company vehicle
Looking for different coverage? See more policies.

Washington, D.C. business insurance requirements

Regional laws can affect which business insurance coverage you need. These policies are required in Washington, D.C.
Blue check mark

Workers' compensation insurance

Laws in Washington, D.C. require [PDF] businesses with one or more employees to carry workers’ comp insurance.

Sole proprietors can purchase workers’ comp for themselves, but are not required to unless they have employees. This policy covers medical payments for work-related injuries and illnesses.

Blue check mark

Commercial auto insurance

All business-owned vehicles in Washington, D.C. must be covered by commercial auto insurance. This policy covers the cost of accidents involving your work vehicle.

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

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability
  • $25,000 uninsured motorist coverage per person
  • $50,000 uninsured motorist coverage per accident
  • $5,000 uninsured motorist property damage

Trucking companies may need additional coverage to comply with regulations.

Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance (HNOA), as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy (BOP).

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 your premiums include:

  • Type of business and its risk
  • Business revenue and location
  • Number of employees
  • Type of insurance purchased
  • Coverage limits
  • Claims history
View Small Business Insurance Costs
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Find the right policies and get your certificate of insurance

Insureon's licensed agents can help you find policies that fulfill Washington, D.C.'s requirements and your business insurance needs. Once you've purchased insurance with us, you can download a certificate of insurance by logging into your account.

In Washington, D.C., 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.

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