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

State laws can affect which business liability insurance policies you need for your small business. These policies are required in Washington, D.C.
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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.

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 or slander lawsuits
Professional liability insurance icon

Professional liability insurance

This policy, also called errors and omissions insurance, protects professionals whose work depends on their expertise. It covers client 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 property insurance and general liability insurance in one plan. 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 can cover medical costs for work injuries and illnesses.
  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
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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-owned vehicles
  • Theft of a business-owned vehicle
  • Damage to a company vehicle
Looking for different coverage? See more policies.

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
View Small Business Insurance Costs

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.

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