Business Insurance in Washington, D.C.

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.

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