Small businesses in Washington, D.C. often buy these types of 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.
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.
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.
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.
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.
E&O, sometimes called professional liability insurance, is common with professional services in Washington, D.C. It can cover the cost of lawsuits related to your work performance.
This policy helps Washington, D.C. businesses survive data breaches and cyberattacks by paying for client notification costs, legal fees, and other related expenses.
Umbrella insurance boosts coverage on your general liability insurance, commercial auto insurance, and employer's liability insurance when the underlying policy reaches its limit.
This policy covers the value of a business's physical structure and its contents, such as inventory, equipment, and furniture. Bundle it with general liability coverage in a BOP for savings.
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Regional laws often affect business insurance requirements. These policies are required in Washington, D.C.
Trucking companies may need additional business insurance 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.
Review answers to frequently asked questions about business insurance in Washington, D.C.
Washington, D.C.'s data breach laws require businesses to report security breaches to affected residents, and the costs can escalate quickly. Cyber liability insurance lessens the financial impact by paying for notification costs, legal fees, and fines.
Yes, your region may have special requirements for business insurance and bonds for your industry. You may also need a license depending on the work you do.
Contractors often need to carry general liability insurance or surety bonds to perform certain types of work. Having the right insurance and bonds helps you comply with regional licensing requirements.
Cities, counties, and states may also have their own laws.
As with any purchase, shopping around is one of the best ways to find an affordable option. With Insureon, you can compare quotes from top-rated providers by filling out a free online application.
Other ways to save include bundling policies for a discount, and choosing less expensive policy options, such as lower limits or a higher deductible. Learn more about how to find cheap business insurance.