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Business Insurance in Washington
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Recommended insurance policies for small businesses in Washington
General liability insurance
This type of business liability insurance is important for all Washington businesses. It covers common third-party risks, and it's required by most commercial leases.
BEST FOR
- Customer bodily injuries
- Personal injuries
- Advertising injuries
Professional liability insurance
This policy, also called errors and omissions insurance (E&O), protects Washington businesses that provide professional services or advice. It covers lawsuits related to work performance.
BEST FOR
- Work mistakes and oversights
- Professional negligence lawsuits
- Late or incomplete work
Cyber liability insurance
A cyber liability policy covers costs related to data breaches and cyberattacks. It's recommended for Washington businesses that handle credit cards and other sensitive data.
BEST FOR
- Customer notification expenses
- Fraud monitoring services
- Data breach investigations
Business owner’s policy
A BOP bundles commercial property insurance and general liability coverage in one plan. It's often the most cost-effective business insurance policy for a small Washington business.
BEST FOR
- Slip-and-fall injuries
- Damaged customer property
- Damaged business property
Workers’ compensation insurance
Washington businesses must provide workers' comp for their employees, with some exceptions. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Physical and occupational therapy
Commercial auto insurance
This policy is required for business-owned vehicles in Washington. It covers injuries and property damage in an accident, along with vehicle theft, vandalism, and weather damage.
BEST FOR
- Accidents involving commercial vehicles
- Theft of a business-owned vehicle
- Damage to a company vehicle
Looking for different coverage? See more policies.
Washington state business insurance requirements
State laws can affect which business insurance coverage you need. These policies are required everywhere in Washington, from Seattle to Spokane.
Workers' compensation insurance
With a few exceptions, Washington state law requires [PDF] businesses with employees, full-time or part-time, to carry workers’ compensation insurance.
Washington is a monopolistic state, which means coverage must be purchased through the state fund. This policy covers medical bills for work-related injuries and illnesses and can include coverage for additional expenses.
Workers' comp policies purchased through the state fund don't include employer's liability insurance, which helps pay for lawsuits related to employee injuries. Washington employers can buy this protection through a private insurer as stop gap coverage.
Commercial auto insurance
All business-owned vehicles in the Evergreen State must be covered by commercial auto insurance. This policy covers the cost of accidents involving work vehicles.
Washington's minimum requirements for auto liability insurance are:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $10,000 property damage liability per accident
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 commercial general liability insurance or a business owner's policy (BOP).
How much does small business insurance cost?
Commercial insurance can be affordable for Washington small business owners. Factors that influence the cost include:
- Type of business and its risks
- Business operations and location
- Number of employees
- Types of business insurance purchased
- Policy limits and other coverage options
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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'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, Insureon is licensed as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance and for surplus lines (license number 762324). Verify our licensure with the Washington State Office of the Insurance Commissioner by selecting the "Agency Search" tab and then entering our license number.