Business Insurance in Washington

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What are the requirements for small business insurance in Washington?

State laws can affect which insurance policies you need for your small business. These policies are required for Washington businesses.
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Workers' compensation insurance

With a few exceptions, Washington state law requires workers’ compensation insurance for every full-time and part-time employee of a business. Washington is a monopolistic state, which means coverage must be purchased through the state fund. This policy covers medical bills for work injuries and illnesses and can include coverage for additional expenses.
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Commercial auto insurance

All business-owned vehicles in Washington must be covered by commercial auto insurance. Washington requires a minimum of $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $10,000 property damage liability per accident.

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.

Recommended insurance policies for small businesses in Washington

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How much does small business insurance cost?

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Commercial insurance can be affordable for a small Washington business. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
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Insureon specializes in Washington business insurance

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.
What our customers are saying
"I was confused about what type of coverage I needed and Holly was extremely helpful. Way more helpful than I had experienced with other companies. I got the exact coverage I needed!"
Jessica Shannon
Customer since 2016
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