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.
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.
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.
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.
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.
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.
State laws can affect which business insurance coverage you need. These policies are required everywhere in Washington, from Seattle to Spokane.
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.
Washington's minimum requirements for auto liability insurance are:
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).
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.