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One smart application. Multiple coverage options from A-rated carriers. Our licensed agents help you get protected—often the same day.
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Industries We Serve
Coverage for Every Business
From contractors to consultants, we provide specialized coverage tailored to your industry's unique needs.
300+
Business Types
1,000+
Quotes Generated
Same Day
Coverage Available
100%
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Washington Contractors
Starting Your Contractor Registration?
Our step-by-step guide walks you through WA L&I registration, surety bonds from $150/yr, and liability insurance—all in one place.
See the GuideSurety BondsFrom $150/year
Liability InsuranceFrom $64.99/month
Same-Day COIsL&I formatted
Coverage Options
Insurance That Fits Your Needs
Choose from our comprehensive range of coverage options, each designed to protect what matters most to your business.
General Liability
Essential protection against third-party accidents, property damage, and bodily injury claims.
- Third-party bodily injury
- Property damage coverage
- Legal defense costs
- Advertising injury
Professional Liability
Covers claims of professional mistakes, negligence, or failure to deliver promised services.
- Errors & omissions
- Negligence claims
- Contract disputes
- Defense costs
Business Owner's Policy
Bundle general liability and property coverage for comprehensive protection.
- General liability included
- Property coverage
- Business interruption
- Equipment breakdown
Our Process
Get Covered in 4 Easy Steps
Our streamlined application connects you with coverage options from licensed carriers, with guidance from our expert agents.
1
Tell Us About Your Business
Answer a few quick questions. Our smart form adapts to your business type.
5 minutes2
Smart Matching
Our system identifies coverage options from our network of A-rated carriers.
Instant3
Review with an Agent
Compare options and get guidance from our licensed insurance professionals.
Expert support4
Get Covered
Purchase your policy and receive your certificate of insurance.
Same dayWhat Our Clients Say
Trusted by Local Businesses
Business owners across Washington rely on SmartInsured for straightforward coverage and responsive service.
“I was dreading the insurance process for my new restaurant, but the whole thing took less than a day. Had my certificate in hand before the landlord even asked for it.”
M
Maria L.
Restaurant Owner · Seattle, WA
“Switched from my old provider after they kept raising rates with no explanation. SmartInsured found me comparable coverage and actually walked me through what I was paying for.”
J
James T.
IT Consultant · Bellevue, WA
“As a GC, I need COIs fast when new jobs come in. These guys get it. No runaround, no waiting days for paperwork. Exactly what a small operation needs.”
D
David R.
General Contractor · Tacoma, WA
Why Business Owners Choose SmartInsured
We combine technology with human expertise to deliver a better insurance experience. No confusing jargon, no endless paperwork.
Licensed Insurance Agency
Fully licensed in Washington State with expert agents on your side.
We Work for You
As your agent, we find the best coverage—not just the easiest sale.
Smart Technology
Our platform streamlines quotes so you can focus on your business.
Human Oversight
Every application is reviewed by licensed insurance professionals.
Proudly ServingWashington State
As a locally licensed agency, we understand the unique insurance requirements for Washington businesses. From Seattle to Spokane, we're here to help you navigate state regulations and find the right coverage.
WA State Licensed
Local Compliance Expertise
Seattle-Based Support
State Requirement Knowledge
Common Questions
Frequently Asked Questions
Get answers to the most common questions about business insurance.
How fast can I get coverage?
Most businesses can get covered the same day. Our streamlined application takes about 5 minutes, and once you select your coverage, we can often bind your policy immediately.
What information do I need to apply?
Basic business details like your business name, type, annual revenue, and number of employees. No complex paperwork required to get started.
How much does business insurance cost?
Rates vary by business type, coverage needs, and risk factors. The best way to understand your specific costs is to get a personalized quote—it only takes a few minutes.
Can I cancel anytime?
Yes, you can cancel your policy at any time. Most carriers offer prorated refunds for unused premium.
Do I get a certificate of insurance?
Yes! Once your policy is active, you can download your Certificate of Insurance (COI) instantly. We also provide additional insured certificates when you need them.
Who are your insurance carriers?
We partner with A-rated carriers including nationally recognized names. Your specific carrier options depend on your business type and location.
Resources
From Our Blog
Expert guides and tips to help you make informed insurance decisions.
Coverage Guide
How Much Does General Liability Insurance Cost in 2026?
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SmartInsured Inc. is a licensed insurance agency in Washington State