Coverage Guide

Coverage That Fits Your Business

Understand the different types of business insurance and find the right protection for your Washington business. Compare coverages, learn what each policy protects, and get a free quote in minutes.

Coverage Options

Find the Right Protection

Every business has unique risks. Explore the coverage types below to understand what each policy protects and which ones your business needs.

GL

General Liability

Protect your business from claims of bodily injury, property damage, and advertising injury. The foundation of business insurance coverage that every Washington business needs.

  • Bodily injury to third parties (customers, vendors, visitors)
  • Property damage you cause to others' belongings
  • Personal and advertising injury (libel, slander, copyright infringement)
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E&O

Professional Liability

Protect yourself from claims that your professional services caused financial harm. Essential coverage for consultants, tech companies, and anyone who provides advice or services for a fee.

  • Claims of professional negligence or errors in your work
  • Failure to deliver promised services or results
  • Missed deadlines that cause client financial loss
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BOP

BOP

The smart way to insure your business. A BOP bundles general liability and commercial property insurance into one convenient, cost-effective package with built-in business interruption coverage.

  • General liability coverage (bodily injury, property damage to others)
  • Commercial property (building, equipment, inventory, furniture)
  • Business interruption (lost income during covered closures)
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CA

Commercial Auto

Protect your business vehicles, employees, and cargo on Washington roads. From single work trucks to entire fleets, get the commercial auto coverage your business needs.

  • Liability coverage for bodily injury and property damage you cause to others
  • Collision coverage for damage to your vehicles from accidents
  • Comprehensive coverage (theft, vandalism, weather, hitting animals)
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D&O

D&O

Protect your company's leadership from personal liability. D&O insurance shields directors, officers, and managers from claims arising from their business decisions and management actions.

  • Personal liability of directors and officers for management decisions
  • Legal defense costs for covered claims against leadership
  • Settlements and judgments from shareholder lawsuits
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UMB

Umbrella

Extend your liability protection beyond primary policy limits. Umbrella insurance provides an additional layer of security when claims exceed your underlying coverage, protecting your business assets from catastrophic losses.

  • Excess liability above your general liability limits
  • Excess liability above your commercial auto limits
  • Excess liability above your employers liability limits
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PROP

Property

Protect your business assets from fire, theft, storms, and other covered perils. Commercial property insurance covers your building, equipment, inventory, and everything you need to operate your business.

  • Building structure (if you own it)
  • Business personal property (equipment, furniture, fixtures)
  • Inventory and stock
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CYBER

Cyber

Protect your business from the growing threat of cyber attacks. Cyber liability insurance covers data breaches, ransomware attacks, business interruption from cyber events, and the costs of recovery and notification.

  • Data breach response costs (forensics, notification, credit monitoring)
  • Ransomware payments and recovery expenses
  • Business interruption from cyber events
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IM

Inland Marine

Protect your tools, equipment, and property wherever your work takes you. Inland marine insurance covers valuable business property that moves between locations or is used at job sites throughout Washington.

  • Contractors' tools and equipment on job sites
  • Property in transit between locations
  • Equipment rented or leased to others
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Getting Started

Not Sure Which Coverage You Need?

Building the right insurance program starts with understanding the basics. Here's a proven approach for most Washington businesses.

Start with General Liability

The foundation coverage every business needs. Protects against third-party bodily injury, property damage, and advertising injury claims.

Add Professional Liability

If you give advice, provide services, or deliver professional work product, E&O coverage protects against claims of errors or negligence.

Bundle with a BOP

Combine general liability and commercial property into one policy. Most businesses save by bundling, with built-in business interruption coverage.

Layer with Umbrella

Add extra protection above your primary policy limits. Essential for businesses with significant assets or large contract requirements.

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