425-209-1206
South Sound / State Capital

Business Insurance for Olympia & Thurston County

Washington's capital city has a unique business ecosystem. We understand the needs of government contractors, local businesses, and growing enterprises.

15,000+Local Businesses
55,000+Population
$19.99Starting at/mo
Get Your Olympia Quote Same-day coverage available

Serving Olympia Businesses

As the state capital, Olympia's economy is anchored by state government while supporting a diverse mix of professional services, education, and local businesses.

Top Industries We Serve in Olympia

Government & Public Sector
Professional Services
Healthcare & Education
Retail & Hospitality
Construction & Trades

Insurance Coverage in Olympia

We offer comprehensive business insurance coverage for Olympia companies

General Liability

Protects against third-party claims for bodily injury, property damage, and advertising injury.

From $19.99/mo

Professional Liability

Covers claims of negligence, errors, or omissions in professional services.

From $29.99/mo

BOP

Combines general liability and property insurance in one convenient package.

From $49.99/mo

Workers Comp

Covers employee injuries and illnesses that occur on the job.

Why Choose a Washington Insurance Expert?

Local Knowledge

We understand Olympia's business landscape, from local regulations to industry-specific risks unique to your area.

Fast Service

Get quotes in minutes and coverage the same day. When you need a certificate of insurance for a Olympia project, we deliver.

WA Expertise

We specialize in Washington State requirements including L&I, licensing, and coverage mandates specific to your industry.

Competitive Rates

Access to multiple carriers means competitive pricing for Olympia businesses. Rates from $19.99/month.

Olympia Business Insurance FAQ

What insurance do Olympia businesses need?

Olympia businesses need standard coverage like general liability, with additional requirements based on industry. Government contractors often need specific coverage limits and may require additional bonds. Professional services need E&O coverage. Given the capital location, many businesses serve state agencies and need coverage that meets government contract requirements.

Do government contractors in Olympia need special insurance?

Yes, Washington State contractors typically need general liability insurance with at least $1M per occurrence, workers' compensation coverage, and sometimes commercial auto. Specific contracts may require additional coverage or higher limits. Professional service contractors usually need E&O insurance as well.

How much is business insurance in Olympia?

Business insurance in Olympia is typically affordable, starting at $19.99/month for basic general liability. The capital area's cost of living and business expenses are lower than Seattle/Bellevue, which often translates to lower insurance costs. Average small business coverage runs $40-$100/month.

What industries in Olympia need professional liability insurance?

Olympia has many professional service businesses that need E&O coverage: consultants serving state agencies, lobbyists and public affairs firms, accounting and legal services, IT consultants, healthcare providers, and educators. If you provide professional advice or services, you likely need professional liability coverage.

Does SmartInsured cover Lacey, Tumwater, and Thurston County?

Yes, we serve all of Thurston County including Olympia, Lacey, Tumwater, and surrounding areas. We also cover Lewis County (Centralia, Chehalis) and the broader South Sound region. Our statewide coverage means we understand both capital-area business needs and broader Washington requirements.

Also Serving Nearby Areas

Get Your Olympia Business Insured Today

Join 15,000+ businesses in Olympia with proper coverage. Get a free quote in minutes from our Washington State insurance experts.