425-209-1206
Puget Sound

Business Insurance for Seattle Companies

From tech startups in South Lake Union to restaurants in Capitol Hill, we help Seattle's diverse business community get the coverage they need.

100,000+Local Businesses
750,000+Population
$19.99Starting at/mo
Get Your Seattle Quote Same-day coverage available

Serving Seattle Businesses

Seattle is the economic hub of the Pacific Northwest, home to major corporations and a thriving small business ecosystem.

Top Industries We Serve in Seattle

Technology & Software
Coffee Shops & Restaurants
Construction & Trades
Healthcare & Wellness
Professional Services

Insurance Coverage in Seattle

We offer comprehensive business insurance coverage for Seattle 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 Seattle'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 Seattle 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 Seattle businesses. Rates from $19.99/month.

Seattle Business Insurance FAQ

What type of business insurance do Seattle companies need?

Most Seattle businesses need general liability insurance at minimum, which covers third-party injuries and property damage. Depending on your industry, you may also need professional liability (E&O), workers' compensation, commercial auto, or cyber liability insurance. Seattle's competitive business environment makes having proper coverage essential for contracts and credibility.

How much does business insurance cost in Seattle?

Business insurance in Seattle starts at $19.99/month for basic general liability coverage. Average costs range from $50-$150/month for small businesses. Factors affecting price include your industry (tech companies typically pay less than contractors), revenue, number of employees, and coverage limits. Get a free quote to see exact pricing for your Seattle business.

Do I need business insurance to operate in Seattle?

While not all insurance is legally required, many Seattle businesses need specific coverage: Workers' compensation is mandatory if you have employees, contractors often need proof of insurance for city permits, and many clients and landlords require liability coverage. The City of Seattle may require additional bonds or insurance for certain business licenses.

What industries in Seattle need specialized insurance?

Seattle's key industries have specific insurance needs: Tech companies need cyber liability and E&O coverage. Construction and trades need contractor liability and workers' comp. Restaurants need food service liability. Healthcare providers need malpractice coverage. Coffee shops and retail need product liability. We specialize in all these Seattle industries.

How quickly can I get business insurance in Seattle?

Most Seattle businesses can get coverage the same day. Our online quote process takes just minutes, and once approved, your certificate of insurance is available immediately. This is especially helpful when you need proof of insurance for a Seattle contract, permit, or lease agreement.

Does SmartInsured cover all Seattle neighborhoods and areas?

Yes, we provide business insurance throughout Seattle and King County, including Downtown, Capitol Hill, Ballard, Fremont, South Lake Union, Georgetown, SODO, West Seattle, the University District, and all surrounding areas. Our coverage extends to the entire Puget Sound region.

Also Serving Nearby Areas

Get Your Seattle Business Insured Today

Join 100,000+ businesses in Seattle with proper coverage. Get a free quote in minutes from our Washington State insurance experts.