Business Insurance in Washington
Simple and easy insurance for your Washington business.
We cover many types of businesses and professionals in Washington
Owning a small business in Washington is an exciting venture, but it comes with its share of risks. Your hard work and dedication deserve protection, and that’s where we come in.
Accountants Professional Liability Insurance in Washington
Coverage highlights:
- Up to $600 per day to help cover earnings lost while attending a trial, hearing, or arbitration proceeding
- Protects innocent accountants from losing coverage when another accountant at the firm commits a wrongful act
- Coverage for wrongful acts made while serving as a director or officer of a not-for-profit organization
Engineers Professional Liability Insurance in Washington
Coverage highlights:
- Coverage limits up to $10 million1
- Professional services including engineer, surveyor, and architect with broader definitions available2
- Supplementary payout to offset claims expenses (e.g., court costs, lawyers, witnesses)
- Loss of earnings reimbursement
- Reputation management expenses in the event of a crisis (e.g., advertising, PR, media analysis)
- Legal counsel and defense of all claims
1Available to qualifying firms; subject to underwriting.
2Depending on plan, may be included or may be specifically named by endorsement if exposure is reported.
Lawyers Professional Liability Insurance in Washington
Coverage highlights:
- Limits up to $10 million for qualified insureds (additional amounts available through quota and excess policies)
- No hammer clause—we’ll never settle a claim without your consent
- Free extended reporting period in the event of death, disability, or retirement
Real Estate Errors & Omissions (E&O) Insurance in Washington
As a real estate professional in Washington, your clients rely on your expertise to navigate complex transactions. However, mistakes can happen, leading to potential legal actions. We offer an E&O policy that’s designed by and for real estate professionals—not something generic that’s been modified, pieced together, and missing what you need.
Coverage highlights:
- Agent-owned residential property transaction coverage option
- Subpoena assistance (no-cost legal assistance)
- Lockbox and open house coverage to full policy limits
- Mold coverage with limits beginning at $250,000
- Public relations advisory services
- Fair housing discrimination claims
- Environmental “Failure to Advise” coverage
Orthodontists Malpractice Insurance in Washington
Orthodontists in Washington provide essential dental care, but even the most skilled professionals can face malpractice claims. From misdiagnoses to treatment errors, malpractice insurance ensures you can continue to provide quality care without added stress. AAOIC provides a stable, affordable source of professional liability insurance for members of the AAO who practice in the United States. Plus, it’s the only malpractice insurance that’s endorsed by the AAO.
Coverage highlights:
- First-time buyers’ credit
- Policyholders become shareholders
- Premium credit (share in the profits)
- No hammer clause
- Additional discounts available
Garage Liability Insurance in Washington
Coverage highlights:
- Exclusive product through AmTrust North America
- Limited access to this exclusive product
- Longevity—specialized program since 2016
- In-house underwriting authority
- Policy form designed for risks specific to the repair/aftermarket industry
Business Owners Policy (BOP) Insurance in Washington
As a business owner, you pour your heart and soul into making your venture a success—protecting it with comprehensive insurance is crucial.
A Business Owners Policy (BOP) provides a solid foundation of coverage, combining essential protections into one convenient package.
Coverage highlights:
- General liability coverage—helps protect your business from claims of bodily injury or property damage caused by your operations, products, or premises
- Property coverage—safeguards your business property, including buildings, equipment, inventory, and furniture, against threats such as fire, theft, vandalism, and natural disasters
- Business interruption coverage—helps replace financial losses resulting from temporary closure or suspension of your operations due to covered threats
Cyber Liability Insurance in Washington
In today’s digital age, technology plays a vital role in the success of businesses. With increased connectivity and reliance on digital systems, the risk of cyber threats and data breaches is ever-present.
Cyber Liability Insurance offers comprehensive protection tailored to the unique challenges of the digital landscape. From network security breaches to cyber extortion and business interruption, this insurance coverage shields your business from the financial and reputational damages caused by cyber incidents.
Coverage highlights:
- Data breach response—covers the costs associated with responding to a data breach, including notifying affected individuals, providing credit monitoring services, and more
- Cyber extortion coverage—for expenses related to responding to cyber extortion threats, including ransomware attacks, and the costs of negotiating with and paying extortionists
- Cyber risk management—offers resources and guidance to help you mitigate cyber risks before an attack occurs, potentially saving you thousands
Employment Practices Liability Insurance in Washington
Fostering a positive work environment and ensuring fair employment practices are vital to the success of any organization. As a business owner, you invest significant time and effort in building a strong team and nurturing a culture of inclusivity. However, even with the best intentions, employment-related disputes can arise. Employment Practices Liability Insurance (EPLI) provides protection against malpractice suits and physical damages to your office and its contents, as well as claims of discrimination, sexual harassment, and wrongful termination.
Coverage highlights:
- Wrongful termination protection—shields your business against claims of wrongful termination, including allegations of discrimination, retaliation, or violation of employment contracts
- Harassment and discrimination coverage—for claims related to harassment or discrimination based on factors such as age, gender, race, religion, or disability
- Wage and hour dispute protection—for claims related to alleged violations of wage and hour laws, including allegations of unpaid wages, overtime, or improper classification of employees
Workers Compensation Insurance in Washington
At the heart of every thriving organization are the dedicated individuals who bring their skills and talents to the table. As an employer, it’s your responsibility to ensure their well-being and provide a safe work environment. Workers Compensation Insurance offers a safety net for both you and your employees, offering financial protection and support in the event of work-related injuries or illnesses.
Coverage highlights:
- Medical expenses coverage—for treatment and rehabilitation costs for employees injured on the job
- Lost wages and disability benefits—provision of compensation to employees unable to work due to work-related injuries or illnesses, including disability benefits
- Death benefits—financial support for the dependents of employees who suffer fatal work-related injuries or illnesses
Auto Insurance in Washington
You deserve car insurance that protects you whether you’re on a cross-country road trip or running errands in town. That’s why we don’t offer just one auto insurance policy, we shop the market to ensure you get the coverage you need at a price you can afford.
Coverage highlights:
- Vehicle replacement coverage—reimbursement for the cost of replacing your vehicle if it is involved in an accident
- Original manufacturer parts—coverage for factory parts from your vehicle’s original manufacturer, ensuring high-quality repairs
- Gap Coverage—protection for the “gap” between what you owe on your vehicle and its actual value if it is declared a total loss due to an accident or theft
- Rental vehicle coverage
- 24-Hour roadside assistance
Home Insurance in Washington
Your home is not just a physical structure; it’s the cornerstone of your life, filled with precious memories and dreams for the future. Homeowners insurance is more than just a policy—it’s a shield for your way of life. With something as significant as your home, it’s essential to have personalized protection that truly understands your needs. Our dedicated team of experts is here to guide you in finding the ideal coverage at the right price, ensuring that your home and cherished memories are shielded with care.
Coverage highlights:
- Property protection—for your home, permanent structures, and personal property
- Water and sewage backup coverage—expenses for cleanup and repairs due to water and sewage backup
- Liability coverage—for bodily injury and property damage to others that you are legally responsible for
- Jewelry coverage—for lost, stolen, or damaged jewelry
- Additional living expenses—reimbursement for the cost of staying in a hotel while your home is being repaired
- Extended replacement cost—coverage for rebuilding your house, even if it exceeds the original value
Renters Insurance in Washington
A home is more than just four walls—it’s a reflection of your personality and a haven for your cherished belongings. Home is where the renters insurance is. Our dedicated team is committed to finding the perfect policy that aligns with your specific needs, so you can enjoy the freedom and flexibility of renting without worrying about unforeseen events. With monthly costs as low as your morning latte, this coverage can help ensure you and your belongings are protected. And with our help, you’ll save yourself the hassle of comparing insurance quotes. We’ll help you find the coverage you need for a price you can afford.
Coverage highlights:
- Personal belongings protection—for lost, stolen, or vandalized personal belongings, such as jewelry and electronics
- Property damage coverage—for expenses related to cleanup and repairs due to water, smoke, or fire damage
- Liability coverage—for bodily injury and property damage sustained by others for whom you are legally responsible
- Additional living expenses coverage—reimbursement for additional living expenses, including hotel costs and meals, while your rental property is being repaired
Umbrella Insurance in Washington
Life is full of surprises, so it’s always nice to have an extra layer of protection just in case. Securing umbrella insurance is like having a friendly guardian by your side, ready to shield you from the unexpected. When you’re juggling the demands of work, family, and everything in between, the last thing you need is an unforeseen event to disrupt your harmony. That’s where we step in, offering you a safety net that extends beyond the limits of your other personal liability policies. From accidents to liability claims that exceed your coverage—our umbrella insurance has you covered no matter what life throws your way.
Coverage highlights:
- Personal liability—additional coverage for costs such as medical and funeral expenses incurred by others (due to an auto accident or a mishap at your home, for instance)
- Legal defense coverage—for lawsuits involving slander, libel, defamation of character, and other personal attacks
- Landlord liability—coverage for injuries or property damage suffered by a tenant if you’re a landlord
Other Insurance in Washington
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