Business insurance in Washington state
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Get business insurance in Washington state
Are you familiar with biBerk? We’re trusted by many companies for business insurance in Washington state. We offer flexible policies to protect you from the many types of risk Washington businesses face. Let’s dive into what’s available to business stakeholders like you.
Washington General Liability insurance
Also known as commercial liability insurance, this policy is an important type of business insurance. General liability insurance in Washington state covers damages and legal costs associated with injury claims to customers and other people who don’t work for you, damage your business caused to other people's property, and medical costs associated with these incidents. For example, it can cover visitor slip-and-fall accidents at your business location. It also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your policy, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.
General Liabilitychevron_rightWashington Business Owners Policy (BOP)
You might hear this called property & liability insurance, but BOP is shorter! This policy combines general liability insurance (for things like non-employee injuries and customer property damage) with coverage for your company’s property. You'll get protection for the building you own or space you lease and any property needed to run your business. For instance, if a severe storm damages the roof of your building, you may be covered. You also get coverage for business interruption. This can replace lost income, as well as pay other costs associated with getting your business back up and running after suffering property damage (using a temporary location is a good example). In addition, you can tailor your BOP with add-ons including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.
Business Owners Policychevron_rightWashington Professional Liability insurance
Depending on your industry, the term errors and omissions (E&O) insurance might be more common. This policy can protect you from the cost of damages and legal fees if someone claims your professional service hurt their business financially. If you’re an accountant, for example, and you make a calculation error that results in your client losing money, your business may be covered if they sue you. Coverage includes both mistakes by your business (errors) and the failure to perform a service (omissions). You really should have professional liability insurance if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage.
Professional Liabilitychevron_rightWashington Cyber insurance
You can buy this type of business insurance in Washington as an add-on to a BOP, general liability, or professional liability policy. It helps cover costs related to system hacks or data security breaches in which sensitive information like credit card data has been stolen and fraud has occurred or might occur.
Cyber Insurancechevron_rightWashington Umbrella insurance
If you're shopping for business insurance in Washington, you’ve probably learned that every insurance policy you purchase has a maximum value it will cover in the event of an incident. Umbrella insurance adds another layer of protection, as it can cover costs that exceed the limit of another liability policy, up to its own limit. Without it, you might be responsible for anything over your policy limit. Business liability suits can easily be more than the actual value of many small businesses, so we highly recommend an umbrella policy to protect your company.
Umbrella Insurancechevron_rightWe cover all kinds of professionals and businesses in Washington, including:
- Advertising services
- Attorneys and law firms
- Auto repair shops
- Aviation companies
- Bakeries
- Barber shops and salons
- Bookkeepers and auditors
- Building services companies
- Business consultants
- Drain cleaning and plumbing
- Electrical contractors
- Engineers and architects
- Fruit and vegetable markets
- Garbage removal
- Household appliance repair
- HVAC companies
- Insurance companies
- Interior and exterior painters
- Lawn care services
- Messenger services
- Patrol and guard services
- Photographers and videographers
- Physicians and osteopaths
- PR firms
- Programmers
- Real estate companies
- Residential cleaning services
- Restaurants
- Securities and commodities
- Software development companies
- Stores
- Transportation and trucking
- Woodworking and carpentry
Why biBerk for business insurance in Washington state?
We’re the experts when it comes to small business.
Save time.
Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.
Save money.
We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than policies with other insurance companies.
Experienced.
We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $52.2 billion in paid claims in 2023.
Why is biBerk better for Washington business insurance?
Whether it’s general liability insurance in Washington state or other small business insurance, we’re often less expensive and easier to do business with than other insurance companies. That’s better for you in many ways. We’re also part of the Berkshire Hathaway Insurance Group, the nation’s largest insurance company in terms of assets. You may know Berkshire Hathaway as the company started by Warren Buffett. Mr. Buffett began as a small business owner, and he’s dedicated to providing small businesses with services and value that can help them grow.
Your statewide source for Washington business insurance
Since we’re an online insurance provider, you can connect with us easily, wherever you are, to get:
- Business insurance in Seattle, WA
- Business insurance in Vancouver, WA
- Business insurance in Spokane, WA
- Business insurance in Tacoma, WA
- Business insurance in Everett, WA
- Business insurance in Renton, WA
- Business insurance in Bellevue, WA
- Business insurance in Federal Way, WA
- Or insurance from any Washington location!
Who looks to biBerk for insurance guidance in Washington state?
We work with all types of business owners in Washington state. Many of our customers are new business owners. They contact us to learn about essential insurance policies and affordable options for purchasing coverage. We also provide guidance on risk management so they’ve better positioned to avoid claims. They appreciate our focus on transparency and communication in the claims process. They also like learning that many companies similar to theirs are biBerk customers.
Tailored coverage for growing businesses
Experienced entrepreneurs look to biBerk for comprehensive coverage solutions as their companies grow and expand. Often, they have specialized insurance needs, and we can tailor policies to meet their requirements. They trust us as a reliable source of information on business trends and insurance strategies, including the helpful material in our Resource Center.
Protecting home-based businesses
Do you own a home-based business? That sector of the economy continues to skyrocket! We’re here for home-based businesses, helping owners understand all the available coverages so they can protect their business assets and operations and stay in compliance with state regulations. Owners frequently tell us it’s reassuring to know they’re backed by a respected insurer like biBerk that’s part of the Berkshire Hathaway Insurance Group.
What coverage is required for Washington small businesses
Workers' Compensation insurance
In Washington, every business with employees is required to carry workers’ compensation insurance, which must be purchased through the Washington State Department of Labor & Industries. Even if you only have one employee, you’re still required to carry workers’ comp. You can receive substantial fines and criminal penalties if you’re obligated to have coverage but don’t have a workers’ comp policy.
Other policy considerations
Many contracts require general liability insurance in Washington state, and professional liability insurance is often required, as well. Even if your customers, clients, or partners don’t require you to carry specific policies, it’s recommended that you carry policies to cover any part of your business that could be at risk. Financially protecting your Washington small business is one of the smartest decisions you can make.
What does business liability insurance in Washington state cost?
The cost of commercial and business insurance in Washington depends on multiple factors, including industry, number of employees, and the amounts of payroll and revenue. Additionally, your claims history will influence your policy cost. Companies with fewer claims typically pay lower premiums. We’re happy to provide instant online business insurance quotes.
Commercial insurance in Washington state: frequently asked questions
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What are the requirements for business insurance in Seattle, Spokane, and other cities in Washington state?
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Small businesses in Washington state generally need general liability insurance and workers' compensation insurance (if they have employees). They might also need commercial property, commercial auto, and professional liability insurance depending on their specific operations.
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How much is commercial insurance in Washington state?
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Costs vary widely based on business size, type, coverage needs, and risk factors. Premiums can range from a few hundred to several thousand dollars annually.
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Are there any industry-specific insurance requirements in Washington state?
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Yes, industries like construction, transportation, and professional services often have specific insurance requirements based on their risks. State officials can provide details.
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How do I determine the right coverage amounts for my small business in Washington state?
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Assess your business risks, assets, and legal requirements. Then, talk with a friendly licensed insurance expert at biBerk. They can guide you on policies and coverage amounts.
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What is the typical process for filing an insurance claim in Washington state?
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The process for filing an insurance claim in Washington state involves promptly notifying biBerk. You can do that on our website. Our system walks you through getting the process started. Actions like completing claim forms accurately, submitting necessary documentation (such as photos or receipts), cooperating with any investigations, and responding to communications in a timely manner help expedite claims processing.
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How quickly can I expect my insurance claims to be processed and resolved in Washington state?
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Claim processing times vary, but once you report a claim, you can be confident our team is working to address it efficiently.
Washington small business insurance in three simple steps
Get a quote.
Fill out a form online or give us a call to tell us about your business. You’ll have a quote in as little as five minutes.
Buy a policy.
Complete your purchase and make payments online or over the phone. You can pay your premium all at once or in monthly installments.
Get a certificate.
Download an instant Certificate of Liability Insurance immediately after purchasing a policy.
Get a quote today.
Trust biBerk for business insurance in Washington and save up to 20%.