Independent commercial broker — 18+ years
Independent commercial insurance broker for U.S. businesses in licensed states
Business Insurance Brokers is an independent, commercial-only agency. We shop multiple A-rated carriers and work for the client — not for one insurer. Licensed in Washington, Oregon, Idaho, Nevada, Arkansas, South Dakota, Pennsylvania, Texas, Indiana, and California.
This site is for U.S. businesses operating in our licensed states only.
Featured commercial coverage
Fifteen commercial coverage lines, written as coverage — not as someone else’s product name. Start here, or see the full coverage index.
General Liability
Third-party injury, property damage, and products/completed-operations protection for shops, offices, and jobsites.
Read the coverageBusiness Owner's Policy
A packaged policy that pairs general liability with commercial property and business income for eligible classes.
Read the coverageWorkers Compensation
Private WC in competitive states, plus stop-gap and multi-state design. Washington employers stay with L&I for WA payroll.
Read the coverageCommercial Auto
Owned, hired, and non-owned vehicles — work vans, box trucks, service bodies, trailers, and company cars.
Read the coverageBuilders Risk
Course-of-construction coverage for new buildings and renovations — materials, the structure, and temporary works.
Read the coverageSurety Bonds
License and permit bonds, contract bonds, and business service bonds for trades and service companies.
Read the coverageIndustries we know how to place
Thirty-five-plus commercial specialties, from restaurants and general contractors to hotels, manufacturing, and fuel retailers. See every class on the industries hub.
Restaurant and Food Service
Kitchens, dining rooms, delivery, and liquor — packaged for restaurants that actually cook and serve.
Industry coverageCommercial General Contractor
GL, builders risk, auto, surety, and multi-state WC/stop-gap for commercial GCs — not a handyman policy.
Industry coverageHotel
Guest premises, property, liquor, garagekeepers, and the income story of a limited-service or full-service hotel.
Industry coverageProperty Management
Managers of commercial office, retail, and industrial buildings — GL, E&O, EPL, and the owner certificates you issue every week.
Industry coverageAuto Repair and Garage
Garagekeepers, shop liability, tools, and the care of customers' vehicles — written as a garage, not a generic store.
Industry coverageManufacturing
Products liability, property, equipment breakdown, and the payroll story of a plant that actually makes things.
Industry coverageWholesale and Distribution
Warehouse property, fleet, products liability, and cargo for distributors who move other people’s shelves.
Industry coverageGym and Fitness Studio
Member premises, training staff, equipment, and the waiver-and-assumption story of a commercial gym.
Industry coverageBeauty Salon
Styling, color, skin, and booth-renter certificates — salon professional liability plus a real package on the suite.
Industry coverageGas Station
Fuel, c-store, car wash, and the tank-and-pollution file that a generic store policy will not carry.
Industry coverageLicensed states
Ten licensed states, including a full California hub (CA Lic #0M51388). City pages cover incorporated cities that can rank — not a ZIP-code doorway set.
Washington
Commercial insurance programs for businesses based in or working in Washington.
State pageOregon
Commercial insurance programs for businesses based in or working in Oregon.
State pageIdaho
Commercial insurance programs for businesses based in or working in Idaho.
State pageNevada
Commercial insurance programs for businesses based in or working in Nevada.
State pageArkansas
Commercial insurance programs for businesses based in or working in Arkansas.
State pageSouth Dakota
Commercial insurance programs for businesses based in or working in South Dakota.
State pagePennsylvania
Commercial insurance programs for businesses based in or working in Pennsylvania.
State pageTexas
Commercial insurance programs for businesses based in or working in Texas.
State pageIndiana
Commercial insurance programs for businesses based in or working in Indiana.
State pageCalifornia
Commercial insurance programs for businesses based in or working in California.
State page