Every business faces risk. Whether you run a restaurant, a construction company, a medical practice, or a retail store, the right business insurance is what stands between a single claim and financial catastrophe. Business Insurance Brokers is an independent commercial insurance agency licensed in ten states — we compare multiple carriers to find the right coverage at a competitive price.

Key Coverages

Why Choose an Independent Broker?

Business Insurance Brokers is an independent commercial agency — we are not tied to any single carrier. When you get a quote from us, we shop your account across multiple admitted markets and present the best available option. If a carrier raises your rate at renewal, we explore competitive alternatives. That is the independent broker advantage.

Commercial insurance is a broad term that covers the full range of policies a business needs to protect its assets, operations, employees, and income. Unlike personal insurance, commercial policies are underwritten based on your specific industry, revenue, payroll, and risk profile. Business Insurance Brokers works with multiple admitted carriers to build the right commercial insurance program for your business — not a one-size-fits-all package.

Key Coverages

Why Choose an Independent Broker?

Business Insurance Brokers is an independent commercial agency — we are not tied to any single carrier. When you get a quote from us, we shop your account across multiple admitted markets and present the best available option. If a carrier raises your rate at renewal, we explore competitive alternatives. That is the independent broker advantage.

Small businesses account for the majority of businesses we insure — and they face many of the same risks as large companies, often with fewer resources to absorb a major loss. Small business insurance typically starts with a Business Owner's Policy (BOP), which bundles property and liability into a single affordable policy. From there, we layer in workers comp, commercial auto, and any specialty coverage your industry requires.

Key Coverages

Why Choose an Independent Broker?

Business Insurance Brokers is an independent commercial agency — we are not tied to any single carrier. When you get a quote from us, we shop your account across multiple admitted markets and present the best available option. If a carrier raises your rate at renewal, we explore competitive alternatives. That is the independent broker advantage.

General liability insurance (also called Commercial General Liability or CGL) is the foundation of almost every business insurance program. It covers third-party bodily injury, property damage, and personal/advertising injury claims made against your business. If a customer slips and falls in your store, or a contractor accidentally damages a client's property, general liability is what responds. Most landlords, clients, and licensing boards require proof of GL coverage before you can operate.

Key Coverages

Why Choose an Independent Broker?

Business Insurance Brokers is an independent commercial agency — we are not tied to any single carrier. When you get a quote from us, we shop your account across multiple admitted markets and present the best available option. If a carrier raises your rate at renewal, we explore competitive alternatives. That is the independent broker advantage.

Workers compensation insurance covers medical expenses and lost wages for employees injured on the job — and protects employers from lawsuits arising from workplace injuries. Requirements vary significantly by state. Washington is a monopolistic state (L&I only). Texas does not require WC for most employers. Each of the ten states we serve has its own rules, rates, and classification systems. As an independent broker, we navigate all of it for you.

Key Coverages

Workers Compensation by State

Why Choose an Independent Broker?

Business Insurance Brokers is an independent commercial agency — we are not tied to any single carrier. When you get a quote from us, we shop your account across multiple admitted markets and present the best available option. If a carrier raises your rate at renewal, we explore competitive alternatives. That is the independent broker advantage.

Professional liability insurance — also called Errors & Omissions (E&O) or malpractice insurance — protects professionals and service businesses from claims that their work caused a financial loss, injury, or harm to a client. General liability does not cover professional mistakes. If you give advice, provide a service, or use specialized expertise for a fee, you need professional liability coverage.

Key Coverages

Industries We Place Professional Liability For

• Medical and Dental Malpractice
• Legal Malpractice
• Technology E&O
• Real Estate E&O
• Architects & Engineers E&O
• Accountants & CPAs
• Management Consultants
• Insurance Agents E&O

Why Choose an Independent Broker?

Business Insurance Brokers is an independent commercial agency — we are not tied to any single carrier. When you get a quote from us, we shop your account across multiple admitted markets and present the best available option. If a carrier raises your rate at renewal, we explore competitive alternatives. That is the independent broker advantage.

A Business Owner's Policy (BOP) is the most common starting point for small and mid-size business insurance. It bundles two essential coverages — Commercial General Liability and Commercial Property — into a single policy at a lower combined premium than purchasing each separately. Many carriers also allow you to add Business Interruption, Equipment Breakdown, and Cyber Liability to a BOP endorsement.

Key Coverages

Why Choose an Independent Broker?

Business Insurance Brokers is an independent commercial agency — we are not tied to any single carrier. When you get a quote from us, we shop your account across multiple admitted markets and present the best available option. If a carrier raises your rate at renewal, we explore competitive alternatives. That is the independent broker advantage.

Commercial property insurance protects the physical assets of your business — the building (if you own it), your contents, inventory, equipment, and furniture — from covered perils including fire, theft, vandalism, wind, and water damage. Property rates depend on the building's construction type, age, location, protection class, and sprinkler status. As an independent broker, we compare property rates across multiple carriers to find the right balance of coverage and premium.

Key Coverages

Why Choose an Independent Broker?

Business Insurance Brokers is an independent commercial agency — we are not tied to any single carrier. When you get a quote from us, we shop your account across multiple admitted markets and present the best available option. If a carrier raises your rate at renewal, we explore competitive alternatives. That is the independent broker advantage.

Commercial auto insurance covers vehicles owned or used by a business for work purposes — from a single contractor's pickup truck to a restaurant delivery fleet to a long-haul trucking operation. Personal auto policies exclude business use. If an employee is in an accident while driving for work, or if your company vehicle is involved in a collision, commercial auto is what responds.

Key Coverages

Why Choose an Independent Broker?

Business Insurance Brokers is an independent commercial agency — we are not tied to any single carrier. When you get a quote from us, we shop your account across multiple admitted markets and present the best available option. If a carrier raises your rate at renewal, we explore competitive alternatives. That is the independent broker advantage.

Cyber liability insurance covers financial losses your business suffers — and causes — due to a data breach, ransomware attack, or other cyber incident. A single breach can trigger notification costs, credit monitoring expenses, regulatory fines, and third-party lawsuits simultaneously. Cyber is no longer optional for businesses that hold customer data, process payments, or rely on technology for operations.

Key Coverages

Why Choose an Independent Broker?

Business Insurance Brokers is an independent commercial agency — we are not tied to any single carrier. When you get a quote from us, we shop your account across multiple admitted markets and present the best available option. If a carrier raises your rate at renewal, we explore competitive alternatives. That is the independent broker advantage.

Getting a business insurance quote from a captive agent means seeing one carrier's price. Getting a quote from Business Insurance Brokers means we shop your account across multiple admitted carriers and come back with the best available option for your business. No obligation. No one-size-fits-all packages. Just the right coverage at a competitive price.

Why Choose an Independent Broker?

Business Insurance Brokers is an independent commercial agency — we are not tied to any single carrier. When you get a quote from us, we shop your account across multiple admitted markets and present the best available option. If a carrier raises your rate at renewal, we explore competitive alternatives. That is the independent broker advantage.

There is no single answer to how much business insurance costs — a sole-proprietor consultant pays very different premiums than a 50-employee restaurant. That said, there are patterns. Here is what actually drives your commercial insurance premium, and what you can realistically expect to pay for the most common coverage types.

Typical Business Insurance Cost Ranges (2026)

These are ballpark ranges. Your actual premium depends on the factors below.

What Determines Your Business Insurance Cost

• Industry and SIC classification
• Annual revenue and payroll
• Number of employees
• Location and state regulations
• Claims history (loss runs)
• Years in business
• Coverage limits and deductibles selected
• Building construction and age (for property)

Why Choose an Independent Broker?

Business Insurance Brokers is an independent commercial agency — we are not tied to any single carrier. When you get a quote from us, we shop your account across multiple admitted markets and present the best available option. If a carrier raises your rate at renewal, we explore competitive alternatives. That is the independent broker advantage.

When people search for business insurance near me, they want a real broker who understands their local market — not a call center 2,000 miles away. Business Insurance Brokers is an independent commercial agency licensed in ten states. We serve businesses throughout Washington, Oregon, Idaho, Nevada, Arkansas, South Dakota, Pennsylvania, Texas, and Indiana — and we know the insurance requirements and carrier availabilitys specific to each state.

States We Serve

• Washington (WA)
• Oregon (OR)
• Idaho (ID)
• Nevada (NV)
• Arkansas (AR)
• South Dakota (SD)
• Pennsylvania (PA)
• Texas (TX)
• Indiana (IN)

Why Choose an Independent Broker?

Business Insurance Brokers is an independent commercial agency — we are not tied to any single carrier. When you get a quote from us, we shop your account across multiple admitted markets and present the best available option. If a carrier raises your rate at renewal, we explore competitive alternatives. That is the independent broker advantage.

The best way to find affordable business insurance is not to buy the cheapest policy — it is to work with an independent broker who shops your account across multiple carriers and finds the right coverage at a competitive price. Captive agents can only offer one carrier's rates. Independent brokers like Business Insurance Brokers compare the market and negotiate on your behalf.

How to Find Affordable Coverage

• Bundle coverages into a BOP where possible — it is almost always cheaper than buying property and GL separately
• Carry higher deductibles if you can absorb smaller losses — it reduces your premium significantly
• Maintain a clean claims history — insurers reward low-loss operations with better rates
• Pay annually instead of monthly — most carriers charge a service fee for installment payments
• Work with an independent broker who can explore competitive market options for your coverage

Why Choose an Independent Broker?

Business Insurance Brokers is an independent commercial agency — we are not tied to any single carrier. When you get a quote from us, we shop your account across multiple admitted markets and present the best available option. If a carrier raises your rate at renewal, we explore competitive alternatives. That is the independent broker advantage.

Restaurant insurance is a specialized category — the combination of liquor liability, food-borne illness exposure, kitchen fire risk, and high employee turnover makes restaurants one of the more complex commercial insurance classes. We work with restaurant-specialized carriers and compare rates based on your cooking equipment, alcohol sales percentage, seating capacity, and claims history.

Key Coverages

Industry Types We Cover

Why Choose an Independent Broker?

Business Insurance Brokers is an independent commercial agency — we are not tied to any single carrier. When you get a quote from us, we shop your account across multiple admitted markets and present the best available option. If a carrier raises your rate at renewal, we explore competitive alternatives. That is the independent broker advantage.

Franchise insurance must satisfy two masters: your franchisor's insurance requirements (minimum limits, additional insured language, etc.) and your own need for adequate business protection. Franchise agreements often specify minimum coverage limits, required endorsements, and the franchisor as additional insured. Business Insurance Brokers understands these requirements and builds programs that meet them — without over-insuring.

Key Coverages

Industry Types We Cover

Franchise Brands We Commonly Insure

Why Choose an Independent Broker?

Business Insurance Brokers is an independent commercial agency — we are not tied to any single carrier. When you get a quote from us, we shop your account across multiple admitted markets and present the best available option. If a carrier raises your rate at renewal, we explore competitive alternatives. That is the independent broker advantage.

Hotel and hospitality insurance covers a wide range of exposures — guest injuries, pool liability, restaurant operations, cyber breach of guest data, and valet parking. Hotels and motels are rated based on room count, amenities, franchise affiliation, and loss history. As an independent broker, we work with hospitality-specialized carriers and complete the detailed supplemental questionnaires underwriters require.

Key Coverages

Why Choose an Independent Broker?

Business Insurance Brokers is an independent commercial agency — we are not tied to any single carrier. When you get a quote from us, we shop your account across multiple admitted markets and present the best available option. If a carrier raises your rate at renewal, we explore competitive alternatives. That is the independent broker advantage.

Convenience store insurance involves several exposures that general-purpose carriers often mis-rate or exclude: alcohol sales liability, tobacco product liability, propane fill and exchange, carwash operations, and — for gas stations — underground storage tank (UST) pollution liability. We work with carriers that understand the c-store and petroleum marketing space and rate these exposures correctly.

Key Coverages

Why Choose an Independent Broker?

Business Insurance Brokers is an independent commercial agency — we are not tied to any single carrier. When you get a quote from us, we shop your account across multiple admitted markets and present the best available option. If a carrier raises your rate at renewal, we explore competitive alternatives. That is the independent broker advantage.

Contractors insurance is one of the most common commercial insurance categories — and one of the most heavily underwritten. Rates depend on your specific trade, payroll, subcontractor practices, and claims history. Many standard carriers are selective about the contractor classes they write. Business Insurance Brokers works with markets that specialize in construction risks across all trades.

Key Coverages

Industry Types We Cover

Why Choose an Independent Broker?

Business Insurance Brokers is an independent commercial agency — we are not tied to any single carrier. When you get a quote from us, we shop your account across multiple admitted markets and present the best available option. If a carrier raises your rate at renewal, we explore competitive alternatives. That is the independent broker advantage.

A business insurance broker is not the same as an insurance agent. An agent typically represents one or a few carriers and can only offer their products. A broker represents the buyer — your business — and shops the market on your behalf. Business Insurance Brokers is an independent commercial brokerage licensed in ten states. We compare rates and coverage across multiple admitted carriers at every quote and every renewal.

The Independent Broker Advantage

• We represent you, not any single insurance carrier
• We compare rates across multiple carriers — not just one
• When a carrier raises your rate, we explore competitive alternatives
• We know which carriers have consistent capacity for your industry
• We understand state-specific requirements across all 10 states we serve
• No sales pressure — our goal is the right fit, not the biggest commission

Why Choose an Independent Broker?

Business Insurance Brokers is an independent commercial agency — we are not tied to any single carrier. When you get a quote from us, we shop your account across multiple admitted markets and present the best available option. If a carrier raises your rate at renewal, we explore competitive alternatives. That is the independent broker advantage.

Choosing the right commercial insurance broker is as important as choosing the right coverage. Business Insurance Brokers brings 18+ years of commercial lines experience and is licensed in ten states. We specialize in businesses that standard agents often struggle with — restaurants, gas stations, contractors, hotels, and specialty retail — because we know the markets, the underwriting capacity, and the questions that need to be answered to get the best rate.

Why Choose an Independent Broker?

Business Insurance Brokers is an independent commercial agency — we are not tied to any single carrier. When you get a quote from us, we shop your account across multiple admitted markets and present the best available option. If a carrier raises your rate at renewal, we explore competitive alternatives. That is the independent broker advantage.

Forming an LLC (Limited Liability Company) protects your personal assets from business debts and lawsuits — but it does not protect your business assets from claims. A customer who slips in your LLC's store can still sue the LLC. A fire can still destroy your LLC's equipment. Business insurance for an LLC provides the layer of financial protection that the legal structure alone cannot.

Business Insurance an LLC Typically Needs

• General Liability — covers third-party injury and property damage claims against the LLC
• Commercial Property — protects the LLC's physical assets
• Workers Compensation — required by most states if the LLC has employees
• Professional Liability — if the LLC provides professional services or advice
• Commercial Auto — if LLC-owned or employee vehicles are used for business
• Cyber Liability — if the LLC handles customer data or payment information

Why Choose an Independent Broker?

Business Insurance Brokers is an independent commercial agency — we are not tied to any single carrier. When you get a quote from us, we shop your account across multiple admitted markets and present the best available option. If a carrier raises your rate at renewal, we explore competitive alternatives. That is the independent broker advantage.

If you own or are opening a Dairy Queen franchise, your franchise agreement specifies minimum insurance requirements — coverage limits, required endorsements, and the franchisor as additional insured. Failing to meet these requirements can put your franchise agreement at risk. Business Insurance Brokers understands franchise insurance requirements and builds programs that satisfy the franchisor while protecting your investment.

Typical Dairy Queen Franchise Insurance Requirements

While specific requirements vary by franchise agreement and are updated periodically, most Dairy Queen franchise agreements require a combination of the following:

The Independent Broker Advantage for Franchise Owners

A captive agent tied to one carrier can only offer that carrier's franchise program — if your franchise type isn't the right fit for their program, you're out of options. As an independent broker, we compare multiple carriers that write Dairy Queen franchise accounts and find the combination of coverage and price that works for your location.

We Also Help With

• Certificate of Insurance showing franchisor as Additional Insured
• Meeting minimum limit requirements in your franchise disclosure document (FDD)
• Multi-unit franchise programs if you own more than one location
• Workers comp in all 10 states we're licensed in
• Renewal shopping — we don't just set and forget your policy

If you own or are opening a McDonald's franchise, your franchise agreement specifies minimum insurance requirements — coverage limits, required endorsements, and the franchisor as additional insured. Failing to meet these requirements can put your franchise agreement at risk. Business Insurance Brokers understands franchise insurance requirements and builds programs that satisfy the franchisor while protecting your investment.

Typical McDonald's Franchise Insurance Requirements

While specific requirements vary by f