Washington Commercial Insurance Broker

Coverage Overview

What's Typically Covered

• Commercial General Liability (GL) for WA businesses
• Commercial Property — building, contents, business income
• Workers Compensation — required for most WA employers
• Commercial Auto for business vehicles and fleets
• Business Owner's Policy (BOP) — GL + property bundled
• Professional Liability / E&O
• Umbrella / Excess Liability
• Surety Bonds — contractor and license bonds

Why Use an Independent Broker in Washington?

Washington businesses have access to dozens of insurance carriers — but sorting through them alone is time-consuming and easy to get wrong. As an independent commercial insurance broker licensed in Washington, Business Insurance Brokers LLC shops your account across multiple admitted carriers to find the best combination of coverage and premium for your business.

Unlike a captive agent who represents one company, we represent you. That means we can move your coverage to a better carrier at renewal if your current one raises rates — without you having to start the shopping process over.

Washington State Insurance Considerations

Washington is a monopolistic workers compensation state, meaning most employers must obtain WC coverage through the state's Labor & Industries fund rather than private carriers. However, stop-gap employers liability coverage is available through private markets to fill the gap in your umbrella policy — we handle this.

Washington contractors must be registered with the Department of Labor & Industries and carry both a surety bond and general liability insurance. We handle both and send certificates directly to L&I on your behalf.

Washington businesses in Seattle, Spokane, Tacoma, Bellevue, Everett, and across the state are welcome — we serve all of Washington.

Industries We Serve in Washington

We write commercial insurance for a broad range of Washington businesses: contractors and construction trades, restaurants and food service, retail and professional services, auto repair and garage operations, self-storage, trucking and commercial fleets, medical and dental offices, wholesale and distribution, and more.