Business Insurance

Looking for Business Insurance in Washington State?

Choosing the right business or commercial insurance plan for your business can be very confusing, so we have developed many different options and programs to meet the needs of our commercial insurance clients in Puyallup, Ferndale, Monroe and throughout the state of Washington.

At PNW Insurance Group, we can design a specialized package according to your property, liability, and casualty needs. We are also proactive in identifying any factors that may increase your premiums or change your risk, and provide consulting and risk management options to protect your business.

Whether you are a retailer, wholesaler, contractor, or electrician, we can tailor a package to meet your specific needs and requirements. Get an online business insurance quote or give us a call today

What does business insurance cover?

Business insurance can help pay for the cost to repair or replace property, legal fees, lost income, and other covered losses. The term “business insurance” is actually a blanket term that can refer to one or multiple coverages included in a business insurance policy. Some of the most popular types of business insurance policies include a commercial package policy and a business owners policy (BOP).

Commercial Package policy vs. Business Owners Policy (BOP)

What’s the difference between a commercial package policy and a business owners policy? Well, think of a Commercial Package Policy as a stereo system where each component is purchased individually. You would buy the receiver, speakers, remote, and every other part and accessory separate from each other.

In contrast, a BOP policy is much like a stereo-in-a-box. All of the insurance pieces you need come pre-packaged.

Which business coverages do I need?

While every business is unique, almost every business owner is going to want to make sure they at least have General Liability coverage. This popular coverage serves as the basis for most business policies and provides protection against unexpected events that include third party injuries or property damage.

Additional insurance products and coverages your business may need include business property, professional liability insurance (for errors and omissions), business umbrella policies, builders risk insurance, equipment floater insurance, employment practices liability insurance (EPLI), cyber liability, pollution liability, liquor liability, inland marine coverage and more!

If you aren’t sure which coverages your business needs, contact us and we’ll help you find the best business insurance coverages based on your specific business model and needs today!

Is business insurance required?

Business insurance requirements are different for each type of business and can also vary widely from state to state. If your business has employees or business-owned vehicles, your business insurance policy will need to include Workers Compensation as well as Commercial Auto Insurance. In Washington state, Workers Compensation is required for businesses with one or more employees. Washington state law also requires business-owned vehicles to have liability limits of 25/50/10 at a minimum. This means $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident, and $10,000 of property damage liability per accident.

Contact us to learn more about additional coverages that may be required based on your business model.

Does my business need insurance?

Business insurance is specifically designed to provide protection against a serious financial loss. If an employee is injured or property damaged and you don’t have the proper coverage limits, you could be on the hook for medical expenses and legal fees you may never be able to afford. Even if you own a home-based business, general liability insurance is a coverage you’ll want to make sure you have.

Whether you own a small business or an established business in Washington state, our team of experts can provide you with a wide array of insurance options from an insurance company you can trust.

Not sure if your business would be able to obtain insurance coverage? Here are just a few examples of businesses we work with. If you don’t see yours on this list, give us a call or send us an email to make sure. We want to help make the process of properly taking care of and insuring your business easier.

  • Churches
  • Restaurants
  • Contractors
  • Professional Offices
  • & more!

How to Get a Business Insurance Quote

To get started on your business insurance quote today simply call our office directly or complete the fields below!

No two businesses are the same which is why our agency of qualified Business Insurance professionals would be happy to sift through your various options. The last thing you want is some cookie-cutter policy that’s riddled with exclusions and limitations.

We understand you may be concerned about the specifics of your business and the insurance policy it is carrying. So while we are based in Puyallup, we are happy to share that we also serve clients all across Washington state in cities like Ferndale, Monroe, Tacoma and yes even Spokane! Get your online quote from one of our independent business insurance agents today!


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