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Small Business Insurance in Washington

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Recommended insurance policies for small businesses in Washington

General liability insurance

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General liability covers common risks for small businesses in Washington, including customer property damage and injuries. Commercial leases often require this policy.

  • Customer injuries at your company
  • Damaged customer property
  • Copyright and defamation lawsuits

Errors and omissions insurance

Errors and omissions insurance icon

This policy is also called professional liability insurance. It protects professionals against lawsuits over mistakes, missed deadlines, and oversights.

  • Work errors and oversights
  • Professional negligence lawsuits
  • Late or incomplete work

Cyber liability insurance

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This policy protects Washington small businesses against data breaches and cyberattacks that affect your business or a client.

  • Data breach lawsuits
  • Client notification expenses
  • Fraud monitoring costs

Business owner’s policy

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This policy bundles property insurance and general liability insurance. It's often the most cost-effective type of commercial insurance for a Washington small business.

  • Customer injuries
  • Damaged customer property
  • Damaged business property

Workers’ compensation

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Washington requires all small businesses with at least one employee to purchase workers’ compensation insurance through the state fund.

  • Employee medical expenses
  • Wages lost while unable to work
  • Physical and occupational therapy

Commercial auto insurance

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This policy is required for vehicles owned by Washington small businesses. It covers injuries and property damage in an accident, along with other types of damage.

  • Accidents involving business-owned vehicles
  • Theft of a business-owned vehicle
  • Damage to a company vehicle

Looking for different coverage? Check out our other policies.

What are the insurance requirements for small businesses in Washington?

State laws can affect which policies you need for your small business. These policies are required for Washington businesses.
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Workers' compensation insurance

Washington state law requires businesses with one or more employees, full-time or part-time, to carry workers’ compensation insurance. This policy covers medical bills for work-related injuries and illnesses.

Washington is one of four states that operates a monopolistic state fund for workers' compensation. That means employers cannot buy workers' comp from private insurers, only from the state fund.

These policies do not include employer's liability insurance, which provides financial protection against employee injury lawsuits. You can purchase this coverage from a private insurance provider.

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Commercial auto insurance

Vehicles owned by small businesses in Washington must be covered by commercial auto insurance. Washington requires a minimum of $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $10,000 property damage liability per accident.

Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.

How much does small business insurance cost?

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Commercial insurance can be affordable for a small Washington company. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
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We specialize in business insurance for Washington technology professionals

Our agents are experts in insurance for Washington technology businesses. They can help you find policies that fit your company and fulfill state requirements. TechInsurance is licensed in Washington as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance and for surplus lines (license number 762324). Verify our licensure with the Washington State Office of the Insurance Commissioner by selecting the "Agency Search" tab and then entering our license number.