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Small Business Insurance in Washington, D.C.

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Recommended insurance policies for small businesses in Washington, D.C.

General liability insurance

General liability insurance icon

General liability covers common risks for small businesses in Washington, D.C., including customer 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, D.C. 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

Business owner’s policy icon

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

  • Customer injuries
  • Damaged customer property
  • Damaged business property

Workers’ compensation

Workers’ compensation insurance icon

Workers’ compensation insurance is required for all Washington, D.C. small businesses that have at least one employee. It can cover medical costs for work injuries.

  • Employee medical expenses
  • Wages lost while unable to work
  • Lawsuits over employee injuries

Commercial auto insurance

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This policy is required for vehicles owned by Washington, D.C. 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, D.C.?

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

Washington, D.C. laws require businesses that have one or more full-time or part-time employees to carry workers’ compensation insurance. This policy covers medical bills for work injuries and illnesses.

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Commercial auto insurance

Vehicles owned by small businesses in Washington, D.C. must be covered by commercial auto insurance.

Washington, D.C.'s auto insurance requirements are:

  • Bodily injury liability: $25,000 per person / $50,000 per accident
  • Property damage liability: $10,000
  • Uninsured motorist coverage: $25,000 per person / $50,000 per accident / $5,000 property damage

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, D.C. 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, D.C. tech professionals

Our agents are experts in insurance for Washington, D.C. technology businesses. They can help you find policies that fit your company and fulfill state requirements. TechInsurance is licensed as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance and for surplus lines (license number 2883140). Verify our licensure with the National Association of Insurance Commissioners by selecting District of Columbia, licensee, business entity, and then entering our NPN or license number.