Seattle Business Insurance

Also Serving Everett, Shoreline, Wenatchee, Methow Valley  & Areas Across Washington State

Starting and running a business takes hard work, dedication and investments. Investing in your business means money, time and passion that could be at risk from a single lawsuit or accident. All business owners should make sure that their business is covered with the right business insurance limits and coverages. 

At Empire Insurance Brokers, we work with business owners across industries one on one to identify risks and design insurance plans that are perfect for your coverage needs and your budget. 

What does Commercial Insurance Cover? 

There are several types of commercial insurance policies designed to protect your business from a variety of risks and dangers day to day. Some common and important coverages include: 

General Liability Insurance 

General liability insurance covers claims against the business concerning bodily injury, property damage and personal or advertising injury. If someone is injured on your business’ property, for example, general liability insurance can help pay for the victim’s medical bills and protect you against a related lawsuit. 

Commercial Auto Insurance 

Commercial auto insurance covers vehicles owned or used by the business for work purposes. If your business transports equipment, products or clients, you may need commercial auto insurance. These policies include a lot of the same coverages available under personal auto insurance such as comprehensive coverage, collision coverage, liability, medical payments coverage, uninsured/underinsured motorist and more. 

Workers Compensation 

Workers compensation insurance covers claims in case an employee is injured on the job. It can help cover medical bills, disability benefits, wage replacement and possible lawsuits related to a workplace injury. 

Business Owners Policy 

A business owners policy combines important coverages into a single policy for small businesses in low risk industries. A basic policy may include commercial property insurance and general liability insurance, but these policies also allow you to adjust and add coverage as needed. 

How Much Commercial Insurance Do I Need? 

Every business is different and you will need commercial coverage limits that are designed specifically to cover your business in case of an accident, disaster or lawsuit. In general, you should have enough insurance to cover the risks your business faces day to day. Speak with an insurance agent about ensuring your business for what it is worth. 

Protect Your Business Today 

Don’t settle for a commercial policy that has too little coverage for too high a price. Call Empire Insurance Brokers and let an insurance professional help you protect your hard work. 

Common Commercial Insurance Questions 

How Much Does Commercial Insurance Cost? 

The cost of commercial insurance varies depending on your location, industry, size of the business, insurance types, coverage limits and other factors. Fill out a quote form to find out how much you can save on commercial insurance today. 

How Does Commercial Insurance Work? 

Purchasing a commercial insurance policy generally means paying monthly premiums in return for coverage. As long as the policy is active, you can file a claim to receive compensation for damages, financial loss and other risks. 

Why is Commercial Insurance Important? 

Commercial insurance is crucial for businesses of all size and throughout all industries. Without it, you could be looking to pay for damages and accidents all out of pocket, which can cause a heavy financial strain on your business—especially in the earlier years of operation. Commercial insurance can help you bear these financial burdens.