Business insurance
Small business insurance for South Sound owners
Small business insurance usually starts with general liability and business property coverage, often packaged together as a business owner's policy, and adds commercial auto, professional liability or other coverages as the business needs them.
Core coverages for a small business
Short answer: General liability, business property, business income, and commercial auto if vehicles are used for work.
| Coverage | Protects against |
|---|---|
| General liability | Customer injuries, damage to others' property, some advertising injury |
| Business property | Equipment, inventory, furniture, tenant improvements |
| Business income | Lost income while closed after a covered loss |
| Commercial auto | Vehicles owned or used for the business |
| Professional liability | Claims from advice or services you provide |
Your business and your household, reviewed together
Short answer: A personal umbrella generally excludes business activities, and a personal auto policy may not cover business use — so owners need both sides looked at together.
Book a coverage review and we'll look at business and personal policies side by side.
Sources
Explanations on this page are general. Your policy documents control what is and isn't covered.
Keep exploring
- Umbrella insuranceUmbrella insurance adds $1 million or more of liability protection above your home and auto policies. What a personal umbrella policy covers, who needs one, and how much to buy.
- Auto insuranceWashington auto insurance explained: the 25/50/10 legal minimum, why most drivers need more, underinsured motorist and PIP, and how to get a car insurance quote locally.
- Review my coverage
- Federal WayHome insurance in Federal Way from a local agent who has served the community for 25+ years. Bluff and tree risks, older split-levels, flood and earthquake — and a team you can visit.
Ready when you are
Get a real quote from a real person.
Two minutes online. A person from the team follows up — typically the same business day — and walks you through options side by side.