Washington Business Insurance

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Washington Small Business Insurance

Hiscox currently offers small businesses in Washington a variety of small business insurance coverage. Your coverage options include professional liability insurance and general liability insurance.

General Liability Insurance for Washington

General liability insurance, known as Commercial General Liability (CGL), protects your business from another person or business’s claims of bodily injury, associated medical costs, and damage to property. Some examples of what could be covered are below:

  • Bodily injury: At a promotional event, a hanging display falls down, landing on a table near the bar. Several people are injured, two of whom require a trip to the emergency room. The planner of the event is sued for their medical expenses. General liability insurance could protect event planners against third-party claims of bodily injury, associated medical costs and property damage.
  • Damage to client property: A business consultant was onsite at a client location. While eating lunch at his desk one day, he accidentally spilled his soda all over the client’s tablet. General liability insurance could protect business consultants against third-party claims of property damage, bodily injury and associated medical costs.
  • Personal injury: One of your employees is at lunch. He talks to the owner of the shop about one of your clients in a false and unflattering way. The client learns of this discussion and sues for slander. We will cover the subsequent claim, up to your general liability policy's limits of liability, and pay for an attorney to defend you if necessary.

Learn more about general liability insurance costs for your business. 

Professional Liability Insurance for Washington

Professional liability insurance, also known as errors and omissions insurance (E&O insurance), covers another person’s claims against businesses that provide professional and personal services. Some examples of what could be covered include:

  • Negligence: A draftsman incorrectly calculated the slope of a wheelchair ramp when drafting plans for a home renovation. The ramp was installed according to the drawings, but upon inspection it was apparent that it did not meet code, and it needed to be removed and a new ramp installed. Professional liability insurance could protect draftsmen against claims of negligence and will appoint an attorney to defend them, if needed, even if they haven’t made a mistake.
  • Dissatisfied client: A restaurant hired a public relations consultant to publicize the grand opening of their restaurant. Despite the consultant’s best efforts to increase publicity for the opening, and partly due to bad weather, the opening was poorly attended. The owner of the restaurant sued the consultant, alleging that he did not do his job. Professional liability insurance could protect public relations consultants against claims of negligence and will appoint an attorney to defend them, if needed, even if they haven’t made a mistake.

Learn more about professional liability insurance.

Example professions we insure in Washington:

    How Hiscox can help your business in WA:

    • Flexible payment options: We offer you the option of making monthly payments (with no additional fees) to help you manage your cash flow.
    • Tailored insurance: We specialize in businesses like yours and tailor coverage to the risks in your field.
    • Claims responsiveness: When a covered claim is reported, Hiscox will immediately assign a dedicated claims representative to assist you.
    • Coverage for contracts: Our insurance coverage satisfies most standard contract insurance requirements.
    • Worldwide coverage: A Washington business insured through Hiscox is covered for work done anywhere in the world, as long as the claim is filed in the U.S., a U.S. Territory or Canada.
    • Passion for service: Agents knowledgeable about your business concerns will provide you with excellent service—4.7/5 people surveyed recommended us.

    Get a fast, free quote now and get that Hiscox confidence behind your Washington business. If you prefer, you can call us at 1-866-283-7545 and speak with a Hiscox licensed agent, Monday – Friday, 7am – 10pm ET.

    Quote online or call a licensed insurance agent


    Hiscox Customer Reviews

    Hiscox rated 4.8/5
    Rated 4.8/5

    5 Stars

    Patty, Richland, WA


    It was great always knowledgeable


    5 Stars

    John, Washington

    "Better than most."

    Overall very good. I would like to see more timely online responses.


    5 Stars

    Isioma, Auburn, Washington

    "Excellent service"

    Excellent, I was very happy to find insurance for my small business.


    4 Stars

    Paul, Bellevue, Washington

    "Good - could be better"

    Pretty easy to buy a policy. I've owned separate policies for E&O and Gen Liability and wanted to combine them. I also wanted to check out employment practices insurance. It is not possible to combine/link the policies without talking to a rep. Once the rep was on, we updated the revenue and payroll numbers


    5 stars

    April Christine, MA, LMFTA , Olympia WA

    So far I am pleased, and I like that you have real people available with real answers right away. Thanks for that.

    See More Reviews

    This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverage is subject to underwriting and may not be available in all states.

    Administered by Hiscox Inc., a Delaware corporation that is a licensed insurance producer in all states and Washington, D.C. 5 Concourse Parkway, 21st Floor, Atlanta, GA 30328.