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Protect Your Business With Confidence

Tailored Commercial Insurance for Washington’s Apartment Owners, Contractors, Condo Associations & More..

Tailored Insurance Solutions

Comprehensive Insurance Coverages. Zero hassle.

General Liability

Protects your business if someone is injured or their property is damaged due to your operations. Covers legal fees, settlements, and medical costs.

Professional Liability

Covers claims of negligence, mistakes, or failure to deliver professional services. Essential for consultants, contractors, and licensed professionals.

Commercial Auto

Covers vehicles used for business — whether it’s one van or a fleet. Includes liability, collision, and comprehensive coverage.

Business Income

Replaces lost income if your business has to temporarily close due to a covered loss like fire or storm damage.

Building Coverage

Covers physical structures your business owns or leases, including offices, warehouses, or retail locations — protecting against fire, vandalism, weather, and more.

Liquor Liability

Required if your business sells, serves, or distributes alcohol. Covers legal costs and damages if an intoxicated customer causes injury or property damage.

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100% focused on small business

I’m Nelson Kramer, founder of SmartInsured and a dedicated Commercial Risk Manager with a passion for protecting what business owners work so hard to build. After years of working in commercial insurance and seeing how underserved small and mid-sized businesses often were, I launched SmartInsured to change that — one policy, one business, one real relationship at a time.

SmartInsured was built on the idea that business insurance shouldn’t be confusing, slow, or cookie-cutter. From day one, my goal has been to make sure Washington business owners — contractors, apartment managers, restaurant owners, condo boards, and more — get the right coverage, without the overwhelm. I bring both industry expertise and a real understanding of what it means to run a business. Whether you’re protecting your crew, your property, or your bottom line, I’m here to help you make smart, confident decisions about risk.