Insurance Learning Center
Free guides, cost breakdowns, and expert articles to help you make confident insurance decisions for your Washington business.
Getting Started
New to business insurance? Start here.
What is General Liability Insurance? A Small Business Guide
Learn what general liability insurance covers, why your small business needs it, and how much it costs. Get covered in minutes wit...
Read GuideHow Much Business Insurance Do I Really Need?
Not sure how much business insurance coverage you need? Learn how to determine the right limits for general liability, professiona...
Read Guide5 Insurance Mistakes New Business Owners Make
Avoid these common insurance mistakes that cost new business owners thousands. Learn what coverage you actually need and how to ge...
Read GuideBusiness Insurance for New Washington LLCs: What You Need
Starting an LLC in Washington? Learn what business insurance you need, what's required by law, and how to protect your new company...
Read GuideCertificate of Insurance (COI): How to Get One Same Day
Learn what a Certificate of Insurance is, why you need one, and how to get a COI same day in Washington State. Fast COIs for contr...
Read GuideCoverage Deep Dives
Understand what each policy covers and when you need it.
BOP vs General Liability: Which Do You Need?
Business Owner's Policy or General Liability? Learn the differences, what each covers, and which insurance is right for your small...
Read GuideUnderstanding Professional Liability Insurance
Professional liability insurance (E&O) protects against claims of negligence and mistakes. Learn if your business needs this essen...
Read GuideWhat Does General Liability Insurance NOT Cover?
General liability insurance has important exclusions. Learn what GL doesn't cover in Washington State so you can fill the gaps and...
Read GuideCommercial Property Insurance vs. BOP: Which Do You Need?
Compare commercial property insurance and Business Owner's Policy (BOP). Learn which coverage is right for your Washington busines...
Read GuideUmbrella Insurance Explained: When Your Business Needs Extra Protection
Learn what commercial umbrella insurance is, how it works, when you need it, and how much it costs in Washington State. Protect yo...
Read GuideCyber Liability Insurance for Small Businesses: Is It Worth It?
Data breaches cost small businesses thousands. Learn what cyber liability insurance covers, what it costs in Washington, and wheth...
Read GuideInland Marine Insurance: Protecting Your Tools and Equipment
Learn how inland marine insurance protects your tools, equipment, and materials in transit or at job sites. Essential coverage for...
Read GuideContractor Resources
Licensing, bonds, L&I, and insurance for WA contractors.
Contractor Insurance Washington State: Requirements and Coverage Guide 2026
Complete guide to Washington State contractor insurance requirements in 2026. Learn what coverage you need, L&I requirements, bond...
Read GuideDo Contractors Need Insurance? (Yes, Here's Why)
Contractors face unique risks that make insurance essential. Learn what coverage contractors need and why clients require it befor...
Read GuideWashington State Contractor Licensing and Insurance Checklist
Complete step-by-step checklist for getting your Washington contractor license and required insurance. Bond requirements, L&I regi...
Read GuideL&I Insurance Requirements for Washington Contractors
Understand Washington's Labor & Industries (L&I) insurance requirements for contractors. Workers' comp registration, quarterly pre...
Read GuideGeneral Contractor Bond Requirements in Washington State
Learn about Washington's $12,000 contractor bond requirement, how bonds work, costs, and how to get bonded quickly. Essential guid...
Read GuideHow Much Does Contractor Insurance Cost in Washington?
Detailed breakdown of contractor insurance costs in Washington State. Pricing by trade, coverage type, and business size. Get accu...
Read GuideBest Insurance for Seattle-Area Contractors in 2026
Find the best insurance options for contractors in Seattle, Bellevue, Tacoma, and the Puget Sound region. Local coverage requireme...
Read GuideConstruction Insurance Costs by Trade: Electricians, Plumbers, Roofers, and More
How much does construction insurance cost for your specific trade in Washington? Detailed cost breakdowns for electricians, plumbe...
Read GuideIndustry Guides
Coverage guidance for specific business types.
Restaurant Insurance Washington State: What Coverage You Need
Complete guide to restaurant insurance in Washington. Learn about liquor liability, food spoilage, workers comp, and costs. Covera...
Read GuideLiquor Liability Insurance in Washington State
Washington businesses that serve alcohol need liquor liability insurance. Learn what it covers, who needs it, costs, and how Washi...
Read GuideCondo Association Insurance Washington: Complete HOA Coverage Guide
Everything Washington condo associations and HOAs need to know about insurance. Master policy requirements, D&O coverage, fidelity...
Read GuideCondo Association Insurance Requirements in Washington State
Washington State has specific insurance requirements for condo associations and HOAs. Learn what the law requires, what your CC&Rs...
Read GuideApartment Building Insurance Washington: What Landlords Need to Know
Complete guide to apartment building insurance in Washington State. Learn what coverage landlords need, costs, legal requirements,...
Read GuideWorkers' Comp Washington State: What Employers Need to Know
Complete guide to Washington State workers' compensation for employers. Learn about L&I requirements, premium calculations, report...
Read GuideCosts & Savings
Know what to expect and how to save.
How Much Does General Liability Insurance Cost in 2026?
Learn what affects general liability insurance costs and what to expect to pay. Rates from $19.99/month for low-risk businesses to...
Read GuideSmall Business Insurance Cost Guide: What to Expect in 2026
Understand what small business insurance costs based on your industry, coverage needs, and location. Average costs range from $19....
Read GuideHow to Lower Your Business Insurance Costs
Save money on business insurance without sacrificing coverage. Learn 7 proven strategies to reduce your premiums while staying pro...
Read GuideWashington State Requirements
Stay compliant with WA-specific rules and regulations.
Checklists & Guides
Printable resources to help you stay organized and compliant.
Contractor Insurance Checklist
Everything WA contractors need: L&I registration, bonds, liability coverage, and compliance steps.
Get ChecklistNew Business Insurance Guide
Starting a business in Washington? This guide covers what insurance you need from day one.
Read GuideCoverage Comparison Chart
GL vs. BOP vs. Professional Liability — a side-by-side breakdown to help you choose the right coverage.
Read GuideStill Have Questions?
Our licensed agents are happy to walk you through your options — no pressure, no jargon. Just honest answers.