Frequently Asked Questions About
Commercial General Liability Insurance
How much does commercial insurance cost?
Costs can vary widely based on industry and are also determined by zip code and often payroll and/or gross sales. Request a free quote to get an exact number.
What kind of business insurance do I need?
Most business owners need General Liability Insurance at the very least. If you have any non-owner employees, you will need workers compensation insurance too.
What is a Certificate of Insurance?
A Certificate of Insurance is proof of coverage. It lists the type and amount of liability coverage you have and other policy information when a third party requests it.
Is business insurance tax deductible?
Yes. you can deduct the cost of commercial insurance premiums. The IRS considers insurance a cost of doing business as long it benefits the business & serves a business purpose.
Snow Plow Insurance Washington
Snow Plow Insurance Washington. If you run a business that offers snow removal in WA, then you provide a valuable service to your community that's likely quite profitable at certain times of the year. But are you fully protected from any sort of liability that might be cast on your company if you cause an accident, damage someone else's property or someone slips and falls?
If you offer snow removal services, you are typically required by local and state laws to maintain commercial snow plow insurance Washington, or you may be contractually obligated by your client to provide this insurance. Either way, it protects your business from financial fallout if something goes awry during the course of snow plowing.
Snow plow insurance Washington protects your plowing operation from lawsuits with rates as low as $317/mo. Get a fast quote and your certificate of insurance now.
What Does Snow Plowing Insurance Provide?
Snow plow insurance Washington provides a buffer of protection between your business and your snow removal activities. So much can go wrong when you are removing snow. Snow creates a blanket on the ground that can disguise the layout of the landscape or even cover items of value that you can't see while you plow. This can lead to accidental damage to the property of the client for whom you are plowing. For example, if a thick blanket of snow is covering a feature in someone's driveway, and you plow into it and hit the buried object, you can be found liable for replacing or repairing it. Likewise, if you cause a huge mess on your client's property, you can be held liable for repairing grass or sod that you've damaged, which cuts into your profits.
With snow plow insurance Washington in place, your business interests and your property both receive protection. In the event of a claim being lodged against your business, this insurance kicks in and provides legal fees and payouts on your behalf. In the event of damage to your own equipment or vehicles used during snow removal, those losses can be mitigated if you are covering your plowing equipment.
Types of Coverage for Snow Plow Businesses
Snow plow insurance Washington can be custom tailored to your specific business needs, but it generally provides for four specific types of plowing coverage, including:
- Business owner's policy.
- General liability insurance.
- Commercial truck insurance.
- Worker's compensation insurance.
Let's look at these in greater detail to see how they can effectively help your business stay afloat if a major claim, accident, or other event occurs.
A business owner's policy, often referred to as a BOP policy, provides protection against liability, property and loss of income. A general BOP policy provides general liability to cover losses caused by your business, including bodily or personal injury, property damage, and even advertising injury claims. Snow plow insurance Washington replaces property damaged. This policy is a good option as a basic type of coverage for your snow plowing business.
General liability insurance provides protection for your business when it comes to bodily injury, damage to property, or personal injury to others caused by you during the course of operating your snow plowing or getting from your location to your customer's location.
Commercial truck insurance covers your snow plow or the equipment used to haul it to your work site. It can also cover your commercial truck that's outfitted with a snow plow for seasonal use. This snow plow insurance Washington should be maintained on your commercial vehicles year round, not just during the busy season.
Worker's compensation insurance is valuable protection for your employees. If you work on your own, this may not be an issue, but if you have people working for you, then worker's comp provides money to your employees who are hurt or become ill due to something that occurs on the job. It can pay medical costs and even pay lost wages for covered events. This is required for all non owner employees in WA.
How Much Does WA Snow Plow Insurance Cost?
Utilize the services of a commercial agent to find the best snow plow insurance Washington for your needs. Your agent can help you understand the different variances between regular business insurance and snow plowing insurance and help you make a determination as to the levels of coverage that you need to have in place at all times. In addition, your agent can compare rates on WA snow plow insurance with more than one insurer, so you get a snapshot of the availability and the prices of policies with more than one company - getting the most for your business' dollars.
Washington State Economic Outlook & Business Insurance Requirements
For anyone who is thinking about starting up a business, it is important that they choose a location that suites the industry that they wish to work in. With that said, in order to determine whether or not a location is the right choice for your business, you should have an idea about the state's economic status. You should also have an understanding of the WA state regulations related to the types of commercial insurance that you are required to carry.
If you are thinking about starting up a business in the State of Washington, below, we offer some insight into the state's economic status. We also offer a glimpse at the WA insurance requirements that business owners must abide by.
State Of The Economy In Washington
Washington state may be famous for its gloomy weather, but when it comes to the economy, things here look bright. The economic outlook for Washington is healthy. It is expected that there will be more jobs added in the 2019 calendar year. There will be an increase in the productivity of labor. There will also be an increase in the state's unemployment rate during the year 2019, with a forecasted rate of 4.7 percent.
Washington is regarded as one of the top for businesses in the nation. In fact, it is listed at the 11th best state for business by Forbes. The industry that is expected to see the most growth are related to STEM (science, technology, engineering, and math). Among the top industries in this state include information technology. Education, healthcare, finance, and travel and tourism also contribute largely to the awesome economy of this state.
Commercial Insurance Requirements In WA
The Washington State Office of the Insurance Commissioner regulates the insurance industry in WA. Businesses are legally required to carry workers' compensation insurance. This type of coverage is required for any business that employs either hourly or salaried employees, and either part-time or full-time employees. You are also required to carry commercial auto insurance if you use a vehicle to conduct any type of business in this state. That means that if you are using a car to transport goods, make deliveries, or meet with clients, you must carry business auto insurance.
While commercial general liability insurance is not required in Washington, it is highly recommended. This type of insurance offers protection from lawsuits and other legal fees that may arise.
Additional Resources For Contractors & Home Improvement Insurance
Learn about small business contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your contracting business from lawsuits.
- Air Conditioning Systems Installation Repair
- Builders Risk
- Cable And Satellite TV Installer
- Concrete Contractors
- Contractor Liability
- Demolition Contractors
- Door And Window Installers
- Dryer Vent Cleaning
- Drywall Contractor
- Electrical Contractors
- Environmental Remediation Contractors
- Excavation Contractor
- Fence Installation
- Fire Sprinkler Contractors
- Fire & Water Restoration Contractors
- Flooring Contractor
- Framing Contractor
- Garage Door Installer And Repair
- Glass Contractor
- Glazier Insurance
- House Cleaning
- HVAC Contractor
- Insulation Contractor
- Janitorial Cleaning Services
- Lawn Care
- Masonry Contractor
- Paperhanging Contractors
- Plastering And Stucco Contractor
- Pressure Washing Contractors
- Propane And Fuel Dealers
- Rug, Upholstery & Carpet Cleaning
- Sandblasting Contractors
- Security Alarm
- Siding Contractor
- Solar Panel Installers
- Snow Plow
- Stone And Tile Installer
- Swimming Pool Contractor
- Tree Trimming
- Upholstery Shop
- Waste Haulers & Garbage Collection
- Water Well Drilling
- Welding Contractor
- Wildlife & Pest Control
- Window Cleaning
If a contractor wants to begin or stay in business, liability coverage must be obtained for the premises or operations, off-site locations and products/completed operations exposures. These coverages may be included as a part of a businessowners policy (BOP) or purchased in a commercial general liability (CGL) policy. Owners and contractors protective liability and railroad protective liability coverages may also be required in certain cases in order for a contractor to obtain a particular job.
Many contractors do not have the usual location-specific buildings and business personal property exposures. Their business property is more mobile and, therefore, better covered with inland marine coverage forms. However, for those larger contractors that own buildings and/or maintain business inventory there are many coverage forms and choices available to them.
Contractors use their vehicles to get to and from their workplaces and jobsites. They also use vehicles to transport equipment and inventory to those locations. It is important to cover the liability of these vehicles for injury or damage they may cause, as well as to provide coverage for damage to the vehicles themselves.
Employers are required to provide coverage for injuries sustained by their employees while on the job. Contractors must comply with these requirements but some try to avoid them by hiring subcontractors. These subcontractors may actually operate and qualify as employees. The relationship between a contractor and its subcontractors must be carefully evaluated in order to determine if workers compensation coverage is still needed.
Request a free Snow Plow Insurance Washington quote in Aberdeen, Anacortes, Arlington, Auburn, Bainbridge Island, Battle Ground, Bellevue, Bellingham, Bonney Lake, Bothell, Bremerton, Burien, Burlington, Camas, Centralia, Chehalis, Cheney, Clarkston, College Place, Covington, Des Moines, DuPont, East Wenatchee, Edgewood, Edmonds, Ellensburg, Enumclaw, Ephrata, Everett, Federal Way, Ferndale, Fife, Gig Harbor, Grandview, Hoquiam, Issaquah, Kelso, Kenmore, Kennewick, Kent, Kirkland, Lacey, Lake Forest Park, Lake Stevens, Lakewood, Liberty Lake, Longview, Lynden, Lynnwood, Maple Valley, Marysville, Mercer Island, Mill Creek, Monroe, Moses Lake, Mount Vernon, Mountlake Terrace, Mukilteo, Newcastle, Oak Harbor, Olympia, Othello, Pasco, Port Angeles, Port Orchard, Port Townsend, Poulsbo, Pullman, Puyallup, Redmond, Renton, Richland, Sammamish, SeaTac, Seattle, Sedro-Woolley, Selah, Shelton, Shoreline, Snohomish, Snoqualmie, Spokane Valley, Spokane, Sumner, Sunnyside, Tacoma, Toppenish, Tukwila, Tumwater, University Place, Vancouver, Walla Walla, Washougal, Wenatchee, West Richland, Woodinville, Yakima and all other cities in WA - The Evergreen State.
Quotes from leading small business insurance carriers including: ACE, AmTrust, Chubb, Cincinnati, CNA, Colony, Employers, Evanston, Fireman's, Foremost, Guard, Hanover, Hiscox, Liberty Mutual, LLoyd's of London, Markel, MSA, Nationwide, Penn America, Philadelphia, Prime, Progressive, Scottsdale, The Hartford, Travelers, USLI, Utica First, Western World, Zurich & others.