Washington Home-Based Business Insurance

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Get WA small business insurance quotes and info on costs, coverages, minimum requirements, certificates & more.

Types Of Small Business Insurance

  • Includes medical payments, legal representation, and defense against libel and slander accusations.
  • Bundles general liability insurance and commercial property into one affordable policy.
  • Provides financial protection if an employee has a job-related accident or illness.
  • Pays to repair or replace your business property if it's stolen, damaged, or destroyed in a fire or natural disaster.
  • Covers mistakes or alleged mistakes on your part (errors) & failures or alleged failures to perform a service (omissions).
  • Is liability and physical damage protection for vehicles, such as cars, trucks and vans, that are used for business.
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Frequently Asked Questions About Small Business Insurance


How much does general liability insurance cost?

In 2019, commercial general liability costs can vary widely based on industry. Businesses in higher risk industries pay more. Premiums are also determined by zip code and often payroll and/or gross sales. You can request a free quote to get an exact premium for your business. Read more...

What types of business insurance do I need?

Almost every business needs general liability and commercial property insurance at the very least. If you have any non-owner employees, you'll most likely need workers compensation insurance too as most state require it. It all depends on the risks your business faces. Read more...

How does general liability insurance work?

Having general liability is the basis of any business insurance program. If you can afford only one commercial insurance policy for your small business - then you should get a commercial general liability policy, because it offers protection against a wide range of common but unexpected risks. Read more...

What is a Certificate of Insurance?

A Certificate of Insurance (COI) is proof of coverage. It verifies that you have insurance coverage for your small business, & contains information on types and limits of coverage, insurance company, policy number, named insured, and the effective date of the policy. Read more...
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Washington Home-Based Business Insurance Policy Information

WA Home-Based Business Insurance

Washington Home-Based Business Insurance. More and more people are discovering the benefits of owning their own home-based businesses. Many people edeoy small in-home businesses because it allows them to work part time, arranging their schedules around the needs of their children or other jobs.

Other people may decide to go into business full time. No matter the type of business, Washington home-based business insurance is an essential and smart component required for businesses of all sizes. Just because you are home based doesn't mean that someone won't sue you!

Washington home-based business insurance protects you from lawsuits with rates as low as $37/mo. Get a fast quote and your certificate of insurance now.

Business insurance policies protect small Washington home-based businesses from damage or loss of equipment and merchandise and from the fallout of potential claims of liability against the business.

There are roughly 38 million businesses operated out of people's homes across the United States. Every 12 seconds, a new business starts up, and around 7 out of 10 businesses based out of the home are operations three years down the road. There is more than $425 billion dollars in revenue generated by U.S. businesses each year. Around 2 out of 10 home businesses take in more than $100K per year.

What Are Some Insurance Coverage Types For WA Home-Based Businesses?

Just as there are a vast array of home-based businesses, there are a number of different avenues for getting business insurance coverage. Some of the most common are:

  • Renters or homeowners policies. The purchase of an addendum on a renters or homeowners policy is often all the coverage a true small home-based business needs. For WA small businesses that do not have a lot of inventory or equipment that requires coverage, this may be the best route. Oftentimes businesses of this nature can find coverage for just a few dollars a month with a rider on their basic renters or homeowners policy. However, this type of coverage does not afford the business any protection from liabilities, so if the business is one that may face liability claims, this option may not be sufficient for their needs.
  • Home business policies. For medium-sized WA home-based businesses with assets from $2,500 to $10K or for businesses that may face claims for ideuries, poor work quality, or property damage, a Washington home-based business insurance policy is an essential purchase. Usually very affordable, this policy provides around $10K in coverage for property and $1 million in coverage for liability claims.
  • Commercial insurance policies. A WA commercial insurance policy is the right policy for large home-based business ventures that require a substantial coverage level for many assets. This type of policy usually offers several options when it comes to liability protection, including negligence and malpractice insurance. It may afford millions of dollars to cover property damage or loss.

Why Does Your Home-Based Business Need Insurance Coverage?

Business insurance policies protect home-based businesses in WA from financial loss. Although risks vary widely according to the industry in which you do business, some potentials for loss include:

  • Damage to a substantial amount of inventory stored at home. Damage may result from fire or theft, with the potential to cost the business owner a great deal of money.
  • Claims against the business for a client's financial loss due to “errors and omissions” on the part of the small business.
  • Claims arising from illness or injury as a result of a product your business demonstrates or showcases.
  • Claims against the business brought about by damage you or employees do to a client's property.

These are just a few scenarios. There are an unlimited number of ways that WA businesses may find themselves on the receiving end of a lawsuit or claim, and business insurance provides a buffer for the business to prevent financial ruin.

What Coverage Does Washington Home-Based Insurance Provide?

Although policies vary and are customizable based on the business' needs, most provide for:

  • Liability. Liability coverage guards against loss due to liability claims against the WA home-based business. Liability coverage amounts range from $300K to $1 million.
  • Property coverage. Home-based business property coverage shields the business from damage or loss to business equipment and other assets.
  • Loss of income coverage. This protection helps the business maintain its finances in the event of a work stoppage. Policies generally provide the money needed to pay employees and handle the business' bills for a year.
  • Directors and officers liability coverage. When an officer or director of a company is named in a legal suit, D&O, or directors and officers coverages, protects the company from liability.

Other coverage may be available, dependent on the home based business' needs.

Home-Based Businesses That Can Get Small Business Insurance

These home based businesses types might be eligble for a commercial insurance policy - if they need more coverage than a homeowners policy offers or provides:

  • Abstracting and indexing service
  • Accounting service
  • Adjuster/Independent claims adjuster
  • Adjuster/Public claims adjuster
  • Administrative support service
  • Advertising agency/Advertising specialty items sales
  • Answering service
  • Antique gallery shop
  • Appraisal service (non real estate)
  • Antique gallery/Art studio
  • Artists supplies
  • Association management service
  • Auctioneers (away from insured's premises)
  • Audit service (non-financial)
  • Background checking/Screening service
  • Bakery
  • Balloon art
  • Barber supplies
  • Barber
  • Beautician
  • Beauty supplies
  • Billing service
  • Book/Magazine distributor
  • Bookbinding
  • Bookkeeping service
  • Calligraphy
  • Camera/Photography sales or repair
  • Candle sales (excluding sales of candles made by individuals )
  • Candy/Nut confections
  • Car detailer
  • Cell phone/Pager sales
  • Ceramics
  • Clock or watch repair
  • Clowns, magicians, entertainers (excluding bands)*
  • Coaching service
  • Computer repair
  • Computer sales
  • Computer service bureau
  • Cosmetic sales (Avon, Mary Kay, etc.)
  • Computer repair
  • Computer sales
  • Court reporter
  • Crafts (excluding manufacturing/distribution of candles made by individuals)
  • Damage appraiser
  • Dance instructor
  • Database management
  • Desktop publishing
  • Disc jockey
  • Draftsmen
  • Dry food products/Mixes vendor
  • Editorial service/Proofreader
  • Education consultant
  • Embroidery
  • Employment agency
  • Engraving
  • Financial planning (exclude discretionary trading authority and/or access to customer funds)*
  • Floral arrangement
  • Food broker
  • Food supplements/Vitamins
  • Fund raising service
  • Furniture refinisher
  • Games puzzles vendor
  • Genealogist
  • Gift delivery service (balloons, gift baskets, etc...)
  • Gift Shop (excluding manufacturing/distribution of candles made by individuals)
  • Glassware
  • Grant writing service
  • Graphic artist/Designer
  • *Not eligible for Professional Liability coverage:
  • Handicrafts (excluding manufacturing/distribution of candles made by individuals)
  • Hearing aid sales
  • Hobby and model supplies (excluding explosives and propellants)
  • Household products (Amway, Fuller Brush, etc...)
  • Information search retrieval
  • Insurance agent
  • Insurance inspector
  • Insurance risk manager
  • Interior decorating
  • Interior window treatments
  • Interpreter
  • Inventory control specialist
  • Jewelry (Costume)
  • Kitchen supplies (Tupperware, etc...)
  • Ladies and girls clothing and accessories
  • Leather goods
  • Lingerie
  • Loan origination service
  • Management consultant
  • Manufacturers representative
  • Market research
  • Marketing consultant
  • Mediator
  • Medical claims processing/Transcriptionist
  • Men's and boy's clothing and accessories
  • Model
  • Monogramming
  • Mortgage field inspection
  • Musical instrument sales/Repair
  • Newspaper/Magazine/Book delivery
  • Notary public
  • Office supplies vendor
  • Paper goods
  • Paralegal
  • Personal care products
  • Personal fitness trainer
  • Personalized books and gifts
  • Photographer
  • Picture framing
  • Prepaid calling card vendor (excluding sales from vending machines)
  • Print broker
  • Printer
  • Professional organizer
  • Professional speaker
  • Publisher
  • Real estate agent
  • Registered agent
  • Religious goods
  • Resume service
  • Retail toy sales
  • Rubber stamp business
  • Scrapbooking
  • Secretarial service
  • Shoe repair
  • Sign painting
  • Stationary
  • Stenciling
  • Tailoring, alterations, seamstress
  • Tax preparer
  • Taxidermist
  • Teacher/Tutor (except sports, physical education, industrial or martial arts)
  • Telemarketing, telephone solicitation
  • Toner cartridge recharging
  • Training specialist/Seminar conductor
  • Transcribing/Court reporter
  • Translator
  • Travel agent
  • Trophy sales
  • TV/VCR repair
  • Upholsterer
  • Video and music Sales/Rental
  • Videotaping, dubbing, editing
  • Vinyl/Leather repair
  • Wedding and party planner
  • Wedding cake and/or cookie sales
  • Wood furniture crafter
  • Wood products (excluding toys and furniture making)
  • Word processing
  • Writer/Author

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.

Made In Washington

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 Small Business Insurance

Protect your company and employees with the right commercial insurance policies. Read informative articles on small business insurance coverages - and how they can help shield your company from legal liabilities.


Small Business Commercial Insurance

Your small business faces many potential disasters including: fire, floods, theft, equipment breakdown, lawsuits from clients or customers and current & former employees. Any many other risks you haven't even thought about.

A small business commercial insurance program should provide protection for both larger and smaller disasters. The obvious things like fire, flood and theft most business owners think about... but what if a hacker infects your computers with a virus - and files containing private customer information like credit card and Social Security numbers are stolen?

Who is going to pay to fix your customers credit rating etc...? Will your insurance pay for the cost? You need to know that.

Your commercial insurance program should cover events that can close down your company, or cause it to lose revenue. Anything less than that is not enough coverage. Commmercial insurance doesn't cover everything, and all policies have exclusions and limits.

You need a written plan that allows you to get your operations back up and running as quick as possible.


Request a free Home-Based Business 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.

Also learn about Washington small business insurance requirements for general liability, business property, commercial auto & workers compensation including WA business insurance costs. Call us (206) 801-0021.

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