Business & Commercial Insurance Near Montesano, WA
Just like everything else that is valuable or important in your life, your business needs insurance. Commercial insurance refers to the policies that you take out on behalf of your business to cover any liabilities that your business faces. Business insurance is not insurance that gets paid out if you lose the business — it just covers any damages or injuries that occur because of your business’s operations.
Although our office is located near Montesano, WA, our insurance services reach beyond the borders of Washington into Oregon, Alaska, Arizona, Indiana, and California.
Some forms of insurance are essential to every business, while others only apply to specific industries or services. Two forms of insurance that your business must have are general liability insurance and workers’ compensation insurance.
General Liability
Even if you have a personal umbrella policy and you are the only employee of your small business, you need to have general liability insurance for your business. You can pick from general liability packages that cover individual contractors, small businesses, or large businesses, so you don’t have to worry about paying for more coverage than you need.
General liability insurance protects you financially in the event that you are sued or held legally responsible for damages. General liability covers you for any bodily harm or property damage that takes place on your business’ premises or because of your operations.
Depending on the services your business offers, you may need to obtain other forms of liability insurance. We have different options listed below, but our agents would be happy to help you determine all of the liability your business needs protected.
Workers’ Compensation
Workers’ compensation insurance is required if you have any employees other than yourself. This pays for any injuries that your employees may incur while at the workplace or performing work-related duties — sometimes even when they’re off the clock.
Obtaining workers’ compensation may be a good idea even if you are self-employed or an independent contractor. Ask our agents if workers’ compensation is right for you as a self-employed individual.
Browse some of our quote forms and self-service options below, or contact us to speak with an agent.
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