out of 5 customer review rating and 200,000+ policies sold.

Get Business Insurance in Washington State

biBERK is trusted by many companies for business insurance in Washington state. We offer flexible policies to protect you from the many types of risk Washington businesses face.

Washington General Liability insurance

Also known as commercial liability insurance, a general liability policy is a vital type of business insurance in Washington. It covers damages and legal costs associated with injury claims to customers and other people you don't employ, damage to other people's property that was caused by your business, and medical costs associated with these incidents. For example, it can cover visitor slip-and-fall accidents at your business location. It also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your policy, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

General Liabilitychevron_right

Washington Business Owners Policy (BOP)

Also called property & liability insurance, a business owners policy (BOP) combines general liability insurance (for things like non-employee injuries and customer property damage) with coverage for your company’s property. You'll get protection for the building you own, space you lease, and any property needed to run your business. For instance, if a severe storm damages the roof of your building, you may be covered. You also get coverage for business interruption. This can replace lost income, as well as pay other costs associated with getting your business back up and running after suffering property damage, such as the use of a temporary location. In addition, you can tailor your BOP with add-ons including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

Business Owners Policychevron_right

Washington Professional Liability insurance

Also known as errors and omissions (E&O) insurance, this policy could protect you from the cost of damages and legal fees if someone claims your professional service caused financial harm to them or their business. If you’re an accountant, for example, and you make a calculation error that results in your client losing money, your business may be covered if they sue you. Coverage includes both mistakes on the part of your business (errors) and the failure to perform a service (omissions). Professional liability insurance should be considered if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage.

Professional Liabilitychevron_right

Washington Cyber insurance

This type of business insurance in Washington can be purchased as an add-on to a BOP, general liability, or professional liability policy. It helps cover costs related to system hacks or data security breaches in which sensitive information like credit card data has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.

Cyber Insurancechevron_right

Washington Umbrella insurance

When buying business insurance in Washington, every insurance policy you purchase has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection, as it can cover costs that exceed the limit of another liability policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend an umbrella policy to protect your company.

Umbrella Insurancechevron_right

We Cover all Kinds of Professionals and Businesses in Washington, Including:

  • Advertising services
  • Attorneys and law firms
  • Auto repair shops
  • Aviation companies
  • Bakeries
  • Barber shops and salons
  • Bookkeepers and auditors
  • Building services companies
  • Business consultants
  • Drain cleaning and plumbing
  • Electrical contractors
  • Engineers and architects
  • Fruit and vegetable markets
  • Garbage removal
  • Household appliance repair
  • HVAC companies
  • Insurance companies
  • Interior and exterior painters
  • Lawn care services
  • Messenger services
  • Patrol and guard services
  • Photographers and videographers
  • Physicians and osteopaths
  • PR firms
  • Programmers
  • Real estate companies
  • Residential cleaning services
  • Restaurants
  • Securities and commodities
  • Software development companies
  • Stores
  • Transportation and trucking
  • Woodworking and carpentry

Why biBERK for Business Insurance in Washington State?

We’re the experts when it comes to small business.

Save time

Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.

Save money

We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than policies with other insurance companies.


We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.

Why is biBERK Better for Washington State Business Insurance?

Whether it’s general liability insurance in Washington state or other small business insurance, we’re often less expensive and easier to do business with than other insurance companies. That’s better for you in many ways. We’re also part of the Berkshire Hathaway Insurance Group, the nation’s largest insurance company in terms of assets. You may know Berkshire Hathaway as the company started by Warren Buffett. Mr. Buffett began as a small business owner, and he’s dedicated to providing small businesses with services and value that can help them grow.

Your Statewide Source for Washington Business Insurance

Since we’re an online insurance provider, you can connect with us easily, wherever you are, to get:

    • Business insurance in Seattle, WA
    • Business insurance in Vancouver, WA
    • Business insurance in Spokane, WA
    • Business insurance in Tacoma, WA
    • Business insurance in Everett, WA
    • Business insurance in Renton, WA
    • Business insurance in Bellevue, WA
    • Business insurance in Federal Way, WA
    • Or insurance from any Washington location!

What do biBERK Customers Say?

What Coverage is Required for Washington Small Businesses?

Workers’ Compensation

In Washington, every business with employees is required to carry workers’ compensation insurance, which must be purchased through the Washington State Department of Labor & Industries. Even if you only have one employee, you’re still required to carry workers’ comp. You can receive substantial fines and criminal penalties if you’re obligated to have coverage but don’t have a workers’ comp policy.

Other Policy Considerations

Many contracts require a general liability policy and/or a professional liability policy. Even if your customers, clients, or partners don’t require you to carry specific policies, it’s recommended that you carry policies to cover any part of your business that could be at risk. Financially protecting your Washington small business is one of the smartest decisions you can make.

What Does Business Liability Insurance in Washington State Cost?

The cost of commercial and business insurance in Washington depends on a number of factors, including industry, number of employees, and the amounts of payroll and revenue. Additionally, your claims history will influence your policy cost. Companies with fewer claims typically pay lower premiums. We’re happy to provide instant online business insurance quotes.

Washington Small Business Insurance in Three Simple Steps


Get a Quote

Fill out a form online or give us a call to tell us about your business. You’ll have a quote in as little as five minutes.


Buy a Policy

Complete your purchase and make payments online or over the phone. You can pay your premium all at once or in monthly installments.


Get a Certificate

Download an instant Certificate of Liability Insurance immediately after purchasing a policy.

Get a Quote Today

Trust biBERK for business insurance in Washington and save up to 20%.