Common Quirky Accidents That Could Cost Your Business<\/strong> <\/h2>\n\n\n\nEven when the skies clear, Washington\u2019s small businesses are never entirely safe from soggy surprises. That\u2019s why business insurance in Washington is more than a “nice to have” policy \u2014 it\u2019s your rain jacket for real life. <\/p>\n\n\n\n
Coffee Spills and Slip-and-Fall Incidents<\/strong> <\/h3>\n\n\n\nPicture this: A customer snaps a boomerang of their latte at your Ballard boutique. The cup boomerangs back, straight onto the polished concrete. Someone slips, a knee twists, and now you\u2019re googling \u201cnegligence\u201d with one hand and mopping with the other. In a place where caffeine is a civic duty, slip-and-falls are not hypothetical; they\u2019re physics. <\/p>\n\n\n\n
Equipment and Inventory Damage<\/strong> <\/h3>\n\n\n\nA stormy power surge in Tacoma fries your point-of-sale and the pastry case. A skylight drips at your Capitol Hill salon, and you discover conditioner is not covered in the \u201cwaterproofing\u201d section of physics. Or your Belltown gallery learns the hard way that \u201cclimate control\u201d is not just a mood setting. <\/p>\n\n\n\n
As to what it costs \u2026 well, replacement equipment, clean-up, repair downtime, and spoiled inventory often happen all at once. Even if you can open your doors the next day, profit margins don\u2019t love surprise shopping sprees at the appliance store. <\/p>\n\n\n\n
Types of Business Insurance You Might Need<\/strong> <\/h2>\n\n\n\nNot all policies are created equal, and not all coffee spills are created equal either (mochas are stickier; that\u2019s science). Here\u2019s how coverage lines map to these real-world commercial insurance tips, and how business insurance in Washington helps protect small businesses from Seattle to Spokane. <\/p>\n\n\n\n
General Liability Insurance<\/strong> <\/h3>\n\n\n\nThis is your central shield for third-party bodily injury and property damage, also known as the \u201csomeone slipped on your floor\u201d and \u201csomeone\u2019s tote bag met your display shelf\u201d policy. It also often includes personal and advertising injury (think: an accidental social post that unintentionally ruffles another brand\u2019s feathers). Wet floors are part of the local biome. No matter how many floor mats you deploy, general liability insurance is the line between an awkward apology and an existential budget crisis. <\/p>\n\n\n\n
Property and Equipment Coverage<\/strong> <\/h3>\n\n\n\nIf it\u2019s your stuff \u2014 that is, build-out, fixtures, inventory, equipment \u2014 commercial property coverage is your friend. It generally covers things like fire, theft, wind, and many types of water damage (note: flood is a separate thing; more on that in a sec). For machinery (espresso machine, walk-in, lasers at your med-spa), ask about equipment breakdown coverage to protect against electrical issues and mechanical failures. <\/p>\n\n\n\n
Power flickers during fall storms are famous. So are roof leaks after \u201cthat one atmospheric river.\u201d Make sure your policy limits are current for today\u2019s replacement costs, not last season\u2019s sale price. You can basically think of it as \u201cproperty damage insurance.\u201d <\/p>\n\n\n\n
Professional Liability Insurance<\/strong> <\/h3>\n\n\n\nOffer advice, designs, or specialized services? From consultants in Spokane to web designers in Wenatchee, professional liability (errors & omissions) addresses claims that your services caused a financial loss, even without a physical accident. An example: You miss a deadline for a campaign launch, and your client claims lost revenue. No latte was spilled, but your DMs are spicy. <\/p>\n\n\n\n
Workers\u2019 Compensation Insurance<\/strong> <\/h3>\n\n\n\nIf you have employees in Washington, workers\u2019 comp isn\u2019t optional. Washington is a monopolistic workers\u2019 compensation state, meaning most employers either purchase coverage through the Washington State Department of Labor & Industries (L&I) or qualify as self-insured. In practical terms, you still need it; it just doesn\u2019t come from the usual private carrier bundle. Employee accident coverage, in other words, is a non-negotiable requirement. <\/p>\n\n\n\n
From a barista\u2019s wrist strain to a stockroom back tweak, workers\u2019 comp helps pay medical care and wage replacement and protects your business from most employee injury lawsuits. Pro tip for astute entrepreneurs: Set your safety training on \u201crepeat.\u201d A five-minute ladder refresher can save a five-figure claim. <\/p>\n\n\n
\n![\"White](\"https:\/\/www.vernfonk.com\/wp-content\/uploads\/2025\/11\/Vern-Fonk-business-insurance-tips-for-washington-shops-1-.jpg\")
<\/figure><\/div>\n\n\nBusiness Interruption Insurance<\/strong> <\/h3>\n\n\n\nWhen your business is shut down by a covered property loss (say, after a fire or significant storm damage), this coverage helps replace lost income and necessary extra expenses to keep you afloat while you recover. This is especially relevant to Washington. Why? <\/p>\n\n\n\n
If a windstorm knocks out power and your inventory spoils, business interruption can be the difference between a setback and a shutdown. Ask how your policy treats utility service interruptions and civil authority closures (handy when street access is blocked by construction or, you know, a film crew pretending your Seattle block is really Vancouver). <\/p>\n\n\n\n
Contractors Insurance<\/strong> <\/h3>\n\n\n\nSuppose you\u2019re a contractor (from electricians in Everett to landscapers in Lacey). In that case, you\u2019ll want the right mix: general liability, tools & equipment, property, and often a bond depending on the trade. Many Washington clients won\u2019t even let you step on-site without proof. The Office of the Insurance Commissioner of Washington State<\/a> goes into more detail on this aspect of business insurance in the state. <\/p>\n\n\n\nCommercial Auto Insurance<\/strong> <\/h3>\n\n\n\nOwn a delivery van, mobile groomer, food truck, or anything on four wheels that earns its keep? Personal auto won\u2019t cut it. Commercial auto covers crash damage, liability while on the road, and optional goodies like hired\/non-owned coverage for employees\u2019 cars used on a coffee run that \u201caccidentally\u201d becomes a wholesale milk acquisition. Snow on the passes one day, misty drizzle the next \u2014 collisions don\u2019t wait for the WSDOT camera to say it\u2019s clear. <\/p>\n\n\n\n
Umbrella Policies for Extra Protection<\/strong> <\/h3>\n\n\n\nWhile you may not be able to completely prevent your business from being sued<\/a>, there is a fallback solution for you. When your underlying liability limits tap out, commercial umbrella steps in. It\u2019s the tall rain boot you wear over your regular policies, and it\u2019s surprisingly affordable for the protection it adds. <\/p>\n\n\n\nTips to Prevent Catastrophes Before They Happen<\/strong> <\/h2>\n\n\n\nInsurance is there when prevention fails. But your bank account prefers prevention. Here’s just how to achieve that. <\/p>\n\n\n\n
Employee Training and Safety Programs<\/strong> <\/h3>\n\n\n\nIs your Washington business ready for the rainy season?<\/a> Make \u201crain-ready\u201d part of the culture by placing mats at every entrance. \u201cWet floor\u201d signs that actually come out when the floor is wet. Teach the graceful coffee-carry (lid snapped, cup not brim-full, elbow in) \u2014 ladder basics for backroom heroics. For service businesses, a quick script is needed for handling customer mishaps calmly and documenting incident details. Washington bonus: If you operate seasonally on the Peninsula or in the Cascades, run a pre-season safety reset. New hires + new weather = new risks. <\/p>\n\n\n\nRegular Inventory and Equipment Checks<\/strong> <\/h3>\n\n\n\nKeep invoices and serial numbers handy. If you ever need to file a claim, that neat little spreadsheet becomes your best barista. You’ll also want to create a checklist that covers the following: <\/p>\n\n\n\n
\n- Daily<\/strong>: spills, mats, trip hazards, POS backup batteries, fridge temps <\/li>\n\n\n\n
- Weekly<\/strong>: roof and window leak spots, extension cords, storage stacking, first aid supplies <\/li>\n\n\n\n
- Monthly<\/strong>: fire extinguishers, GFCI outlets, surge protection, HVAC drains, camera angles (privacy-compliant, of course) <\/li>\n<\/ul>\n\n\n\n
Safeguard Your Business With Coverage That Actually Works<\/strong> <\/h2>\n\n\n\nFrom accidental coffee geysers to storm-damaged storefronts, business insurance in Washington keeps you brewing, baking, and booking without the budget panic. The right policy doesn\u2019t just protect your business, but it also protects your peace of mind. <\/p>\n\n\n\n
For the very best in business risk management, give us a call today at Vern Fonk at (800) 455-8276<\/a>, get a quote online<\/a>, or visit us in person today<\/a>! <\/p>\n\n\n\nFAQs<\/strong> <\/h2>\n\n\n\nAre Small Business Owners Liable for Accidents Outside Their Premises?<\/strong> <\/h3>\n\n\n\nIt depends on the situation and what falls explicitly under your small business coverage. Generally, your liability is most substantial inside your space and in areas you control (like your own parking lot). If a customer slips on the public sidewalk, liability is less clear, depending on maintenance responsibilities, local ordinances, and the actual cause of the fall. If employees are performing work off-site (delivering, installing, catering), your liability can travel with them. Make sure your general liability and, when relevant, professional and commercial auto coverages reflect your real-world operations. <\/p>\n\n\n\n
Can I Bundle Business Insurance With My Auto or Home Policies?<\/strong> <\/h3>\n\n\n\nOften, yes. Many carriers provide package policies (a Business Owners Policy or \u201cBOP\u201d bundles general liability and property) and offer discounts when you combine business with personal lines like home and auto. Note that Washington workers\u2019 compensation is through L&I (or self-insured), so that particular piece won\u2019t bundle with your private policies. A quick review of your carrier mix can uncover easy savings without compromising coverage. <\/p>\n\n\n\n
How Often Should I Update My Business Inventory Coverage?<\/strong> <\/h3>\n\n\n\nAt least annually or any time you make a significant purchase, add a new product line, remodel, or see wholesale price increases. Washington\u2019s seasons aren\u2019t just meteorological; retail and tourism cycles can swell your on-hand inventory. If your holiday order fills the back room like it\u2019s a REI garage sale, update your limits and consider a seasonal increase endorsement so you\u2019re not underinsured during peak stock. <\/p>\n\n\n\n
What\u2019s the Difference Between General Liability and Property Insurance?<\/strong> <\/h3>\n\n\n\nThink of general liability as covering harm to other people and their stuff (customer injuries, damage you cause at a client\u2019s location, or particular advertising injury). Property coverage is for your stuff (build-out, equipment, inventory) when it\u2019s damaged by a covered cause of loss, such as fire or many forms of water damage. They\u2019re complementary. Most Washington shops need both, plus workers\u2019 comp for employees, business interruption to protect your income, and potentially professional liability, commercial auto, contractors’ coverages, and umbrella for good measure. <\/p>\n\n\n\n
<\/div>\n\n\n\n
Picture this: A customer snaps a boomerang of their latte at your Ballard boutique. The cup boomerangs back, straight onto the polished concrete. Someone slips, a knee twists, and now you\u2019re googling \u201cnegligence\u201d with one hand and mopping with the other. In a place where caffeine is a civic duty, slip-and-falls are not hypothetical; they\u2019re physics. <\/p>\n\n\n\n
Equipment and Inventory Damage<\/strong> <\/h3>\n\n\n\nA stormy power surge in Tacoma fries your point-of-sale and the pastry case. A skylight drips at your Capitol Hill salon, and you discover conditioner is not covered in the \u201cwaterproofing\u201d section of physics. Or your Belltown gallery learns the hard way that \u201cclimate control\u201d is not just a mood setting. <\/p>\n\n\n\n
As to what it costs \u2026 well, replacement equipment, clean-up, repair downtime, and spoiled inventory often happen all at once. Even if you can open your doors the next day, profit margins don\u2019t love surprise shopping sprees at the appliance store. <\/p>\n\n\n\n
Types of Business Insurance You Might Need<\/strong> <\/h2>\n\n\n\nNot all policies are created equal, and not all coffee spills are created equal either (mochas are stickier; that\u2019s science). Here\u2019s how coverage lines map to these real-world commercial insurance tips, and how business insurance in Washington helps protect small businesses from Seattle to Spokane. <\/p>\n\n\n\n
General Liability Insurance<\/strong> <\/h3>\n\n\n\nThis is your central shield for third-party bodily injury and property damage, also known as the \u201csomeone slipped on your floor\u201d and \u201csomeone\u2019s tote bag met your display shelf\u201d policy. It also often includes personal and advertising injury (think: an accidental social post that unintentionally ruffles another brand\u2019s feathers). Wet floors are part of the local biome. No matter how many floor mats you deploy, general liability insurance is the line between an awkward apology and an existential budget crisis. <\/p>\n\n\n\n
Property and Equipment Coverage<\/strong> <\/h3>\n\n\n\nIf it\u2019s your stuff \u2014 that is, build-out, fixtures, inventory, equipment \u2014 commercial property coverage is your friend. It generally covers things like fire, theft, wind, and many types of water damage (note: flood is a separate thing; more on that in a sec). For machinery (espresso machine, walk-in, lasers at your med-spa), ask about equipment breakdown coverage to protect against electrical issues and mechanical failures. <\/p>\n\n\n\n
Power flickers during fall storms are famous. So are roof leaks after \u201cthat one atmospheric river.\u201d Make sure your policy limits are current for today\u2019s replacement costs, not last season\u2019s sale price. You can basically think of it as \u201cproperty damage insurance.\u201d <\/p>\n\n\n\n
Professional Liability Insurance<\/strong> <\/h3>\n\n\n\nOffer advice, designs, or specialized services? From consultants in Spokane to web designers in Wenatchee, professional liability (errors & omissions) addresses claims that your services caused a financial loss, even without a physical accident. An example: You miss a deadline for a campaign launch, and your client claims lost revenue. No latte was spilled, but your DMs are spicy. <\/p>\n\n\n\n
Workers\u2019 Compensation Insurance<\/strong> <\/h3>\n\n\n\nIf you have employees in Washington, workers\u2019 comp isn\u2019t optional. Washington is a monopolistic workers\u2019 compensation state, meaning most employers either purchase coverage through the Washington State Department of Labor & Industries (L&I) or qualify as self-insured. In practical terms, you still need it; it just doesn\u2019t come from the usual private carrier bundle. Employee accident coverage, in other words, is a non-negotiable requirement. <\/p>\n\n\n\n
From a barista\u2019s wrist strain to a stockroom back tweak, workers\u2019 comp helps pay medical care and wage replacement and protects your business from most employee injury lawsuits. Pro tip for astute entrepreneurs: Set your safety training on \u201crepeat.\u201d A five-minute ladder refresher can save a five-figure claim. <\/p>\n\n\n
\n<\/figure><\/div>\n\n\nBusiness Interruption Insurance<\/strong> <\/h3>\n\n\n\nWhen your business is shut down by a covered property loss (say, after a fire or significant storm damage), this coverage helps replace lost income and necessary extra expenses to keep you afloat while you recover. This is especially relevant to Washington. Why? <\/p>\n\n\n\n
If a windstorm knocks out power and your inventory spoils, business interruption can be the difference between a setback and a shutdown. Ask how your policy treats utility service interruptions and civil authority closures (handy when street access is blocked by construction or, you know, a film crew pretending your Seattle block is really Vancouver). <\/p>\n\n\n\n
Contractors Insurance<\/strong> <\/h3>\n\n\n\nSuppose you\u2019re a contractor (from electricians in Everett to landscapers in Lacey). In that case, you\u2019ll want the right mix: general liability, tools & equipment, property, and often a bond depending on the trade. Many Washington clients won\u2019t even let you step on-site without proof. The Office of the Insurance Commissioner of Washington State<\/a> goes into more detail on this aspect of business insurance in the state. <\/p>\n\n\n\nCommercial Auto Insurance<\/strong> <\/h3>\n\n\n\nOwn a delivery van, mobile groomer, food truck, or anything on four wheels that earns its keep? Personal auto won\u2019t cut it. Commercial auto covers crash damage, liability while on the road, and optional goodies like hired\/non-owned coverage for employees\u2019 cars used on a coffee run that \u201caccidentally\u201d becomes a wholesale milk acquisition. Snow on the passes one day, misty drizzle the next \u2014 collisions don\u2019t wait for the WSDOT camera to say it\u2019s clear. <\/p>\n\n\n\n
Umbrella Policies for Extra Protection<\/strong> <\/h3>\n\n\n\nWhile you may not be able to completely prevent your business from being sued<\/a>, there is a fallback solution for you. When your underlying liability limits tap out, commercial umbrella steps in. It\u2019s the tall rain boot you wear over your regular policies, and it\u2019s surprisingly affordable for the protection it adds. <\/p>\n\n\n\nTips to Prevent Catastrophes Before They Happen<\/strong> <\/h2>\n\n\n\nInsurance is there when prevention fails. But your bank account prefers prevention. Here’s just how to achieve that. <\/p>\n\n\n\n
Employee Training and Safety Programs<\/strong> <\/h3>\n\n\n\nIs your Washington business ready for the rainy season?<\/a> Make \u201crain-ready\u201d part of the culture by placing mats at every entrance. \u201cWet floor\u201d signs that actually come out when the floor is wet. Teach the graceful coffee-carry (lid snapped, cup not brim-full, elbow in) \u2014 ladder basics for backroom heroics. For service businesses, a quick script is needed for handling customer mishaps calmly and documenting incident details. Washington bonus: If you operate seasonally on the Peninsula or in the Cascades, run a pre-season safety reset. New hires + new weather = new risks. <\/p>\n\n\n\nRegular Inventory and Equipment Checks<\/strong> <\/h3>\n\n\n\nKeep invoices and serial numbers handy. If you ever need to file a claim, that neat little spreadsheet becomes your best barista. You’ll also want to create a checklist that covers the following: <\/p>\n\n\n\n
\n- Daily<\/strong>: spills, mats, trip hazards, POS backup batteries, fridge temps <\/li>\n\n\n\n
- Weekly<\/strong>: roof and window leak spots, extension cords, storage stacking, first aid supplies <\/li>\n\n\n\n
- Monthly<\/strong>: fire extinguishers, GFCI outlets, surge protection, HVAC drains, camera angles (privacy-compliant, of course) <\/li>\n<\/ul>\n\n\n\n
Safeguard Your Business With Coverage That Actually Works<\/strong> <\/h2>\n\n\n\nFrom accidental coffee geysers to storm-damaged storefronts, business insurance in Washington keeps you brewing, baking, and booking without the budget panic. The right policy doesn\u2019t just protect your business, but it also protects your peace of mind. <\/p>\n\n\n\n
For the very best in business risk management, give us a call today at Vern Fonk at (800) 455-8276<\/a>, get a quote online<\/a>, or visit us in person today<\/a>! <\/p>\n\n\n\nFAQs<\/strong> <\/h2>\n\n\n\nAre Small Business Owners Liable for Accidents Outside Their Premises?<\/strong> <\/h3>\n\n\n\nIt depends on the situation and what falls explicitly under your small business coverage. Generally, your liability is most substantial inside your space and in areas you control (like your own parking lot). If a customer slips on the public sidewalk, liability is less clear, depending on maintenance responsibilities, local ordinances, and the actual cause of the fall. If employees are performing work off-site (delivering, installing, catering), your liability can travel with them. Make sure your general liability and, when relevant, professional and commercial auto coverages reflect your real-world operations. <\/p>\n\n\n\n
Can I Bundle Business Insurance With My Auto or Home Policies?<\/strong> <\/h3>\n\n\n\nOften, yes. Many carriers provide package policies (a Business Owners Policy or \u201cBOP\u201d bundles general liability and property) and offer discounts when you combine business with personal lines like home and auto. Note that Washington workers\u2019 compensation is through L&I (or self-insured), so that particular piece won\u2019t bundle with your private policies. A quick review of your carrier mix can uncover easy savings without compromising coverage. <\/p>\n\n\n\n
How Often Should I Update My Business Inventory Coverage?<\/strong> <\/h3>\n\n\n\nAt least annually or any time you make a significant purchase, add a new product line, remodel, or see wholesale price increases. Washington\u2019s seasons aren\u2019t just meteorological; retail and tourism cycles can swell your on-hand inventory. If your holiday order fills the back room like it\u2019s a REI garage sale, update your limits and consider a seasonal increase endorsement so you\u2019re not underinsured during peak stock. <\/p>\n\n\n\n
What\u2019s the Difference Between General Liability and Property Insurance?<\/strong> <\/h3>\n\n\n\nThink of general liability as covering harm to other people and their stuff (customer injuries, damage you cause at a client\u2019s location, or particular advertising injury). Property coverage is for your stuff (build-out, equipment, inventory) when it\u2019s damaged by a covered cause of loss, such as fire or many forms of water damage. They\u2019re complementary. Most Washington shops need both, plus workers\u2019 comp for employees, business interruption to protect your income, and potentially professional liability, commercial auto, contractors’ coverages, and umbrella for good measure. <\/p>\n\n\n\n
<\/div>\n\n\n\n
Not all policies are created equal, and not all coffee spills are created equal either (mochas are stickier; that\u2019s science). Here\u2019s how coverage lines map to these real-world commercial insurance tips, and how business insurance in Washington helps protect small businesses from Seattle to Spokane. <\/p>\n\n\n\n
General Liability Insurance<\/strong> <\/h3>\n\n\n\nThis is your central shield for third-party bodily injury and property damage, also known as the \u201csomeone slipped on your floor\u201d and \u201csomeone\u2019s tote bag met your display shelf\u201d policy. It also often includes personal and advertising injury (think: an accidental social post that unintentionally ruffles another brand\u2019s feathers). Wet floors are part of the local biome. No matter how many floor mats you deploy, general liability insurance is the line between an awkward apology and an existential budget crisis. <\/p>\n\n\n\n
Property and Equipment Coverage<\/strong> <\/h3>\n\n\n\nIf it\u2019s your stuff \u2014 that is, build-out, fixtures, inventory, equipment \u2014 commercial property coverage is your friend. It generally covers things like fire, theft, wind, and many types of water damage (note: flood is a separate thing; more on that in a sec). For machinery (espresso machine, walk-in, lasers at your med-spa), ask about equipment breakdown coverage to protect against electrical issues and mechanical failures. <\/p>\n\n\n\n
Power flickers during fall storms are famous. So are roof leaks after \u201cthat one atmospheric river.\u201d Make sure your policy limits are current for today\u2019s replacement costs, not last season\u2019s sale price. You can basically think of it as \u201cproperty damage insurance.\u201d <\/p>\n\n\n\n
Professional Liability Insurance<\/strong> <\/h3>\n\n\n\nOffer advice, designs, or specialized services? From consultants in Spokane to web designers in Wenatchee, professional liability (errors & omissions) addresses claims that your services caused a financial loss, even without a physical accident. An example: You miss a deadline for a campaign launch, and your client claims lost revenue. No latte was spilled, but your DMs are spicy. <\/p>\n\n\n\n
Workers\u2019 Compensation Insurance<\/strong> <\/h3>\n\n\n\nIf you have employees in Washington, workers\u2019 comp isn\u2019t optional. Washington is a monopolistic workers\u2019 compensation state, meaning most employers either purchase coverage through the Washington State Department of Labor & Industries (L&I) or qualify as self-insured. In practical terms, you still need it; it just doesn\u2019t come from the usual private carrier bundle. Employee accident coverage, in other words, is a non-negotiable requirement. <\/p>\n\n\n\n
From a barista\u2019s wrist strain to a stockroom back tweak, workers\u2019 comp helps pay medical care and wage replacement and protects your business from most employee injury lawsuits. Pro tip for astute entrepreneurs: Set your safety training on \u201crepeat.\u201d A five-minute ladder refresher can save a five-figure claim. <\/p>\n\n\n
\n<\/figure><\/div>\n\n\nBusiness Interruption Insurance<\/strong> <\/h3>\n\n\n\nWhen your business is shut down by a covered property loss (say, after a fire or significant storm damage), this coverage helps replace lost income and necessary extra expenses to keep you afloat while you recover. This is especially relevant to Washington. Why? <\/p>\n\n\n\n
If a windstorm knocks out power and your inventory spoils, business interruption can be the difference between a setback and a shutdown. Ask how your policy treats utility service interruptions and civil authority closures (handy when street access is blocked by construction or, you know, a film crew pretending your Seattle block is really Vancouver). <\/p>\n\n\n\n
Contractors Insurance<\/strong> <\/h3>\n\n\n\nSuppose you\u2019re a contractor (from electricians in Everett to landscapers in Lacey). In that case, you\u2019ll want the right mix: general liability, tools & equipment, property, and often a bond depending on the trade. Many Washington clients won\u2019t even let you step on-site without proof. The Office of the Insurance Commissioner of Washington State<\/a> goes into more detail on this aspect of business insurance in the state. <\/p>\n\n\n\nCommercial Auto Insurance<\/strong> <\/h3>\n\n\n\nOwn a delivery van, mobile groomer, food truck, or anything on four wheels that earns its keep? Personal auto won\u2019t cut it. Commercial auto covers crash damage, liability while on the road, and optional goodies like hired\/non-owned coverage for employees\u2019 cars used on a coffee run that \u201caccidentally\u201d becomes a wholesale milk acquisition. Snow on the passes one day, misty drizzle the next \u2014 collisions don\u2019t wait for the WSDOT camera to say it\u2019s clear. <\/p>\n\n\n\n
Umbrella Policies for Extra Protection<\/strong> <\/h3>\n\n\n\nWhile you may not be able to completely prevent your business from being sued<\/a>, there is a fallback solution for you. When your underlying liability limits tap out, commercial umbrella steps in. It\u2019s the tall rain boot you wear over your regular policies, and it\u2019s surprisingly affordable for the protection it adds. <\/p>\n\n\n\nTips to Prevent Catastrophes Before They Happen<\/strong> <\/h2>\n\n\n\nInsurance is there when prevention fails. But your bank account prefers prevention. Here’s just how to achieve that. <\/p>\n\n\n\n
Employee Training and Safety Programs<\/strong> <\/h3>\n\n\n\nIs your Washington business ready for the rainy season?<\/a> Make \u201crain-ready\u201d part of the culture by placing mats at every entrance. \u201cWet floor\u201d signs that actually come out when the floor is wet. Teach the graceful coffee-carry (lid snapped, cup not brim-full, elbow in) \u2014 ladder basics for backroom heroics. For service businesses, a quick script is needed for handling customer mishaps calmly and documenting incident details. Washington bonus: If you operate seasonally on the Peninsula or in the Cascades, run a pre-season safety reset. New hires + new weather = new risks. <\/p>\n\n\n\nRegular Inventory and Equipment Checks<\/strong> <\/h3>\n\n\n\nKeep invoices and serial numbers handy. If you ever need to file a claim, that neat little spreadsheet becomes your best barista. You’ll also want to create a checklist that covers the following: <\/p>\n\n\n\n
\n- Daily<\/strong>: spills, mats, trip hazards, POS backup batteries, fridge temps <\/li>\n\n\n\n
- Weekly<\/strong>: roof and window leak spots, extension cords, storage stacking, first aid supplies <\/li>\n\n\n\n
- Monthly<\/strong>: fire extinguishers, GFCI outlets, surge protection, HVAC drains, camera angles (privacy-compliant, of course) <\/li>\n<\/ul>\n\n\n\n
Safeguard Your Business With Coverage That Actually Works<\/strong> <\/h2>\n\n\n\nFrom accidental coffee geysers to storm-damaged storefronts, business insurance in Washington keeps you brewing, baking, and booking without the budget panic. The right policy doesn\u2019t just protect your business, but it also protects your peace of mind. <\/p>\n\n\n\n
For the very best in business risk management, give us a call today at Vern Fonk at (800) 455-8276<\/a>, get a quote online<\/a>, or visit us in person today<\/a>! <\/p>\n\n\n\nFAQs<\/strong> <\/h2>\n\n\n\nAre Small Business Owners Liable for Accidents Outside Their Premises?<\/strong> <\/h3>\n\n\n\nIt depends on the situation and what falls explicitly under your small business coverage. Generally, your liability is most substantial inside your space and in areas you control (like your own parking lot). If a customer slips on the public sidewalk, liability is less clear, depending on maintenance responsibilities, local ordinances, and the actual cause of the fall. If employees are performing work off-site (delivering, installing, catering), your liability can travel with them. Make sure your general liability and, when relevant, professional and commercial auto coverages reflect your real-world operations. <\/p>\n\n\n\n
Can I Bundle Business Insurance With My Auto or Home Policies?<\/strong> <\/h3>\n\n\n\nOften, yes. Many carriers provide package policies (a Business Owners Policy or \u201cBOP\u201d bundles general liability and property) and offer discounts when you combine business with personal lines like home and auto. Note that Washington workers\u2019 compensation is through L&I (or self-insured), so that particular piece won\u2019t bundle with your private policies. A quick review of your carrier mix can uncover easy savings without compromising coverage. <\/p>\n\n\n\n
How Often Should I Update My Business Inventory Coverage?<\/strong> <\/h3>\n\n\n\nAt least annually or any time you make a significant purchase, add a new product line, remodel, or see wholesale price increases. Washington\u2019s seasons aren\u2019t just meteorological; retail and tourism cycles can swell your on-hand inventory. If your holiday order fills the back room like it\u2019s a REI garage sale, update your limits and consider a seasonal increase endorsement so you\u2019re not underinsured during peak stock. <\/p>\n\n\n\n
What\u2019s the Difference Between General Liability and Property Insurance?<\/strong> <\/h3>\n\n\n\nThink of general liability as covering harm to other people and their stuff (customer injuries, damage you cause at a client\u2019s location, or particular advertising injury). Property coverage is for your stuff (build-out, equipment, inventory) when it\u2019s damaged by a covered cause of loss, such as fire or many forms of water damage. They\u2019re complementary. Most Washington shops need both, plus workers\u2019 comp for employees, business interruption to protect your income, and potentially professional liability, commercial auto, contractors’ coverages, and umbrella for good measure. <\/p>\n\n\n\n
<\/div>\n\n\n\n
If it\u2019s your stuff \u2014 that is, build-out, fixtures, inventory, equipment \u2014 commercial property coverage is your friend. It generally covers things like fire, theft, wind, and many types of water damage (note: flood is a separate thing; more on that in a sec). For machinery (espresso machine, walk-in, lasers at your med-spa), ask about equipment breakdown coverage to protect against electrical issues and mechanical failures. <\/p>\n\n\n\n
Power flickers during fall storms are famous. So are roof leaks after \u201cthat one atmospheric river.\u201d Make sure your policy limits are current for today\u2019s replacement costs, not last season\u2019s sale price. You can basically think of it as \u201cproperty damage insurance.\u201d <\/p>\n\n\n\n
Professional Liability Insurance<\/strong> <\/h3>\n\n\n\nOffer advice, designs, or specialized services? From consultants in Spokane to web designers in Wenatchee, professional liability (errors & omissions) addresses claims that your services caused a financial loss, even without a physical accident. An example: You miss a deadline for a campaign launch, and your client claims lost revenue. No latte was spilled, but your DMs are spicy. <\/p>\n\n\n\n
Workers\u2019 Compensation Insurance<\/strong> <\/h3>\n\n\n\nIf you have employees in Washington, workers\u2019 comp isn\u2019t optional. Washington is a monopolistic workers\u2019 compensation state, meaning most employers either purchase coverage through the Washington State Department of Labor & Industries (L&I) or qualify as self-insured. In practical terms, you still need it; it just doesn\u2019t come from the usual private carrier bundle. Employee accident coverage, in other words, is a non-negotiable requirement. <\/p>\n\n\n\n
From a barista\u2019s wrist strain to a stockroom back tweak, workers\u2019 comp helps pay medical care and wage replacement and protects your business from most employee injury lawsuits. Pro tip for astute entrepreneurs: Set your safety training on \u201crepeat.\u201d A five-minute ladder refresher can save a five-figure claim. <\/p>\n\n\n
\n<\/figure><\/div>\n\n\nBusiness Interruption Insurance<\/strong> <\/h3>\n\n\n\nWhen your business is shut down by a covered property loss (say, after a fire or significant storm damage), this coverage helps replace lost income and necessary extra expenses to keep you afloat while you recover. This is especially relevant to Washington. Why? <\/p>\n\n\n\n
If a windstorm knocks out power and your inventory spoils, business interruption can be the difference between a setback and a shutdown. Ask how your policy treats utility service interruptions and civil authority closures (handy when street access is blocked by construction or, you know, a film crew pretending your Seattle block is really Vancouver). <\/p>\n\n\n\n
Contractors Insurance<\/strong> <\/h3>\n\n\n\nSuppose you\u2019re a contractor (from electricians in Everett to landscapers in Lacey). In that case, you\u2019ll want the right mix: general liability, tools & equipment, property, and often a bond depending on the trade. Many Washington clients won\u2019t even let you step on-site without proof. The Office of the Insurance Commissioner of Washington State<\/a> goes into more detail on this aspect of business insurance in the state. <\/p>\n\n\n\nCommercial Auto Insurance<\/strong> <\/h3>\n\n\n\nOwn a delivery van, mobile groomer, food truck, or anything on four wheels that earns its keep? Personal auto won\u2019t cut it. Commercial auto covers crash damage, liability while on the road, and optional goodies like hired\/non-owned coverage for employees\u2019 cars used on a coffee run that \u201caccidentally\u201d becomes a wholesale milk acquisition. Snow on the passes one day, misty drizzle the next \u2014 collisions don\u2019t wait for the WSDOT camera to say it\u2019s clear. <\/p>\n\n\n\n
Umbrella Policies for Extra Protection<\/strong> <\/h3>\n\n\n\nWhile you may not be able to completely prevent your business from being sued<\/a>, there is a fallback solution for you. When your underlying liability limits tap out, commercial umbrella steps in. It\u2019s the tall rain boot you wear over your regular policies, and it\u2019s surprisingly affordable for the protection it adds. <\/p>\n\n\n\nTips to Prevent Catastrophes Before They Happen<\/strong> <\/h2>\n\n\n\nInsurance is there when prevention fails. But your bank account prefers prevention. Here’s just how to achieve that. <\/p>\n\n\n\n
Employee Training and Safety Programs<\/strong> <\/h3>\n\n\n\nIs your Washington business ready for the rainy season?<\/a> Make \u201crain-ready\u201d part of the culture by placing mats at every entrance. \u201cWet floor\u201d signs that actually come out when the floor is wet. Teach the graceful coffee-carry (lid snapped, cup not brim-full, elbow in) \u2014 ladder basics for backroom heroics. For service businesses, a quick script is needed for handling customer mishaps calmly and documenting incident details. Washington bonus: If you operate seasonally on the Peninsula or in the Cascades, run a pre-season safety reset. New hires + new weather = new risks. <\/p>\n\n\n\nRegular Inventory and Equipment Checks<\/strong> <\/h3>\n\n\n\nKeep invoices and serial numbers handy. If you ever need to file a claim, that neat little spreadsheet becomes your best barista. You’ll also want to create a checklist that covers the following: <\/p>\n\n\n\n
\n- Daily<\/strong>: spills, mats, trip hazards, POS backup batteries, fridge temps <\/li>\n\n\n\n
- Weekly<\/strong>: roof and window leak spots, extension cords, storage stacking, first aid supplies <\/li>\n\n\n\n
- Monthly<\/strong>: fire extinguishers, GFCI outlets, surge protection, HVAC drains, camera angles (privacy-compliant, of course) <\/li>\n<\/ul>\n\n\n\n
Safeguard Your Business With Coverage That Actually Works<\/strong> <\/h2>\n\n\n\nFrom accidental coffee geysers to storm-damaged storefronts, business insurance in Washington keeps you brewing, baking, and booking without the budget panic. The right policy doesn\u2019t just protect your business, but it also protects your peace of mind. <\/p>\n\n\n\n
For the very best in business risk management, give us a call today at Vern Fonk at (800) 455-8276<\/a>, get a quote online<\/a>, or visit us in person today<\/a>! <\/p>\n\n\n\nFAQs<\/strong> <\/h2>\n\n\n\nAre Small Business Owners Liable for Accidents Outside Their Premises?<\/strong> <\/h3>\n\n\n\nIt depends on the situation and what falls explicitly under your small business coverage. Generally, your liability is most substantial inside your space and in areas you control (like your own parking lot). If a customer slips on the public sidewalk, liability is less clear, depending on maintenance responsibilities, local ordinances, and the actual cause of the fall. If employees are performing work off-site (delivering, installing, catering), your liability can travel with them. Make sure your general liability and, when relevant, professional and commercial auto coverages reflect your real-world operations. <\/p>\n\n\n\n
Can I Bundle Business Insurance With My Auto or Home Policies?<\/strong> <\/h3>\n\n\n\nOften, yes. Many carriers provide package policies (a Business Owners Policy or \u201cBOP\u201d bundles general liability and property) and offer discounts when you combine business with personal lines like home and auto. Note that Washington workers\u2019 compensation is through L&I (or self-insured), so that particular piece won\u2019t bundle with your private policies. A quick review of your carrier mix can uncover easy savings without compromising coverage. <\/p>\n\n\n\n
How Often Should I Update My Business Inventory Coverage?<\/strong> <\/h3>\n\n\n\nAt least annually or any time you make a significant purchase, add a new product line, remodel, or see wholesale price increases. Washington\u2019s seasons aren\u2019t just meteorological; retail and tourism cycles can swell your on-hand inventory. If your holiday order fills the back room like it\u2019s a REI garage sale, update your limits and consider a seasonal increase endorsement so you\u2019re not underinsured during peak stock. <\/p>\n\n\n\n
What\u2019s the Difference Between General Liability and Property Insurance?<\/strong> <\/h3>\n\n\n\nThink of general liability as covering harm to other people and their stuff (customer injuries, damage you cause at a client\u2019s location, or particular advertising injury). Property coverage is for your stuff (build-out, equipment, inventory) when it\u2019s damaged by a covered cause of loss, such as fire or many forms of water damage. They\u2019re complementary. Most Washington shops need both, plus workers\u2019 comp for employees, business interruption to protect your income, and potentially professional liability, commercial auto, contractors’ coverages, and umbrella for good measure. <\/p>\n\n\n\n
<\/div>\n\n\n\n
If you have employees in Washington, workers\u2019 comp isn\u2019t optional. Washington is a monopolistic workers\u2019 compensation state, meaning most employers either purchase coverage through the Washington State Department of Labor & Industries (L&I) or qualify as self-insured. In practical terms, you still need it; it just doesn\u2019t come from the usual private carrier bundle. Employee accident coverage, in other words, is a non-negotiable requirement. <\/p>\n\n\n\n
From a barista\u2019s wrist strain to a stockroom back tweak, workers\u2019 comp helps pay medical care and wage replacement and protects your business from most employee injury lawsuits. Pro tip for astute entrepreneurs: Set your safety training on \u201crepeat.\u201d A five-minute ladder refresher can save a five-figure claim. <\/p>\n\n\n
<\/figure><\/div>\n\n\nBusiness Interruption Insurance<\/strong> <\/h3>\n\n\n\nWhen your business is shut down by a covered property loss (say, after a fire or significant storm damage), this coverage helps replace lost income and necessary extra expenses to keep you afloat while you recover. This is especially relevant to Washington. Why? <\/p>\n\n\n\n
If a windstorm knocks out power and your inventory spoils, business interruption can be the difference between a setback and a shutdown. Ask how your policy treats utility service interruptions and civil authority closures (handy when street access is blocked by construction or, you know, a film crew pretending your Seattle block is really Vancouver). <\/p>\n\n\n\n
Contractors Insurance<\/strong> <\/h3>\n\n\n\nSuppose you\u2019re a contractor (from electricians in Everett to landscapers in Lacey). In that case, you\u2019ll want the right mix: general liability, tools & equipment, property, and often a bond depending on the trade. Many Washington clients won\u2019t even let you step on-site without proof. The Office of the Insurance Commissioner of Washington State<\/a> goes into more detail on this aspect of business insurance in the state. <\/p>\n\n\n\nCommercial Auto Insurance<\/strong> <\/h3>\n\n\n\nOwn a delivery van, mobile groomer, food truck, or anything on four wheels that earns its keep? Personal auto won\u2019t cut it. Commercial auto covers crash damage, liability while on the road, and optional goodies like hired\/non-owned coverage for employees\u2019 cars used on a coffee run that \u201caccidentally\u201d becomes a wholesale milk acquisition. Snow on the passes one day, misty drizzle the next \u2014 collisions don\u2019t wait for the WSDOT camera to say it\u2019s clear. <\/p>\n\n\n\n
Umbrella Policies for Extra Protection<\/strong> <\/h3>\n\n\n\nWhile you may not be able to completely prevent your business from being sued<\/a>, there is a fallback solution for you. When your underlying liability limits tap out, commercial umbrella steps in. It\u2019s the tall rain boot you wear over your regular policies, and it\u2019s surprisingly affordable for the protection it adds. <\/p>\n\n\n\nTips to Prevent Catastrophes Before They Happen<\/strong> <\/h2>\n\n\n\nInsurance is there when prevention fails. But your bank account prefers prevention. Here’s just how to achieve that. <\/p>\n\n\n\n
Employee Training and Safety Programs<\/strong> <\/h3>\n\n\n\nIs your Washington business ready for the rainy season?<\/a> Make \u201crain-ready\u201d part of the culture by placing mats at every entrance. \u201cWet floor\u201d signs that actually come out when the floor is wet. Teach the graceful coffee-carry (lid snapped, cup not brim-full, elbow in) \u2014 ladder basics for backroom heroics. For service businesses, a quick script is needed for handling customer mishaps calmly and documenting incident details. Washington bonus: If you operate seasonally on the Peninsula or in the Cascades, run a pre-season safety reset. New hires + new weather = new risks. <\/p>\n\n\n\nRegular Inventory and Equipment Checks<\/strong> <\/h3>\n\n\n\nKeep invoices and serial numbers handy. If you ever need to file a claim, that neat little spreadsheet becomes your best barista. You’ll also want to create a checklist that covers the following: <\/p>\n\n\n\n
\n- Daily<\/strong>: spills, mats, trip hazards, POS backup batteries, fridge temps <\/li>\n\n\n\n
- Weekly<\/strong>: roof and window leak spots, extension cords, storage stacking, first aid supplies <\/li>\n\n\n\n
- Monthly<\/strong>: fire extinguishers, GFCI outlets, surge protection, HVAC drains, camera angles (privacy-compliant, of course) <\/li>\n<\/ul>\n\n\n\n
Safeguard Your Business With Coverage That Actually Works<\/strong> <\/h2>\n\n\n\nFrom accidental coffee geysers to storm-damaged storefronts, business insurance in Washington keeps you brewing, baking, and booking without the budget panic. The right policy doesn\u2019t just protect your business, but it also protects your peace of mind. <\/p>\n\n\n\n
For the very best in business risk management, give us a call today at Vern Fonk at (800) 455-8276<\/a>, get a quote online<\/a>, or visit us in person today<\/a>! <\/p>\n\n\n\nFAQs<\/strong> <\/h2>\n\n\n\nAre Small Business Owners Liable for Accidents Outside Their Premises?<\/strong> <\/h3>\n\n\n\nIt depends on the situation and what falls explicitly under your small business coverage. Generally, your liability is most substantial inside your space and in areas you control (like your own parking lot). If a customer slips on the public sidewalk, liability is less clear, depending on maintenance responsibilities, local ordinances, and the actual cause of the fall. If employees are performing work off-site (delivering, installing, catering), your liability can travel with them. Make sure your general liability and, when relevant, professional and commercial auto coverages reflect your real-world operations. <\/p>\n\n\n\n
Can I Bundle Business Insurance With My Auto or Home Policies?<\/strong> <\/h3>\n\n\n\nOften, yes. Many carriers provide package policies (a Business Owners Policy or \u201cBOP\u201d bundles general liability and property) and offer discounts when you combine business with personal lines like home and auto. Note that Washington workers\u2019 compensation is through L&I (or self-insured), so that particular piece won\u2019t bundle with your private policies. A quick review of your carrier mix can uncover easy savings without compromising coverage. <\/p>\n\n\n\n
How Often Should I Update My Business Inventory Coverage?<\/strong> <\/h3>\n\n\n\nAt least annually or any time you make a significant purchase, add a new product line, remodel, or see wholesale price increases. Washington\u2019s seasons aren\u2019t just meteorological; retail and tourism cycles can swell your on-hand inventory. If your holiday order fills the back room like it\u2019s a REI garage sale, update your limits and consider a seasonal increase endorsement so you\u2019re not underinsured during peak stock. <\/p>\n\n\n\n
What\u2019s the Difference Between General Liability and Property Insurance?<\/strong> <\/h3>\n\n\n\nThink of general liability as covering harm to other people and their stuff (customer injuries, damage you cause at a client\u2019s location, or particular advertising injury). Property coverage is for your stuff (build-out, equipment, inventory) when it\u2019s damaged by a covered cause of loss, such as fire or many forms of water damage. They\u2019re complementary. Most Washington shops need both, plus workers\u2019 comp for employees, business interruption to protect your income, and potentially professional liability, commercial auto, contractors’ coverages, and umbrella for good measure. <\/p>\n\n\n\n
<\/div>\n\n\n\n
Suppose you\u2019re a contractor (from electricians in Everett to landscapers in Lacey). In that case, you\u2019ll want the right mix: general liability, tools & equipment, property, and often a bond depending on the trade. Many Washington clients won\u2019t even let you step on-site without proof. The Office of the Insurance Commissioner of Washington State<\/a> goes into more detail on this aspect of business insurance in the state. <\/p>\n\n\n\n Own a delivery van, mobile groomer, food truck, or anything on four wheels that earns its keep? Personal auto won\u2019t cut it. Commercial auto covers crash damage, liability while on the road, and optional goodies like hired\/non-owned coverage for employees\u2019 cars used on a coffee run that \u201caccidentally\u201d becomes a wholesale milk acquisition. Snow on the passes one day, misty drizzle the next \u2014 collisions don\u2019t wait for the WSDOT camera to say it\u2019s clear. <\/p>\n\n\n\n While you may not be able to completely prevent your business from being sued<\/a>, there is a fallback solution for you. When your underlying liability limits tap out, commercial umbrella steps in. It\u2019s the tall rain boot you wear over your regular policies, and it\u2019s surprisingly affordable for the protection it adds. <\/p>\n\n\n\n Insurance is there when prevention fails. But your bank account prefers prevention. Here’s just how to achieve that. <\/p>\n\n\n\n Is your Washington business ready for the rainy season?<\/a> Make \u201crain-ready\u201d part of the culture by placing mats at every entrance. \u201cWet floor\u201d signs that actually come out when the floor is wet. Teach the graceful coffee-carry (lid snapped, cup not brim-full, elbow in) \u2014 ladder basics for backroom heroics. For service businesses, a quick script is needed for handling customer mishaps calmly and documenting incident details. Washington bonus: If you operate seasonally on the Peninsula or in the Cascades, run a pre-season safety reset. New hires + new weather = new risks. <\/p>\n\n\n\n Keep invoices and serial numbers handy. If you ever need to file a claim, that neat little spreadsheet becomes your best barista. You’ll also want to create a checklist that covers the following: <\/p>\n\n\n\n From accidental coffee geysers to storm-damaged storefronts, business insurance in Washington keeps you brewing, baking, and booking without the budget panic. The right policy doesn\u2019t just protect your business, but it also protects your peace of mind. <\/p>\n\n\n\n For the very best in business risk management, give us a call today at Vern Fonk at (800) 455-8276<\/a>, get a quote online<\/a>, or visit us in person today<\/a>! <\/p>\n\n\n\n It depends on the situation and what falls explicitly under your small business coverage. Generally, your liability is most substantial inside your space and in areas you control (like your own parking lot). If a customer slips on the public sidewalk, liability is less clear, depending on maintenance responsibilities, local ordinances, and the actual cause of the fall. If employees are performing work off-site (delivering, installing, catering), your liability can travel with them. Make sure your general liability and, when relevant, professional and commercial auto coverages reflect your real-world operations. <\/p>\n\n\n\n Often, yes. Many carriers provide package policies (a Business Owners Policy or \u201cBOP\u201d bundles general liability and property) and offer discounts when you combine business with personal lines like home and auto. Note that Washington workers\u2019 compensation is through L&I (or self-insured), so that particular piece won\u2019t bundle with your private policies. A quick review of your carrier mix can uncover easy savings without compromising coverage. <\/p>\n\n\n\n At least annually or any time you make a significant purchase, add a new product line, remodel, or see wholesale price increases. Washington\u2019s seasons aren\u2019t just meteorological; retail and tourism cycles can swell your on-hand inventory. If your holiday order fills the back room like it\u2019s a REI garage sale, update your limits and consider a seasonal increase endorsement so you\u2019re not underinsured during peak stock. <\/p>\n\n\n\n Think of general liability as covering harm to other people and their stuff (customer injuries, damage you cause at a client\u2019s location, or particular advertising injury). Property coverage is for your stuff (build-out, equipment, inventory) when it\u2019s damaged by a covered cause of loss, such as fire or many forms of water damage. They\u2019re complementary. Most Washington shops need both, plus workers\u2019 comp for employees, business interruption to protect your income, and potentially professional liability, commercial auto, contractors’ coverages, and umbrella for good measure. <\/p>\n\n\n\nCommercial Auto Insurance<\/strong> <\/h3>\n\n\n\n
Umbrella Policies for Extra Protection<\/strong> <\/h3>\n\n\n\n
Tips to Prevent Catastrophes Before They Happen<\/strong> <\/h2>\n\n\n\n
Employee Training and Safety Programs<\/strong> <\/h3>\n\n\n\n
Regular Inventory and Equipment Checks<\/strong> <\/h3>\n\n\n\n
\n
Safeguard Your Business With Coverage That Actually Works<\/strong> <\/h2>\n\n\n\n
FAQs<\/strong> <\/h2>\n\n\n\n
Are Small Business Owners Liable for Accidents Outside Their Premises?<\/strong> <\/h3>\n\n\n\n
Can I Bundle Business Insurance With My Auto or Home Policies?<\/strong> <\/h3>\n\n\n\n
How Often Should I Update My Business Inventory Coverage?<\/strong> <\/h3>\n\n\n\n
What\u2019s the Difference Between General Liability and Property Insurance?<\/strong> <\/h3>\n\n\n\n