Washington Business Insurance Quotes

As an owner of a growing business, you face tough challenges every day so Vern Fonk wants to give you one less thing to worry about: Washington business insurance. We’ll make sure your business is adequately protected today and well into the future. In fact, you’ll be so prepared that you can enjoy owning a company!? Consider Vern Fonk your affordable business funsurance.

No matter what kind of business you operate in Washington, Vern Fonk will make sure you can protect yourself and your employees from almost every risk under the sun (or rain!) that your organization may face through Washington business insurance. Property damage, lawsuits, theft, and death are just a few things that can result in serious financial loss if you are not insured.

Let the Washington business insurance experts at Vern Fonk work with you to get your business adequately covered based on risks inherent to your industry…whether you need small business insurance or large business insurance.

What Types of Washington Business Insurance Might You Need?

Business Owners Policy (BOP)

BOPs are package policies which are created for businesses that generally face the same kind and degree of risk. While we can offer you bundled insurance package at an affordable premium, we can also get as Fonky as you need by customizing your plan to meet other unique risks your business may face.

General Liability

General liability insurance includes a wide variety of liability exposures, such as accidents that occur on your property, products sold by your business, operations completed by your business, and contractual liability. In essence, this type of coverage is as extensive as Washington cloud coverage on a daily basis!

Product Liability

If your company manufactures, wholesales, distributes, or retails a product, you may be liable for its safety. Product liability insurance protects your business against financial loss as a result of a defective product that causes injury or bodily harm.

Property & Casualty

This type of insurance protects your business from financial loss due to physical damage. Along with your business real estate, your office equipment, furniture, computers, and business documents are also covered.

Information Risk Coverage

If your business stores sensitive data on internal or external networks, generates revenue online, or uses an online network to control production, manufacturing, inventory or a supply chain, then you are at risk for financial loss. Data theft, viruses, network interruption, and security breaches are among a few of the things that are covered with information risk insurance. This is the kind of coverage you never thought you needed until you do. Instead of crying later, happily get insured now!

Professional Liability/ Errors & Omissions (E&O)

This insurance protects your company from claims if your client holds you responsible for errors, or the failure of your work to perform as promised in your contract.

Directors & Officers (D&O)

Depending on the nature of your business, you may want insurance that protects directors and officers from liability claims arising out of alleged errors in judgment, breaches of duty, and wrongful acts related to their professional responsibilities. These employment-related claims may involve illegal conduct or mismanagement of funds.

Business Travel Insurance

If your employees are required to travel for business, you can get limited contracts covering travel-related risks. Travel insurance can cover accidents, illnesses, injuries, canceled flights, lost luggage and inclement weather.

Business Interruption

If your company was forced to shut down for an indefinite period of time, how much money would you lose? Business Interruption protects business owners against losses resulting from a temporary shutdown because of fire or another event. Commercial insurance provides reimbursement for lost net profits and necessary continuing expenses. Unfortunately, business interruptions aren’t as reliable as the grey weather here in WA, so it’s best to get protected for any scenario.

Key Person Life

What if the success of your business relied on a few very important people? Key Person Life Insurance is designed to protect a business against the loss of income resulting from the disability or death of an employee in a significant position.

Home-Based Business Insurance in Washington

Many people do not realize that homeowners’ insurance policies do not generally cover home-based business losses. If you run a business from your home, you may need to add riders to your homeowners’ policy to cover normal business risks, such as property damage, in addition to other policies that cover general and professional liability.