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Commercial insurance in Edmonds, WA
Business and commercial insurance for Snohomish and King County businesses
Commercial and property coverage is the core of our agency. We build insurance programs around what your business actually does, what you own, and what your leases and contracts require.
Commercial insurance done properly
Business insurance is easy to get wrong. A policy can look complete on paper and still leave out the one exposure that matters: a landlord’s additional insured requirement, a missing hired and non-owned auto endorsement, business income limits that only cover two months, or a contractor exclusion buried in the forms. Our commercial division reads the contracts, ask about operations, and match coverage to the real risk.
We work with restaurants, retail shops, offices, contractors and trades, landlords and apartment owners, nonprofits and professional firms across Edmonds, Lynnwood, Seattle and the Eastside.
What we review before quoting
- Operations, revenue, payroll and number of employees
- Buildings, equipment, inventory and tenant improvements
- Vehicles owned, leased or driven by employees for work
- Leases, client contracts and certificate of insurance requirements
- Prior claims and current policy forms and endorsements
Business coverage we offer
Business owners policy (BOP)
Property, liability and business income in one package.
General liability
Bodily injury, property damage and advertising injury claims.
Commercial property
Buildings, contents, equipment and business income.
Commercial auto
Owned, hired and non-owned vehicles.
Workers comp and stop-gap
How Washington L&I works and the employers liability gap.
Professional liability (E&O)
Claims of errors, negligence or bad advice.
Cyber liability
Data breaches, ransomware and funds transfer fraud.
Contractor insurance
Liability, tools, trucks and registration requirements.
Surety bonds
Contractor license bonds, permit and performance bonds.
Restaurant insurance
Liquor liability, spoilage, equipment breakdown and more.
Retail store insurance
Inventory, crime, liability and business income.
Apartment and commercial landlord
Multi-unit residential and mixed-use buildings.
Commercial umbrella
Higher liability limits over your primary policies.
Business insurance questions
What insurance does a small business in Washington need?
Most small businesses start with general liability and property coverage, often combined in a business owners policy. Businesses with employees must carry workers compensation through Washington L&I and should add stop-gap employers liability. Vehicles used for work need commercial auto, and firms that give advice should consider professional liability.
How fast can I get a certificate of insurance?
For existing clients we can usually issue a certificate the same business day, often within an hour during office hours.
Can you insure a business that was declined elsewhere?
Often. Through our carrier relationships and specialty markets we can place many businesses that a single standard carrier turns down, such as newer businesses, higher hazard trades or buildings that need updates.
Get a quote from Edmonds Insurance
Call (425) 555-0100 or request a quote online. Our Edmonds office is open Monday through Friday, 9 am to 5 pm, at 7523 220th St SW.