Coverage shaped by what you do.
Every industry has its own failure modes. These are the Washington businesses we work with most — and the coverage questions that come up in each.
Real Estate Owners & Landlords
Rental property carries a different risk profile than a home you live in — and standard landlord policies leave common gaps.
Discuss My Business →Property coverage that matches reality
Replacement cost on the building, loss of rents if a unit becomes uninhabitable, and ordinance or law coverage for code upgrades after a loss.
Liability for tenants and guests
Injuries on the property, habitability claims, and the limits your lender or property manager expects to see.
Entity and umbrella structure
Multiple properties under LLCs need policies scheduled correctly, plus umbrella limits that follow the entity structure.
Example: a small apartment owner discovers after a kitchen fire that 'loss of rents' was capped at a fraction of actual income. A review before the loss would have caught it.
Contractors & Trades
Job-site risk, contract requirements, and certificates — contracting insurance is as much about paperwork discipline as coverage.
Discuss My Business →General liability with completed operations
Claims can surface years after a job finishes. Completed operations coverage and the right additional insured endorsements matter.
Tools, equipment, and vehicles
Inland marine for tools and equipment in transit, and commercial auto structured for crews and job sites.
Certificates and contract compliance
GCs and owners require specific limits, additional insured status, and waivers. We help you understand what you're agreeing to.
Example: a subcontractor signs a contract requiring primary/non-contributory wording their policy doesn't have — and finds out at certificate time, with the job on hold.
Professional Services & Small Business
Offices, consultants, agencies, and local shops — where the biggest exposures are often advice, employees, and data.
Discuss My Business →Professional liability (E&O)
If clients pay for your advice or services, E&O is the policy that responds when they claim it cost them money.
Employment practices (EPLI)
The first employee claim — termination, discrimination, harassment — often arrives before a business expects it.
Cyber and business income
Email compromise, ransomware, and downtime hit small firms hard. Cyber coverage and business income limits deserve real attention.
Example: a small firm's bookkeeper is fooled by a spoofed vendor email and wires a payment. Whether that's covered depends on social engineering wording added before the loss.
These are editorial overviews, not promises of coverage or eligibility. Whether a specific policy is available — and what it costs — depends on the carrier's underwriting of your specific operation.
Tell us what you do. We'll tell you what we'd look at.
Send a request anytime. Our response target is five minutes; response times may vary. Submitting a request does not bind or change coverage.