Business Insurance

Why Business Insurance Matters

• Just one liability claim—someone injured on your premises, a product malfunction, or a data breach—can cost more than a business expects. General business insurance helps absorb those unexpected losses. GEICO+2TSM+2
• Standard home or personal policies typically do not cover business exposures. You need coverage designed for business operations. insurance.wa.gov+1
• Business interruption (loss of income if something forces you to pause operations) is a critical exposure often overlooked until it’s too late. NerdWallet+1
• Because every business is different—industry, size, number of employees, location, assets—the insurance plan should be tailored, not one‑size‑fits‑all.

What Business Insurance Typically Doesn’t Cover

• Intentional, fraudulent, or criminal acts by you or your employees are generally excluded. Money+1
• Wear and tear, aging, maintenance failures—these are typically not covered. Management.Org+1
• Flood, earthquake, war, acts of terrorism often excluded under standard property policies (may require a separate policy or endorsement). insurance.wa.gov+1
• Contractual liabilities not covered unless specified.
• Claims arising prior to policy inception (pre‑existing exposures) or outside policy period.
• Some home‑based business risks may not be covered under your personal homeowners policy—so the business would lack proper protection. Business Insider