Insurance
Insurance Every Washington Small Business Needs
A plain-English guide to the coverage types every Washington small business should have — from general liability to workers' comp — and what each one actually protects you from.
Read MoreWashington State Business Insurance
Protect Your Business. Keep Your Doors Open.
From contractors and food trucks to LLCs and retail stores — Universal Insurance Services finds the right coverage at the best price. Independent agency. 20+ carriers. Same-day quotes.
Business Insurance Coverage We Offer
Every business is different. We build a coverage program that fits your industry, your risk, and your budget.
General Liability
Covers bodily injury, property damage, and completed operations claims from third parties. Required by most clients and contracts.
Business Owner's Policy (BOP)
Bundles general liability and commercial property into one affordable package — ideal for small to mid-sized businesses.
Commercial Auto
Covers vehicles used for business — trucks, vans, and fleets. Personal auto policies won't cover commercial use.
Workers' Compensation
Required by Washington L&I for most employers. Covers medical expenses and lost wages for injured employees.
Contractor Bonds
Surety bonds required for Washington contractor licensing — license & permit, performance, and payment bonds.
Professional Liability (E&O)
Protects consultants, designers, and service professionals from claims of negligence or errors in their work.
Who We Insure
We work with businesses of all sizes across all 39 Washington counties — from solo contractors to growing companies.
General contractors & subcontractors
Electricians, plumbers & HVAC
Landscapers & lawn care
Roofers & painters
Restaurants & food trucks
Retail stores & boutiques
Auto repair shops
Salons & spas
Consultants & freelancers
LLCs & sole proprietors
Why Washington Businesses Choose Us
20+
Insurance Carriers
We shop the market so you don't have to.
Independent
Agency — We Work for You
Not tied to any one carrier. We find the best fit for your business.
39
Counties Served
Coverage across all of Washington State.
Not Sure What Coverage Your Business Needs?
We'll review your business and build a custom coverage program — no jargon, no pressure, just the right protection at the best price.
20+
Insurance Carriers
Independent
Agency
39
Counties Covered
Same Day
COI Issuance
Washington Small Business Resource Center
Practical guides for Washington business owners — from choosing the right insurance to managing risk and growing your company.
Risk Management
Reducing Everyday Risks in Your Washington Business
Most business insurance claims are preventable. Here are the most common risk exposures for Washington small businesses and practical steps to reduce them before they become claims.
Read More
Growth
Growing a Local Business in Washington State
From Yakima to Seattle — practical strategies for growing a local Washington business, building a loyal customer base, and protecting what you've built along the way.
Read MoreFrequently Asked Questions
Ready to Protect Your Business?
Get a free, no-obligation quote today. We'll shop 20+ carriers and find the right coverage at the best price — fast.