Commercial General Liability
Critical Assurance for the Protection of Your Business.
Running a business is a major responsibility that can involve many risks. Not only are you responsible for ensuring that your day-to-day operations run smoothly, but you are also accountable for keeping your employees and property insured from injuries and damages. At Insurance NW, we can help you create a policy that is designed to safeguard the best interests of your business – so you can focus on serving your customers and increasing your profits.
Commercial General Liability from Insurance NW can prevent major financial losses if your business is sued or held legally responsible in the event of bodily injury or damage. With the proper policy, you can have most medical expenses, attorney fees, settlements, and reimbursements covered. Coverages from Insurance NW include:
- Premises Liability
- Products and Completed Operations
- Premises Medical
- Fire Legal Liability
- Casualty Coverage
Other types of Commercial General Liability include Garage keepers Liability and Employment Practices Liability. If you run an auto service operation, having Garage keepers Liability coverage will protect your customers’ vehicles from fire, vandalism, theft, or other damages. An option like Employment Practices Liability will protect your business if an employee’s legal rights have been violated.
Additional Commercial Liability
Other specialty types of Commercial Liability, such as Foreign, Liquor, and Concession Liability, can aid in furthering the safety of your business’s future.
Foreign Liability protects employees who travel out of the country (for business purposes) in the event of injuries, damages, and lawsuits.
Liquor Liability includes covering damages and injuries in which your business is held legally responsible because of serving liquor – from liquor establishments to office parties/special events.
Concession Liability keeps your special event stand insured from damage, accidents, or accidental injuries sustained to pedestrians.
Since there are many types of liability coverages, it’s important to talk with a specialist at Insurance NW about the best options for your business.
Commercial Property Insurance
Protection for Your Business Itself.
Every day, you work hard to ensure that your business stays up and running. From serving your customers and offering your products and services to providing your employees with jobs, your business is a powerhouse of activity. That’s why it’s important to make sure your commercial property is protected because accidents do happen, and the last thing you want to experience as a business owner is being out of commission and under the wrong policy.
With a custom Property Insurance policy from Insurance NW, you can ensure that the building itself and the personal property of your business is protected from minor accidents or a major financial loss. Our insurance specialists can help you create a policy that keeps your small-to medium-size business insured from top to bottom by covering such items as:
- Your building
- All interior items (desks, furniture, etc.)
- Any outdoor signs on your property
- On-site equipment
- Your inventory
Other items that are typically found on a Property Insurance policy can include Builder’s Risk insurance and Equipment Breakdown coverage. Builder’s Risk protects any materials or equipment from damage or loss sustained during construction or remodeling, while Equipment Breakdown, or Boiler and Machinery, keeps any electrical, electronic, or pressurized equipment on your premises insured from breakdowns or loss.
Additional Business Protection
In some cases, your business can save more by combining Property with Liability for the convenience of having your business needs met. To find out more about combining coverages, contact Insurance NW today.
Business Owners Policy (BOP)
Combined Coverage for Special Advantages.
At Insurance NW, we are committed to providing insurance solutions that keep small to medium-sized businesses protected. That is why we combine various coverage options into one convenient package – for more benefits than a typical Business policy and better savings through competitive pricing.
A Business Owners Policy (BOP) from Insurance NW allows your business to create a customized insurance policy that combines Property, Commercial General Liability, and Crime Insurance, as well as additional coverage types based on your needs.
The proper Business Owners Policy can keep your day-to-day operations protected with options such as:
- Products and Completed Operations
- Premises Liability
- Premises Medical
- Fire Legal Liability
- Business Income Insurance
- Building and Personal Property Protection
- On-Site Equipment Insurance
- Coverage for Inventory Loss
- Crime Insurance
Find Out if Your Business is Eligible
Since Business Owners Policies apply only to special types of businesses with specific needs, operations, and risks, it’s important to contact a specialist at Insurance NW who can help you determine whether a BOP is right for your small or medium-sized business.
Commercial Auto Insurance
Peace of Mind for Businesses on the Road.
Insurance NW understands the value of your commercial vehicles and the employees who drive them. From trips across the country to local deliveries and promotions, your mobile business fleet takes on the open road to keep operations running smoothly – but accidents do happen.
To prevent losing your hard-earned revenue due to an auto accident, you will want to ensure that your vehicles, products, and drivers are insured in the event of property or vehicle damage, bodily injury, legal costs, and more. With Commercial Auto Insurance from Insurance NW, we will work with you one-on-one to create a customized policy that may include:
- Bodily Injury Liability
- Medical Payments
- Personal Injury Protection (PIP) Coverage
- Comprehensive Coverage
- Collision Coverage
- GAP Coverage
- Uninsured and Underinsured Motorist Coverage
Additional options like Bailee Coverage are available if needed. Bailee Coverage insures property loss or damage when in your company’s care, control, or custody – for example: product protection for items on a semi or delivery truck.
Since Commercial Auto Insurance coverage varies, it’s important to discuss your business’s options with a specialist at Insurance NW who can help you determine the proper amount of coverage for all your commercial needs.
Auto Insurance is an essential financial decision that will keep your business covered. The next time your fleet takes the road, make sure it’s protected with Commercial Auto policy from Insurance NW.
Commercial Umbrella Insurance
Extra Protection that Keeps You in Business.
As a business owner, keeping your business insured is one of the most important financial decisions you can make. But if you do not have a sufficient amount of coverage, your current policy may not have the extra layer of protection needed for situations that can jeopardize your finances, or even your operations.
With Commercial Umbrella Insurance from Insurance NW, you can protect your business and your assets in the event that your company gets sued in a major lawsuit.
A Commercial Umbrella policy will provide your business with additional coverage should a lawsuit or major accident exceed the limits of your existing, or underlying, General, Auto, or other business liability policy. It can also insure an incident that occurs outside of your coverage territory.
What Does Commercial Umbrella Insurance Cover?
Major lawsuits are a result of accidents that occur either on or off the premises of your business. The following are examples of situations where Commercial Umbrella coverage can safeguard your business:
- Accidental falls or slips on your property
- A carbon monoxide leak in your building
- Libel, slander, or invasion of privacy
- If one of your products causes injury or illness
- If a fire in your building damages other property
- Violations of Employment Practices Liability
- If your business vehicle is involved in an accident
- How Much Umbrella Coverage is Enough?
Since lawsuits can be expensive and accidents do happen, you can never be too careful with your coverage options. That’s why at Insurance NW, our helpful insurance experts will work with the individual needs of your business to find a level of protection that keeps you and your operations secure. Commercial Umbrella Insurance is simply an affordable coverage that can help you avoid major losses.
Protect your business personally and financially with a Commercial Umbrella policy from Insurance NW.
Bonds in
Assurance for You and Your Business.
Owning a business means taking risks. At Insurance NW, we offer a variety of bond and license services to ensure that your business is protected. While there are many Bonds from which to choose, they can be issued for an extensively wide range of circumstances and choosing the right bond to suit your needs can be a difficult task.
The professional and knowledgeable bond specialists at Insurance NW will work with you to develop a business solution to help meet all your bonding goals. In addition to providing quality surety products, we also provide various licensing and permit services to ensure that your business runs to the letter of the law.
Our business solution services include:
- Performance Bonds
- Contractor’s Bonds
- ERISA Bonds
- Fiduciary Bonds
- Sub-Division Bonds
- Court Bonds
- Conservator Bonds
- Surety Bonds
- Fidelity Bonds
- Public Officials
- Liquor Licenses
If you need a bond or license, contact a bond specialist at Insurance NW today who can help you find the surety products that keep your business covered.
We provide bonding and license services to businesses near Kirkland, Bothell, Kenmore, Woodinville, Bellevue, and Seattle.
Commercial Real Estate Insurance
Commercial real estate insurance protects you from losses caused by damage to property assets. Most businesses are vulnerable to the same threats as every other building—fire, flooding, vandalism, or even being struck by a vehicle that goes out of control. Many of these problems are something that cannot be reasonably prevented, making them eligible for coverage that can help repair the building or allow your company to move to a new location.
Commercial Real Estate Insurance Features
As the owner of a business, you know how difficult it is to run a smooth operation. The last thing you need is a disaster that damages your workplace so badly that you can no longer continue operating. Commercial real estate insurance makes the crisis something you can handle. Before you start shopping, though, here are a few things to keep in mind:
The first thing you should do is take stock of the company’s physical assets. This includes your building, any paper records, inventory, office equipment, signs located outside, and anything else that qualifies as a physical asset.
You may not need to insure everything the business owns. If you decide something is not worth insuring, removing it from your policy could lower your monthly premiums and make it easier to insure what truly matters.
Most policies cover either the replacement cost (RC) or the actual cash value (ACV) of the insured items. Policies that include replacement cost are more expensive but allow for full replacement without calculating any depreciation. Actual cash value policies consider the loss of value over time and factor this difference in to any claims on the policy.
If you are not sure which policy options make the most sense for your company, ask one of our agents for more information and they’ll help you make a decision.