Fusion

If you run a home-based business in Washington, your homeowners or renters policy usually won’t cover it — standard policies cap business property around $2,500 and exclude business-related liability. Depending on your operations, you’ll need a homeowners endorsement, an in-home business policy, or a Business Owner’s Policy, plus L&I workers’ comp if you hire employees.

The most common insurance mistakes Washington construction contractors make are carrying only the $250,000 state-minimum general liability, misclassifying employees as 1099 contractors, skipping builders risk coverage, using personal auto policies for work trucks, and failing to verify subcontractor certificates of insurance. Each can lead to denied claims or L&I penalties. Operating a construction business in

Food trucks in Spokane need several commercial policies: commercial auto (personal auto won’t cover a business vehicle), general liability (events often require $1M), commercial property and inland marine for equipment, workers’ comp through L&I if you have staff, and business interruption coverage. The average Washington food truck claim tops $6,200. Operating a food truck in