Yes, you can be ticketed for a cracked windshield in Washington if the crack obstructs your view — state law requires windshields to be unobstructed, and federal rules limit cracks to under 3/4 inch. Comprehensive insurance (not liability) typically pays for a rock chip or crack — the same coverage that pays for hitting a […]
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In Washington, a car generally becomes eligible for classic (collector) status at 30 years old, provided it has current registration and is used as a collector’s item — not a daily driver. Classic car insurance uses agreed value (no depreciation) with an annual mileage limit, typically 500–7,500 miles, and can even cover cars under restoration
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In most cases you don’t need a special license or CDL to drive an RV in Washington — a standard driver’s license covers RVs under 26,000 pounds used for personal travel. You only need a commercial driver’s license if your motorhome (or its towing combination) exceeds 26,001 pounds, or a towed unit tops 10,001 pounds.
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Landlord insurance covers rental properties that a standard homeowners policy won’t, because homeowners coverage excludes homes where the owner isn’t the primary occupant. It isn’t legally required in Washington, but your mortgage lender almost always will require it. The main options are DP-1, DP-2, and DP-3 dwelling fire policies, plus commercial landlord coverage for larger
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Washington businesses that sell, distribute, or manufacture alcohol must obtain a liquor endorsement on their business license through the Liquor and Cannabis Board — and carry commercial insurance. That means at least $1 million in general liability plus liquor liability (dram shop) coverage from a carrier rated Class VII or A. Do you know the
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If you drive for gig or delivery services like DoorDash, Uber, Instacart, or Amazon Flex in Washington, you likely need commercial auto insurance. Personal auto policies exclude business use, so a claim during a delivery or between rides can be denied. Commercial or rideshare coverage fills those gaps. Do you perform gig work for Amazon,
To ride a snowmobile legally in Washington, register it with the Department of Licensing — snowmobiles are registered, not titled. Registration runs October 1 through September 30, you must transfer a used sled into your name within 10 days of purchase, and non-residents need a temporary permit plus a Sno-Park permit. Are you ready to
Washington Snowmobile License, Title, Registration And Legal Requirements Guide Read More »
Breweries and distilleries face specialized risks that standard business insurance often won’t fully cover — including equipment breakdown, employee injuries from machinery and hot liquids, fires and explosions from flammable alcohol vapor, product contamination, recalls, and liquor liability. Dedicated brewery insurance is designed to close these gaps. If you own a brewing and distilling business,
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Contractor’s liability insurance (general liability) covers claims from third parties for bodily injury, property damage, and personal injury like libel or slander — for example, a visitor tripping on your site or a ladder breaking a neighbor’s window. It doesn’t cover your own employees, vehicles, or property, which need separate policies. Do you have a
What does contractor’s liability insurance cover? Read More »
The most common home insurance claims in Washington are wind and hail damage (about 39%), fire and lightning (about 25%), and freezing and water damage (about 24%), followed by dog bites and theft. A standard homeowners policy covers these events, helping you repair the damage minus your deductible. Are you wondering what causes the most
What are common home insurance claims in Washington State? Read More »
