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Warehouse shelves with boxes in a distribution center or logistics warehouse, representing business insurance needs for commercial property and asset protection in Spokane WA.

How much is business insurance in Washington state and what do you need covered?

Business Insurance /

Business insurance in Washington typically costs about $1,000 per year for every $1 million of coverage. A Business Owner’s Policy runs roughly $50–$90 per month, general liability about $30, and workers’ compensation around $70 — though your actual cost depends on your industry, size, payroll, and the coverages you choose. Do you need business insurance […]

How much is business insurance in Washington state and what do you need covered? Read More »

Washington State contractor license bond guide for Spokane WA, offering essential insurance solutions for contractors to ensure compliance and protect their businesses.

Washington State Contractor License Bond Guide

Bonding /

A contractor license bond is required for all contractors in Washington — $12,000 for general contractors and $6,000 for specialty contractors — and guarantees customers are compensated if the contractor fails to meet the contract or damages property. It’s a three-party surety agreement regulated by the Department of Labor & Industries, which requires contractors to

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Motorcycle on a road in Spokane, Washington, with a person in the background.

How to add a motorcycle endorsement to your Washington state drivers license?

Motorcycle Insurance /

To add a motorcycle endorsement to your Washington driver’s license, you must be at least 16, hold a valid license, get an instruction permit, and pass the knowledge and riding tests at an approved motorcycle training school — then apply for the endorsement within 180 days. Washington offers separate 2-wheel and 3-wheel endorsements. Are you

How to add a motorcycle endorsement to your Washington state drivers license? Read More »

Boating license insurance Spokane WA, boat insurance coverage, boaters insurance options, Spokane boat insurance specialists, Boyd Insurance Spokane Washington.

Do you need a special license to drive a boat in Washington?

Boat Insurance /

Washington doesn’t require a driver’s-license-style boat license, but most recreational boaters must carry a Boater Education Card. It’s required for anyone 12 or older, born after January 1, 1955, operating a vessel with 15 horsepower or more. You earn it by completing an approved safety course and paying a small fee. Are you thinking of

Do you need a special license to drive a boat in Washington? Read More »

Tractor and farmland showing farm insurance coverage options in Spokane, WA for agricultural protection and crop insurance from Boyd Insurance.

Do You Have The Right Insurance Coverage For Your Farm?

Farm and Agriculture Insurance /

Farm insurance protects your buildings, equipment, crops, liability, and family living expenses against risks like fire, accidents, and disasters. The right policy should use replacement cost (not actual cash value) for buildings and equipment, include general liability for visitors and employees, and add crop coverage — it’s a specialized form of business insurance. The care

Do You Have The Right Insurance Coverage For Your Farm? Read More »

Filing auto insurance claim process in Spokane WA, Boyd Insurance provides expert guidance on what you need to know about auto accident claims and coverage options.

Filing An Auto Insurance Claim in Washington State: What You Need To Know

Car Insurance /

Filing an auto insurance claim in Washington means asking your insurer to help pay for repairs after an accident — you report when, where, and how the damage happened and who was involved. You generally have up to three years to file, but sooner is better. For minor damage under $1,000 it’s often wiser to

Filing An Auto Insurance Claim in Washington State: What You Need To Know Read More »

Restaurant insurance coverage for the food industry in Spokane WA, with expert guidance from Boyd Insurance. Protect your restaurant business with tailored insurance solutions and reliable brokerage services.

What insurance does a restaurant need?

Restaurant Insurance /

Restaurant insurance protects your business from risks like food contamination, customer injuries on the premises, and loss of refrigeration. A solid policy covers cleanup and spoiled-food costs after a contamination outbreak, guest medical expenses, and restoring perishable inventory if your cooling system fails. Mobile vendors have related but distinct needs — see food truck insurance.

What insurance does a restaurant need? Read More »

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