☰ ˟
425-513-6007
Logo
Call Us: 425-513-6007
  • Home
  • Get A Quote
    • Automobile
    • BondsImage of right arrow
      • Bond Request Form
      • Notary Errors and Omissions Insurance & Bond
    • Business & CommercialImage of right arrow
      • Commercial Auto Insurance Quote
      • Registering as a Contractor in WA State & Quote Request
      • Business Insurance Quote Request
    • Earthquake
    • Farm
    • Flood
    • Homeowners
    • Life
    • Motorcycle
    • Other
    • Recreational Vehicle
    • Renters
    • Watercraft & Boat
  • Customer Service
    • AutomobileImage of right arrow
      • Request ID Card for Auto Policy
      • Add Vehicle to Existing Auto Policy
      • Remove Vehicle from Existing Auto Policy
      • Add Driver to Existing Auto Policy
      • Remove Driver from Existing Auto Policy
    • Business & CommercialImage of right arrow
      • Request ID Card for Commercial Auto Policy
      • Add Vehicle to Existing Commercial Auto Policy
      • Remove Vehicle from Existing Commercial Auto Policy
      • Add Driver to Existing Commercial Auto Policy
      • Remove Driver from Existing Commercial Auto Policy
      • Contractor's renewal questionnaire
      • Contractor's Certificate of Insurance Request
      • Business Insurance Renewal Questionnaire
    • HomeownersImage of right arrow
      • Request Declaration and Coverages for Existing Homeowners Insurance Coverage
      • Request Evidence of Insurance
      • Personal Lines Renewal Questionnaire
    • MotorcycleImage of right arrow
      • Request ID Card for Motorcycle Policy
      • Add Motorcycle to Existing Policy
      • Remove Motorcycle from Existing Policy
      • Add Driver to Existing Motorcycle Policy
      • Remove Driver from Existing Motorcycle Policy
    • Recreational VehicleImage of right arrow
      • Request ID Card for Recreational Vehicle Policy
      • Add Recreational Vehicle to Existing Policy
      • Remove Recreational Vehicle from Existing Policy
      • Add Driver to Existing Recreational Vehicle Policy
      • Remove Driver from Existing Recreational Vehicle Policy
    • Watercraft & BoatImage of right arrow
      • Add Watercraft to Existing Policy
      • Remove Watercraft from Existing Policy
  • Blog
  • Make a Payment
  • Resources
    • Secure File Area
    • Refer a Friend
    • Important Links
    • Calculators
    • Insurance Glossary
  • About Us
    • About TOP Insurance Associates
    • Location Map
    • Employee Directory
    • Customer Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
Home > Business Insurance, Contractors bond, Retail, Office, Equipment policies

Business & Commercial Insurance


Business & Commercial Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Bond Request Form
Business Insurance Quote Request
Commercial Auto Insurance Quote
Notary Errors and Omissions Insurance & Bond
Registering as a Contractor in WA State & Quote Request

Business & Commercial Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Add Driver to Existing Commercial Auto Policy
Add Vehicle to Existing Commercial Auto Policy
Business Insurance Renewal Questionnaire
Contractor's Certificate of Insurance Request
Contractor's renewal questionnaire
Remove Driver from Existing Commercial Auto Policy
Remove Vehicle from Existing Commercial Auto Policy
Request ID Card for Commercial Auto Policy

Business & Commercial Insurance Information

We insure all industry types like contractors, retail operations, commercial real estate, consultants, couriers, package delivery, moving companies, vacant property, course of construction, and much more. Here is a description of some of our available coverages. Call us today!

 

1. Professional liability insurance.

Professional liability insurance, also known as errors and omissions (E&O) insurance, covers a business against negligence claims due to harm that results from mistakes or failure to perform. There is no one-size-fits-all policy for professional liability insurance. Each industry has its own set of concerns that will be addressed in a customized policy written for a business.

2. Property insurance.

Whether a business owns or leases its space, property insurance is a must. This insurance covers equipment, signage, inventory and furniture in the event of a fire, storm or theft. However, mass-destruction events like floods and earthquakes are generally not covered under standard property insurance policies. If your area is prone to these issues, check with us to price a separate policy.

3. Workers’ compensation insurance.

Once the first employee has been hired, workers’ compensation insurance should be added to a business’s insurance policy. This will cover medical treatment, disability and death benefits in the event an employee is injured or dies as a result of his work with that business. Even if employees are performing seemingly low-risk work, slip-and-fall injuries or medical conditions such as carpal tunnel syndrome could result in a pricey claim.

4. Home-based businesses.

Many professionals begin their small businesses in their own homes. Unfortunately, homeowner’s policies don’t cover home-based businesses in the way commercial property insurance does. If you’re operating your business out of your home, ask us for additional insurance to cover your equipment and inventory in the event of a problem.

5. Product liability insurance.

If your business manufactures products for sale on the general market, product liability insurance is a must. Even a business that takes every measure possible to make sure its products are safe can find itself named in a lawsuit due to damages caused by one of its products. Product liability insurance works to protect a business in such a case, with coverage available to be tailored specifically to a specific type of product.

6. Business vehicle insurance.

If company vehicles will be used, those vehicles should be fully insured to protect businesses against liability if an accident should occur. At the very least, businesses should insure against third-party injury, but comprehensive insurance will cover that vehicle in an accident, as well. If employees are using their own cars for business, their own personal insurance will cover them in the event of an accident. One major exception to this is if they are delivering goods or services for a fee. This includes delivery personnel.

7. Business interruption insurance.

If a disaster or catastrophic event does occur, a business’s operations will likely be interrupted. During this time, your business will suffer from lost income due to your staff’s inability to work in the office, manufacture products or make sales calls. This type of insurance is especially applicable to companies that require a physical location to do business, such as retail stores. Business interruption insurance compensates a business for its lost income during these events.

By having the right insurance in place, a business can avoid a major financial loss due to a lawsuit or catastrophic event. Check with your insurer to find out what forms of insurance are advised for your type of business and put those plans in place as soon as possible.

8. Commercial umbrella insurance

A commercial umbrella policy serves two distinct purposes:

  • It expands the limit that your company already has in its existing, or underlying, liability policies. If your general liability policy offers $1 million coverage per occurrence or $2 million total, you could expand those limits to $3 million per occurrence and $4 million aggregate with a $2 million umbrella policy.
  • It broadens coverage for things that your underlying policies may not cover. If your auto liability policy covers accidents that might occur in a specific area, an umbrella policy could expand the coverage territory.



 

Logo
Quick Links
Home Our Products Customer Service Payment Options Report a Claim
About Us Refer A Friend Our Carriers Blog Contact Us
Location
168 Pine Ave.
Snohomish, WA 98290


Local: 425-513-6007
Fax: 425-338-0275
Email: service@insurewithtop.com
Social Social Social Social Social Social
© Copyright. All rights reserved.
Powered by Insurance Website Builder