Business insurance, built around what you do.
The same five policies look very different for a remodeler and a SaaS company. Pick your industry to see the coverage we usually build and the gap we find most often.
Contractors & Trades
General and specialty contractors, remodelers, electricians, plumbers, landscapers.
Typically: General Liability, Commercial Auto, Workers Comp & Stop-Gap (WA)
See what we buildRestaurants & Food
Restaurants, cafes, bars, breweries, caterers, and food trucks.
Typically: Business Owners Policy, Commercial Property, General Liability
See what we buildProfessional Services
Consultants, agencies, accountants, architects, engineers, and advisors.
Typically: Professional Liability (E&O), Cyber Liability, Business Owners Policy
See what we buildTechnology & Startups
SaaS, software, IT services, and venture-backed startups.
Typically: Professional Liability (E&O), Cyber Liability, Directors & Officers
See what we buildReal Estate & Property Owners
Rental portfolios held in LLCs, small commercial and mixed-use buildings.
Typically: Commercial Property, General Liability, Commercial Umbrella
See what we buildRetail & Shops
Boutiques, specialty retail, showrooms, and ecommerce with inventory.
Typically: Business Owners Policy, General Liability, Cyber Liability
See what we buildHealth, Wellness & Personal Care
Massage therapists, salons, estheticians, therapists and counselors, personal trainers, and fitness studios.
Typically: Professional Liability (E&O), General Liability, Business Owners Policy
See what we buildNonprofits
Charities, community organizations, associations, and foundations with boards, volunteers, and donor data.
Typically: Directors & Officers, General Liability, Employment Practices Liability
See what we buildBusinesses we commonly insure
We specialize in a product shelf, not a handful of industries: business owners policies, general and professional liability, workers comp, cyber, and umbrella, placed for hundreds of kinds of small and mid-sized businesses in Idaho and Washington. A few of the families we see most often:
Professional and business services
- Accountants, CPAs, and bookkeepers
- Management and business consultants
- Marketing, advertising, and design agencies
- Architects and engineers
- Law firms (cyber, BOP, and EPLI)
- Staffing and recruiting firms
- Insurance and real estate offices
Technology and creative
- IT consultants and managed service providers
- Software and SaaS companies
- Web and app developers
- Photographers and videographers
- AV and event production
- Writers, editors, and translators
Retail and ecommerce
- Boutiques and specialty shops
- Ecommerce brands holding inventory
- Showrooms
- Gift, book, and hobby stores
Food and beverage
- Cafes and coffee shops
- Neighborhood restaurants
- Bakeries, including wholesale
- Caterers
- Food trucks
- Breweries and taprooms
Personal services
- Hair and nail salons, barbers
- Day spas and estheticians
- Pet groomers and pet sitters
- Tutors and test prep
- Dry cleaners and tailors
Fitness, wellness, and health
- Fitness, yoga, and pilates studios
- Personal trainers and instructors
- Physical therapy and wellness clinics
- Dental practices (cyber, BOP, and EPLI)
- Home health agencies (EPLI and workers comp)
Education and instruction
- Preschools and early learning centers
- Music, art, and dance instruction
- Tutoring and learning centers
Property services and real estate
- Commercial cleaning and janitorial
- Landscaping and lawn care
- Handyman and small repair services
- Property managers
- Rental portfolios held in LLCs
- Condo and homeowners associations
- Mixed-use and small commercial buildings
Contractors and trades
- Remodelers and general contractors
- Electricians and plumbers
- HVAC contractors
- Painters and finish carpenters
- Tree service companies
- Roofers (with the right markets)
Nonprofits and associations
- Nonprofits and charities (D&O, GL, and EPLI)
- Membership and trade associations
- Event venues
Every business is underwritten on its own operations, so a type on this list is a starting point, not a guarantee. Not listed? Most small and mid-sized businesses still fit. Tell us about yours.
Find out what your current policies actually cover.
Send us what you have. We review it line by line against your leases and contracts, and tell you plainly what is missing. Free, and no obligation.