Business Owners Insurance in Washington
All-in-One Protection for Your Enterprise
Insurance That Works For You
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Our Washington BOP includes optional endorsements for equipment breakdown, cyber liability, and employee dishonesty, so you can fill the gaps unique to your operations.
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We help small businesses, such as boutiques, offices, and contractors, satisfy lease and lender requirements with proof of adequate coverage.
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With decades of regional expertise from Doty Insurance and Fryer Insurance, we guide you through risk assessments, claims support, and proactive loss prevention.
Why Washington Business Owners Rely on DFG Insurance
Washington entrepreneurs face diverse perils—from winter storms that damage storefronts to slip-and-fall liability in high-foot-traffic areas. Our business owners insurance in Washington packages address these risks by covering building and contents damage, customer injuries, and revenue loss due to covered events—keeping your doors open when disaster strikes.
Small and mid-sized companies often struggle to piece together separate policies for property, liability, and interruption. A BOP from DFG Insurance streamlines coverage into one policy, reducing administrative burden and securing multi-line discounts that benefit your bottom line.
Many business owners underestimate the impact of cyber breaches or equipment failures. We offer endorsements—such as cyber liability and equipment breakdown—to extend your BOP, ensuring that data restoration costs or critical machinery repairs are not paid out of pocket.
Frequently Asked Questions
What does business owners insurance cover in Washington?
A standard BOP includes property insurance for buildings and contents, general liability for customer injuries or third-party property damage, and business interruption to replace lost income. Optional add-ons like cyber liability, equipment breakdown, and employee dishonesty can be layered on.
Which businesses qualify for a BOP?
Most small to mid-sized enterprises—such as retail stores, professional offices, restaurants, and light contractors—qualify. We evaluate your operations, revenues, and risks to determine BOP eligibility and necessary limits.
How can I lower my BOP premiums?
Implementing safety protocols, installing security systems, bundling with other lines (e.g., commercial auto insurance), and maintaining a clean claims history can yield significant savings.
What should I do after a covered loss?
Document damages with photos and receipts, notify us promptly, and we’ll coordinate claims handling—engaging adjusters, recommending repair vendors, and guiding you through business interruption claims to minimize downtime.
How do I upgrade my legacy policy from Doty or Gellor Insurance?
Simply contact our office. We’ll review your existing coverage, identify gaps, and transition you to a modern, comprehensive BOP tailored to your Washington business needs.
