Coverage built around how your business actually works
We compare options across the market for contractors, trucking fleets, manufacturers, property owners and families — including the risks standard carriers decline — then stay with you through renewals and claims.
Most quotes are back within 24–48 hours.
What would you like to protect?
Pick a path and we'll take you to the coverage and the right quote form.
Business insurance
General liability, property, commercial auto, workers' compensation, cyber and specialty programs for your industry.
General LiabilityWorkers' CompCommercial AutoFor you and your familyPersonal insurance
Home, auto, umbrella, boat and life coverage — and private-client programs for higher-value homes and collections.
HomeAutoUmbrellaSpecialists in the risks that need a closer look
Some businesses fit a standard policy. Many don't. These are the industries we place every day.
Construction
General contractors, subs, trades and developers — project to completed operations.
Learn more →Trucking & transport
Local and long-haul, for-hire, cargo and motor-carrier filings.
Learn more →Manufacturing
Property, product liability, equipment and business income.
Learn more →Apartment buildings
Apartments, condos, HOAs and property managers.
Learn more →Electrical contractors
Tools, completed operations, contractor liability and bonds.
Learn more →Healthcare practices
Professional liability, property and cyber for clinics and providers.
Learn more →Retail
Business owners policies, liability, inventory and loss of income.
Learn more →Auto & powersport dealers
Garage liability, dealer open lot, F&I and EPLI.
Learn more →Beyond the standard policy
Complex risks often need markets and coverage forms that most agencies don't use day to day.
Builder's risk
Coverage during construction, from ground-up to renovation.
Learn more →Surety bonds
License, bid, performance and payment bonds.
Learn more →Equipment breakdown
Machinery, HVAC and electrical systems.
Learn more →Cargo & motor truck
Goods in transit and trucking liability.
Learn more →Environmental liability
Pollution, contamination and cleanup costs.
Learn more →Technology E&O
Tech services, software and data breach.
Learn more →Medical malpractice
Physicians, clinics and allied health professionals.
Learn more →Cyber liability
Breach response, ransomware and business interruption.
Learn more →What working with us looks like
The policy is the product. The service around it is where the difference shows up.
Market access
As a broker, we compare options across standard, specialty and surplus-lines carriers.
- Side-by-side carrier comparisons
- Specialty markets for hard-to-place risks
- Negotiated terms at renewal
Risk analysis
Before we quote, we learn how the business runs, then build coverage around it.
- Coverage gap reviews
- Contract insurance requirements
- Loss control recommendations
Claims support
When something happens, we work alongside you and the adjuster through to settlement.
- Help reporting and documenting
- Direct contact with adjusters
- Follow-through to close
Certificates
We handle certificates and endorsements so you can keep bidding and working.
- Same-day certificates
- Additional insured endorsements
- Waivers and primary wording
Annual reviews
Businesses change. We review exposures and re-market when it makes sense.
- Pre-renewal review
- Exposure and audit updates
- Coverage adjustments
One team
You work with the same people who know your account — by phone, email or in person.
- A dedicated account manager
- Direct lines, quick answers
- Proactive check-ins
From first call to bound coverage
Discovery call
A short conversation about your business, your exposures and what you have today.
Market review
We take your account to the carriers that fit it and gather terms.
Recommendation
Options side by side, in plain language, with what each one does and doesn't cover.
Bind and service
We handle the paperwork, then stay with you for certificates, changes, claims and renewals.
A Kirkland brokerage with a national reach
We're headquartered on Lake Washington Boulevard and place coverage for clients across the country — with the same team answering the phone year after year.
About First UnderwritersWhat business owners tell us
“After 15 years with a large agency, I thought my coverage was solid. First Underwriters found gaps I didn't know about and saved us $18,000 a year while closing them.”
“When we had a major claim, they were with us at every step and made sure it was handled fairly, so I could keep running the business.”
“Three other brokers told us our manufacturing operation couldn't be placed. First Underwriters found the right market.”
Ready for a second look at your coverage?
Tell us about your business or household. Most quotes come back within 24–48 hours, with no obligation.