A commercial quote built around your business
One work truck or a hundred employees, a storefront or a job site — your risks are specific, so your program should be too. As a broker, we compare options across 50+ A-rated carriers and shape coverage around how you work.
Same-day certificates and contract review
Start with a form for your industry
Our industry forms ask the questions underwriters need for your type of operation. Don't see yours? Use the general request below.
Contractors
General contractors and trades, from roofing to electrical.
ConstructionRoofingElectricalHVAC and plumbingTransportationTrucking and fleets
For-hire trucking, towing, limousine and paratransit operations.
Commercial autoTow trucksCargoParatransitManufacturingManufacturers
Product makers, fabricators and pallet manufacturers.
Pallet manufacturingEquipmentHospitalityRestaurants and hotels
Restaurants, bars, breweries, wineries and lodging.
HotelsLiquor liabilityBreweriesProfessionalProfessional and technology firms
Consultants, technology companies and management liability.
TechnologyCyberManagement liabilityHealthcareHealthcare and care homes
Healthcare professionals, adult family homes and non-profits.
Adult family homesMedical malpracticeNon-profit human servicesTell us how your business runs
Choose what's true for your operation and we'll map the coverages to quote. A starting map, not a policy — we'll confirm it with you.
Your operation
Select everything that applies.
Coverage that typically applies
4 coverages — a starting point for a conversation, not a quote.
- General LiabilityThird-party injury, property damage and completed operations — the cornerstone.
- Commercial Property / BOPBuildings, equipment and inventory, plus business income.
- Workers' CompensationRequired in Washington for employees — medical and wage replacement.
- Employment Practices (EPLI)Harassment, discrimination and wrongful-termination claims.
What each policy does
Plain-language explainers, including the gap most businesses miss.
General liability
Third-party bodily injury and property damage from your operations, premises and products — what most leases, contracts and licenses require. It won't cover your own property, employee injuries or professional mistakes.
- Premises and operations
- Products and completed operations
- Personal and advertising injury
- Defense costs
Property and BOP
Buildings, equipment, inventory and tenant improvements, plus lost income while you recover. A BOP bundles property with general liability for smaller businesses. Out-of-date values can trigger a coinsurance penalty at claim time.
- Building and business personal property
- Business income and extra expense
- Equipment breakdown options
- Tenant improvements
Workers' compensation
Required in Washington for employees and run through the state fund (L&I). It pays medical and wage-replacement benefits, but the state fund doesn't defend you against injury lawsuits — stop-gap employers liability fills that.
- Medical and wage-replacement benefits
- Disability and vocational benefits
- Employer protection
- Stop-gap employers liability
Commercial auto
Owned trucks and vans, plus hired and non-owned autos when employees drive on your behalf. Employees running errands in personal cars can pull you into a claim; hired and non-owned coverage closes that gap.
- Liability for injury and damage
- Collision and comprehensive
- Hired and non-owned auto
- Cargo options
Cyber liability
Breach response and notification, ransomware, business interruption and liability to affected customers. General liability and property policies generally don't cover a breach, and small businesses are frequent targets.
- Breach response and notification
- Ransomware and extortion
- Business interruption
- Third-party liability
Commercial umbrella
A layer above general liability, commercial auto and employers liability that takes over when a large claim exhausts those limits. Often required by contracts, and an affordable hedge against a single serious claim.
- Excess over GL, auto and EL
- Higher limits for large claims
- Sometimes broader than primary
- Frequently contract-required
Request your commercial quote
Tell us about your business and we'll compare carriers and prepare your options. We follow up within one business day.
- Foundation and specialty lines in one program
- Contract and certificate review
- No obligation
Have current declarations pages or loss runs? You can email them to info@firstunderwriters.com after you submit.
Coverage descriptions are general summaries for education. They are not legal, tax or coverage advice, a statement of coverage, an offer or a binder. Coverage, limits and eligibility are governed by the terms, conditions and exclusions of the policies issued and are subject to underwriting. The coverage builder is a starting point for discussion, not a quote or coverage determination.