A single lawsuit, fire, injury, or data breach can undo years of work. As an independent broker we compare 50+ A-rated carriers to build a complete program — foundation coverages plus the specialty lines that close the gaps a cookie-cutter policy leaves wide open.
Independent broker · 50+ A-rated carriers · Same-day certificates & contract review
Commercial insurance protects your business from the risks that can undo it — lawsuits, property loss, employee injuries, cyber attacks, and more. Because business is complex, coverage has to be built around your specific operations, industry exposures, and contractual obligations. As an independent broker, First Underwriters compares 50+ A-rated carriers to assemble a complete program for Pacific Northwest businesses — from foundation policies like general liability and property to specialty lines like cyber, professional liability, and surety bonds.
Tell us your business type and how you operate. We'll map your core program and the specialty lines worth considering — instantly.
Choose what fits best — the plan updates as you go.
Educational guidance only — your actual program depends on your operations, contracts, and exposures. We'll confirm the right structure with you.
Filter by category or search by name to understand what each policy does — and jump to its page for the full breakdown.
Pick your industry to see the coverages that matter most — the ones we build into programs for businesses like yours.
Even "comprehensive" programs have them. Here are the most common — and how we close each one.
Many businesses carry only the minimum limits a lease or single contract requires — often $1M. A serious injury, product claim, or lawsuit can easily exceed that, putting business and even owner personal assets at risk.
Businesses often assume general liability or property covers cyber incidents — it doesn't. Data breaches, ransomware, and business-email compromise are excluded from standard policies, and small and mid-sized businesses are frequent targets.
Harassment, discrimination, and wrongful-termination claims are among the fastest-growing areas of business litigation — and general liability excludes them entirely. Defense costs alone routinely run into six figures.
Construction and replacement costs have jumped, but many property policies haven't kept pace. Underinsured buildings or equipment mean inadequate claim payments — or coinsurance penalties that cut your payout further.
Many policies cap business income at 12 months or an arbitrary dollar figure. If recovery takes longer — permit delays, supply-chain issues, long equipment lead times — you can run out of coverage before you're back in business.
Businesses sign contracts with insurance requirements they don't actually meet — specific coverages, minimum limits, or additional-insured status. That can void protection when you need it and expose you to breach-of-contract claims.
Most businesses start with general liability, commercial property (or a BOP that bundles both), workers' compensation if they have employees, and commercial auto if they own or use vehicles. From there, add-ons like cyber, professional liability (E&O), commercial umbrella, and management liability (D&O/EPLI) address exposures specific to your operation. Our Navigator above maps a starting point in seconds.
A Business Owners Policy bundles general liability and property into one cost-effective package for small to mid-sized businesses with straightforward operations. Larger or more complex businesses usually need individually tailored liability and property policies, plus specialty coverages a BOP doesn't include.
Cost depends on your industry, revenue, payroll, property values, claims history, limits, and which policies you carry. Because we're an independent broker with 50+ carriers, we compare multiple markets to find competitive pricing for your specific risk rather than quoting a single company.
An independent broker works for you, not one insurer. We shop 50+ carriers, spot gaps before a claim finds them, review your contracts and certificate requirements, and advocate for you at claim time. Since 1992 we've built commercial programs across construction, manufacturing, hospitality, technology, healthcare, and professional services. Request a review →
We analyze your entire operation — not just checkboxes on an application — to find the exposures and contract requirements a standard quote misses.
From standard markets to specialty carriers, we access options single-company agents can't. Competition among carriers works in your favor.
When a claim happens we're in your corner — documenting the loss, working the adjuster, and pushing for a fair outcome. We don't disappear after the sale.
Discover gaps you didn't know existed and opportunities to better protect your business. Our complimentary review examines your entire commercial program — foundation through specialty lines.
Prefer email? Reach us at info@firstunderwriters.com · Complimentary review · No obligation
Coverage descriptions are general summaries for education and are not a statement of coverage, an offer, or a binder. Availability, eligibility, terms, limits, and pricing vary by business, industry, exposure, and carrier and are subject to underwriting. Premium and cost figures shown are illustrative only. First Underwriters Insurance Brokers · Kirkland, WA · (425) 242-5357.
