400x220px Risk Management
December 15, 2024
Understanding Experience Modification Rates: A Contractor's Guide
How your EMR impacts Workers Compensation premiums and what you can do to lower it over time.
Read More →Seattle's Premier Commercial Insurance Brokerage
Independent commercial insurance specialists serving contractors, manufacturers, and high-risk industries across the Pacific Northwest.
Expert Coverage for Complex Risks
33+ years of experience insuring high-risk operations. We understand your business and the unique challenges you face.
Your Advocate in the Insurance Market
We represent you, not the insurance companies. Our job is to find the best coverage at the most competitive rates.
Who We Are
First Underwriters Insurance Brokers is an independent commercial insurance brokerage established in 1992. We specialize in protecting businesses that face unique and complex risks—from construction contractors to manufacturers to transportation companies.
As independent brokers, we work for you, not the insurance companies. Our mission is to find the right coverage at the best price while providing the expert guidance your business deserves.
Practice Areas
Deep expertise in high-risk and specialized industries that require more than a standard insurance policy.
Complete coverage for general contractors, subcontractors, and specialty trades including GL, WC, Builders Risk, and bonding.
Learn More →Specialized programs for manufacturers including product liability, equipment breakdown, and business interruption coverage.
Learn More →Fleet auto, cargo, motor truck cargo, and comprehensive coverage for trucking companies and logistics operations.
Learn More →Coverage for apartment complexes, HOAs, commercial properties, and real estate developers and investors.
Learn More →Restaurants, bars, hotels, and entertainment venues with liquor liability, assault & battery, and event coverage.
Learn More →Tech E&O, cyber liability, D&O, and comprehensive coverage for software, SaaS, and technology service providers.
Learn More →D&O liability, volunteer coverage, special events, and comprehensive programs for non-profits and human services.
Learn More →Group health, dental, vision, life, disability, and 401(k) plans to help you attract and retain top talent.
Learn More →Why First Underwriters
What sets us apart from captive agents and direct writers.
We represent you, not insurance companies. We shop 50+ carriers to find the best coverage at competitive rates—no conflicts of interest.
33+ years specializing in construction, manufacturing, and high-risk industries. We understand your operations, risks, and coverage needs.
We don't just find coverage—we actively work to reduce your total cost of risk through Experience Mod management and loss control programs.
When you have a claim, we're in your corner. We advocate aggressively with carriers to ensure fair treatment and prompt payment.
Same-day certificates, rapid quotes, and responsive service. We understand that your business doesn't wait—and neither do we.
98% client retention rate. We build lasting relationships focused on your growth and protection over time, not just this year's premium.
Insights & Resources
Expert perspectives on insurance, risk management, and protecting your business.
December 15, 2024
How your EMR impacts Workers Compensation premiums and what you can do to lower it over time.
Read More →December 8, 2024
Why proper subcontractor insurance verification can save you millions in claims and litigation costs.
Read More →November 28, 2024
What contractors and manufacturers should expect from the insurance market in the coming year.
Read More →Get a comprehensive insurance review from Seattle's commercial insurance specialists. No obligation, no pressure—just expert guidance.