First Underwriters Insurance Brokers | Commercial Insurance Specialists Since 1992
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Seattle's Premier Commercial Insurance Brokerage

Protecting Your Business Since 1992

Independent commercial insurance specialists serving contractors, manufacturers, and high-risk industries across the Pacific Northwest.

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Expert Coverage for Complex Risks

Construction & Manufacturing Specialists

33+ years of experience insuring high-risk operations. We understand your business and the unique challenges you face.

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Your Advocate in the Insurance Market

Independent Brokers Working for You

We represent you, not the insurance companies. Our job is to find the best coverage at the most competitive rates.

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33+
Years Experience
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500+
Businesses Protected
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50+
Carrier Partners
98%
Client Retention

Who We Are

Seattle's Trusted Commercial Insurance Partner

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.

Michael Oknowsky
Co-Founder & Principal
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1992
Established in Seattle

Practice Areas

Industries We Serve

Deep expertise in high-risk and specialized industries that require more than a standard insurance policy.

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Construction & Contractors

Complete coverage for general contractors, subcontractors, and specialty trades including GL, WC, Builders Risk, and bonding.

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Manufacturing & Production

Specialized programs for manufacturers including product liability, equipment breakdown, and business interruption coverage.

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Transportation & Logistics

Fleet auto, cargo, motor truck cargo, and comprehensive coverage for trucking companies and logistics operations.

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Real Estate & Property

Coverage for apartment complexes, HOAs, commercial properties, and real estate developers and investors.

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Hospitality & Entertainment

Restaurants, bars, hotels, and entertainment venues with liquor liability, assault & battery, and event coverage.

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Technology Companies

Tech E&O, cyber liability, D&O, and comprehensive coverage for software, SaaS, and technology service providers.

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Non-Profit Organizations

D&O liability, volunteer coverage, special events, and comprehensive programs for non-profits and human services.

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Employee Benefits

Group health, dental, vision, life, disability, and 401(k) plans to help you attract and retain top talent.

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Why First Underwriters

The Independent Advantage

What sets us apart from captive agents and direct writers.

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Independent & Objective

We represent you, not insurance companies. We shop 50+ carriers to find the best coverage at competitive rates—no conflicts of interest.

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Industry Expertise

33+ years specializing in construction, manufacturing, and high-risk industries. We understand your operations, risks, and coverage needs.

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Cost Reduction Focus

We don't just find coverage—we actively work to reduce your total cost of risk through Experience Mod management and loss control programs.

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Claims Advocacy

When you have a claim, we're in your corner. We advocate aggressively with carriers to ensure fair treatment and prompt payment.

Fast Response

Same-day certificates, rapid quotes, and responsive service. We understand that your business doesn't wait—and neither do we.

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Long-Term Partnership

98% client retention rate. We build lasting relationships focused on your growth and protection over time, not just this year's premium.

Insights & Resources

Industry Knowledge

Expert perspectives on insurance, risk management, and protecting your business.

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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.

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December 8, 2024

Subcontractor Insurance Requirements: Protecting Your Business

Why proper subcontractor insurance verification can save you millions in claims and litigation costs.

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November 28, 2024

2025 Commercial Insurance Market Outlook for Pacific Northwest

What contractors and manufacturers should expect from the insurance market in the coming year.

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Ready to Protect Your Business?

Get a comprehensive insurance review from Seattle's commercial insurance specialists. No obligation, no pressure—just expert guidance.

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Call us directly
(425) 242-5357