Insurance | First Underwriters Insurance Brokers

Insurance That Protects What Matters Most

Your Independent Insurance Broker in the Pacific Northwest

Personal. Commercial. Benefits. All under one roof since 1992.

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Protecting Families & Businesses Across the Pacific Northwest for 33 Years

Why Insurance Matters

Insurance isn't just a policy—it's a promise. A promise that when life takes an unexpected turn, you won't face it alone.

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Financial Protection

A single accident, lawsuit, or natural disaster can devastate your finances. Insurance transfers that risk to carriers with the resources to absorb it, protecting your savings, your home, and your future.

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Family Security

Your family depends on you. Life insurance, health coverage, and disability protection ensure they're cared for even if you can't be there—providing income replacement, medical care, and long-term stability.

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Business Continuity

Years of hard work building your business can vanish in an instant. Commercial insurance protects against liability claims, property damage, employee injuries, and operational disruptions.

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Legal Compliance

Many insurance coverages aren't optional—they're required by law. Auto liability, workers compensation, and professional liability keep you compliant and protect against regulatory penalties.

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Peace of Mind

Knowing you're protected lets you focus on living your life and growing your business. Insurance removes the constant worry of "what if?" so you can move forward with confidence.

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Access to Expertise

Working with an insurance professional means having an advocate in your corner—someone who understands complex policies, negotiates on your behalf, and guides you through claims.

Our Insurance Solutions

From protecting your family to safeguarding your business and employees, we offer comprehensive coverage tailored to your unique needs.

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Personal Insurance

Protect your family, your home, and your most valuable assets with coverage designed for your lifestyle.

  • Home & Property Insurance
  • Auto & Vehicle Insurance
  • Umbrella/Excess Liability
  • Boat & Yacht Insurance
  • Valuable Collections Coverage
  • Life & Disability Insurance
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Commercial Insurance

Comprehensive protection for businesses of all sizes—from startups to established enterprises across every industry.

  • General Liability Insurance
  • Commercial Property Coverage
  • Workers Compensation
  • Commercial Auto Insurance
  • Professional Liability (E&O)
  • Cyber Liability Protection
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Employee Benefits

Attract and retain top talent with competitive benefits packages that show your employees you value them.

  • Group Health Insurance
  • Dental & Vision Plans
  • Group Life Insurance
  • Short & Long-Term Disability
  • 401(k) & Retirement Plans
  • Voluntary Benefits
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Captive Agent vs. Independent Broker

Not all insurance professionals are created equal. Understanding the difference between a captive agent and an independent broker can save you thousands of dollars and ensure you get the coverage you actually need.

Captive Agent

Works for one insurance company

  • Represents a single carrier (State Farm, Allstate, Farmers, etc.)
  • Can only offer that company's products and pricing
  • Limited options if your needs don't fit their offerings
  • Loyalty is to the insurance company, not you
  • May push products that benefit the carrier
  • If rates increase, your only option is to accept or leave
  • Limited flexibility for complex or unique risks

Independent Broker

Works for YOU, the client

  • Represents dozens of top-rated insurance carriers
  • Shops your coverage across multiple companies
  • Finds the best coverage at the most competitive price
  • Fiduciary duty to act in YOUR best interest
  • Recommends products based on your needs, not carrier quotas
  • Can move your coverage if rates become uncompetitive
  • Expertise in complex, hard-to-place, and specialty risks

Why First Underwriters?

33 Years of Pacific Northwest Expertise

Since 1992, we've protected families and businesses across Washington, Oregon, and beyond. We understand local regulations, regional risks, and the unique needs of our community.

Truly Independent

We're not owned by or beholden to any insurance company. We represent YOU, shopping your coverage across dozens of A+ rated carriers to find the best protection at the best price.

Comprehensive Solutions

Personal, commercial, and employee benefits—all under one roof. One advisor who understands your complete picture can identify coverage gaps and bundling opportunities others miss.

Specialty Risk Expertise

Construction, transportation, manufacturing, care facilities—we specialize in industries that other agencies avoid. Hard-to-place risks are our specialty.

Claims Advocacy

When you have a claim, we go to bat for you. We manage the process, communicate with adjusters, and fight to ensure you receive every dollar you're entitled to.

Relationship-Focused Service

You're not a policy number to us. You'll work with real people who know your name, understand your situation, and are available when you need them—not a call center.

How We Work Together

Getting properly insured shouldn't be complicated. Our straightforward process ensures you get the right coverage without the hassle.

1

Discovery

We start by listening. Understanding your assets, your risks, your concerns, and your goals allows us to tailor recommendations specifically for you.

2

Market

We shop your coverage across our network of carriers, comparing options to find the optimal combination of coverage, service, and price.

3

Recommend

We present clear options with honest advice—explaining what each policy covers, what it doesn't, and which option best fits your situation.

4

Implement

We handle the paperwork, coordinate with carriers, and ensure your coverage is in place correctly—making the process seamless for you.

5

Support

Our relationship doesn't end at the sale. We're here for claims, questions, policy changes, and annual reviews to keep your coverage current.

Ready to Experience the Difference?

Discover what it's like to work with an independent broker who puts your interests first. Let's review your coverage and find opportunities to better protect what matters most.

Call (425) 242-5357

Or email us at info@firstunderwriters.com