What to Know Before Getting Business Insurance in King County, WA?

May 21, 2025

Business Insurance

Starting or growing a business in King County takes hard work, careful planning, and a bit of risk. No matter what business you run, having the right insurance is one of the most critical steps to protect everything you’ve built.

From slips and falls to stolen equipment, business insurance helps you stay prepared. If you’re unsure where to begin, this checklist will walk you through how to buy business insurance in King County, WA.

Step 1: Understand What You Want to Protect

Every business is different, which means your risks may be different too. Before choosing insurance, take time to look at what you want to protect. This may include:

Your building or office space
Tools, computers, or inventory
Employees and their safety
Your business income in case of downtime
Legal costs if someone claims your business

Thinking about your daily operations and common risks will help you figure out the right coverage to look for.

Step 2: Know What Types of Insurance Are Available

Business insurance is not just one policy. It comprises different coverages that work together to protect your company. Some of the most common types include:

General liability insurance helps if someone gets hurt at your business or if you damage someone else’s property
Commercial property insurance covers your physical assets, such as equipment or buildings
Workers’ compensation insurance is required if you have employees in Washington and helps cover work injuries
Business interruption insurance enables you to recover lost income if you need to stop operations after a covered event
Professional liability insurance protects against claims of mistakes or poor work
Commercial auto insurance is required if your business uses vehicles

Each policy type plays a role in protecting different parts of your company.

Step 3: Check What the State of Washington Requires

Some kinds of insurance are required by law. For example, if your business has employees, Washington State requires you to carry workers’ compensation insurance. If you use vehicles for work, you will need commercial auto insurance.

Ensuring your business meets state rules is a smart way to avoid fines or legal issues later.

Step 4: Think About Your Employees and Customers

Buying business insurance in King County helps people think beyond buildings and tools. Ask yourself:

Do I have staff who could get hurt on the job?
Do customers visit my store, office, or worksite?
Do I provide services where mistakes could cause harm?

These questions can guide you toward the right policies to protect the people your business depends on.

Step 5: List Everything You Own That Has Value

Your business may rely on many items, from delivery trucks to office printers, to function correctly. Make a list of equipment, tools, furniture, and supplies. This helps make sure you don’t miss anything that should be covered under a property insurance policy.

Also, consider where your items are stored. If you have tools in a truck or laptops that leave the office, your policy may need to include mobile coverage, too.

Step 6: Think About Your Future Business Plans

Are you planning to grow your team, expand your services, or open a second location? Your insurance should be flexible enough to grow with you. When choosing policies, look for coverage that fits your current setup and leaves room for change.

Small changes like hiring a new employee or adding a delivery van can affect your coverage needs.

Protect Your Business the Right Way with Humble Insurance Group

Whether you’re just starting or looking to improve your coverage, now is a great time to take the first step. At Humble Insurance Group, we make it easy to understand how to buy business insurance in King County, WA.

We’re based in the community and know the unique needs of local business owners. Our team is ready to help you build a strong plan that fits your business from day one; contact us today at (425) 226-8221.