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Hart Insurance Agency

1230 S 336th St,
Federal Way, WA 98003

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What Does Commercial Insurance Cover?

Businesses large and small have exposures that can cripple them financially, making it important to mitigate risks using commercial insurance. This policy provides different protections depending on a company’s location and the insurance provider. Some common areas of coverage and their significance to ongoing operations are listed below.

Business Loss

Commercial insurance generally protects companies from losses associated with specific types of property damage, misappropriation of assets, accidents and business interruptions, among other types of financially challenging situations. The insurance is designed to minimize the losses companies incur, allowing businesses to recover and continue operations. Given the complex operating environments for all types of businesses, insurance coverage is a necessity.  

Common risks covered by commercial insurance include:


-General Liability

-Worker Injury

-Property Damage

Who Needs Coverage?

Most businesses benefit from carrying commercial insurance, even if the business is being run out of the owner’s home. It’s important to consult with a qualified commercial insurance agent to get an idea of coverage options, given one’s business type and potential threats. Even small businesses are susceptible to lawsuits and claims. An owner’s personal assets may be at stake if the business doesn’t have liability protection because it’s a sole proprietorship or a general partnership.

For home-based businesses, many insurance providers offer a rider option for regular homeowner policies. This adds an extra layer of coverage that will help owners sleep a little easier at night because they have a hedge against financial ruin.

For additional information on commercial insurance in Federal Way, WA, please contact Hart Insurance. Businesses have inherent risks that need mitigation. Commercial insurance has the power to protect companies from financial ruin attributable to routine operations. 

Servicing States

  • Washington


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