General Liability in Washington
Covers bodily injury and property damage a business causes to third parties. Frequently required by contract before you can work.
What is different in Washington
The Cascadia subduction zone makes earthquake the largest uninsured exposure in the state — it is excluded from homeowners policies, written separately, and carries percentage deductibles that surprise people. Eastern Washington wildfire and western Washington riverine flooding are both significant and both need separate placement.
Exposures that shape pricing here
- earthquake
- wildfire
- flood
- winter storm
- landslide
Agents and local rules in Washington
General Liability reading
- Buying guidesHow to choose an insurance agentAnyone can quote you a price. The differences that matter are who the agent represents, how they are paid, and what they write down.Aug 2026 · 6 min read
- Coverage explainedAuto insurance explained: what each coverage actually pays forAn auto policy is six separate coverages sold as one product. Most of them have nothing to do with your car. Here is what each one does.Aug 2026 · 8 min read
- Coverage explainedHomeowners insurance explained: the six parts of the policyA home policy is six coverages, and the first one silently sets the size of three others. Here is how the structure works and where it goes wrong.Aug 2026 · 7 min read
- Coverage explainedFlood insurance explainedA separate policy for the peril your home policy excludes. What it covers, what it does not, and the waiting period that catches people out.Aug 2026 · 5 min read