A Small Business Insurance Company Answers Common Questions

Choosing the right small business insurance company in Marysville is crucial for protecting your business. Here are answers to three common questions about small business insurance in Washington state.

Do Freelancers or Independent Contractors Need Business Insurance?

Yes, freelancers and independent contractors should consider business insurance. While it may not be legally required, it provides crucial protection. Business insurance can cover legal fees, damages, and potential losses if a client sues you for negligence or breach of contract. Additionally, having insurance can enhance your credibility with clients and set you apart from competitors.

What Are the Average Coverage Costs for Small Businesses?

The cost of small business insurance varies depending on several factors, including the type of coverage and the size of your business. On average, small businesses in Washington state might expect to pay:

General Liability Insurance: $400-$600 per year
Professional Liability Insurance: $500-$1,000 per year
Commercial Property Insurance: $750-$2,000 per year
Business Owner’s Policy (BOP): $1,200-$2,500 per year

These figures are estimates, and actual costs can vary based on specific business needs and risks.

What Factors Drive the Price of Business Insurance Premiums?

Several factors influence the cost of business insurance premiums, including:

Industry Type: Higher-risk industries, such as construction, tend to have higher premiums.
Business Size: Larger businesses with more employees and higher revenue usually pay more for coverage.
Claims History: A history of claims can increase your premiums.
Coverage Amount: Higher coverage limits and lower deductibles raise premium costs.
Location: Businesses in areas prone to natural disasters or with higher crime rates may face higher premiums.

For a reliable small business insurance company in Marysville, trust American Insure-All®. We offer personalized insurance policies tailored to your business needs. Call us today at (888) 411-2886 to get started.

When our previous insurance provider decided to make a change in our career we were a little anxious. We had become accustomed to being on a first-name basis and getting quick responses to our requests. Little did we know at the time we had nothing to worry about as American Insure-All has more than met our previous expectations. Don and his team have been quick to respond to our needs and provide us with the peace of mind that we were looking for in a provider.

Andy Omsen

We switched to American Insure-All many years ago and Don has always taken great care of all our needs. He has always been honest, fair, and very timely with each policy request. American Insure-All is a pleasure to deal with and we highly recommend them.

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I highly recommend this agency for any insurance policy you may need. Don was very helpful with my new policies with American Insure-All. He saved me about $200 per month. The insurance company I was previously with was super expensive. The best thing I ever did was switch to American Insure-All.

Yannie Villavicencio

I can't say enough about American Insure-All and the services they have provided both myself and my referred clients over the past decades. As a real estate broker for over 30 years, I utilize many vendors and service companies, but the people at American Insure-All are at the top of our list. The level of trust they have earned from us is second to none. They are incredibly responsive to our client's needs but more importantly, we can trust the council that they offer our clients.

Shriram Dholpur

We have been working with Don for about 15 years and won't even consider making any changes. He's been super responsive and it's always a pleasure to work with him whether we have a question or need to update a policy, etc.

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