Protect your business vehicles with a Washington commercial auto policy
Many of Washington's 644,000 small businesses need commercial auto insurance to protect from accidents and other incidents that involve their work vehicles. Commercial vehicles are typically exposed to more risk than personal autos and often require a policy with specialized coverages and limits.
Hundreds of thousands of small business owners across the nation trust us to protect their work vehicles and livelihoods. Each gets customized coverage to match their unique needs, whether they own a consulting business in Spokane or a catering business in Seattle.
Commercial auto coverage for a variety of business types:
Washington commercial auto insurance cost
Several factors affect the cost of your Washington commercial auto policy, including your:
Profession
Some industries have more risk than others. A carpenter who carries tools and equipment to various job sites every day can expect to pay more than an IT specialist who runs occasional errands.
Vehicle
Your vehicle's size and use affect your rate. A large logging truck will likely have a higher premium than a small produce truck.
Driving history
Your commercial auto insurance carrier will run a motor vehicle report on all drivers with access to your business vehicles. Drivers with accidents or violations on their driving record will usually cause your rate to increase. You can expect your insurance company to take the past three years of driving history into account.
Location
It's common to pay more for commercial auto coverage in a large city like Seattle than in a smaller city like Olympia. Keep in mind, prices are usually higher in locations that experience more claims or more expensive settlements than other locations. Areas susceptible to weather-related events, such as earthquakes, floods and wildfires, are also factors.
Travel radius
The distance you routinely travel can influence your commercial auto rate. A vehicle with a local route within Kent's city limits is considered lower risk than a vehicle with a regional route that covers the greater Seattle metropolitan area.
Coverage needs
The amount of coverage you need affects your premium. Policyholders with the Washington state minimum limits of 25/50/10 will pay less than a policyholder needing a combined single limit of $1M.
Washington commercial auto insurance requirements
Washington state law requires all commercial auto policies to have a minimum liability limit of $25,000 per person, $50,000 per accident for bodily injury and $10,000 for property damage (i.e., 25/50/10). Some policies are required to carry higher limits based on the types of vehicles they insure.
While other coverages like uninsured motorist (UM) and personal injury protection (PIP) aren't legally required, you should still consider them to help pay for the injuries of you and your passengers. You must reject these coverages in writing if you choose not to carry them.
Washington commercial auto resources:
Common professions that need commercial auto insurance in WA:
Browse more examples of professions we insure.
Commercial auto insurance anywhere in Washington
We offer Washington commercial auto insurance statewide, including these major cities:
- Seattle
- Kent
- Tacoma
- Bellevue
- Renton
- Spokane
- Everett
- Vancouver
- Spokane Valley
- Federal Way
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