Best General Liability Insurance in Washington (2025)

Our analysis of the best general liability insurance companies in Washington takes into account cost, customer satisfaction and online quote processing times. We ranked Nationwide as the best in this category. Its average cost for limited liability companies (LLCs) with 20 employees is $58 per month, and sole proprietors with no employees need to pay an average of $38 per month.

Overall, the cheapest general liability insurance in Washington comes from Next. While LLCs with 20 employees may pay an average of $41 per month, the average cost for sole proprietors with no employees stands at $25 per month.

Our experts selected Nationwide as the best general liability insurance provider in Washington, receiving a score of 90 out of 100. The following table includes all the insurers in Washington that provide general liability insurance, and our analysis of these companies helps shed light on their rankings and costs.

Next provides the cheapest overall general liability insurance in Washington. Its average cost for LLCs with 20 employees is $41 per month. For sole proprietors with no employees, the average cost is $25 per month.

We ranked insurers based on affordability scores that use a combination of monthly costs for LLCs and sole proprietors, giving both parameters equal weightage (50% each). The cheapest overall company may not provide the most affordable insurance for LLCs and sole proprietors.

Nationwide provides the best general liability insurance for employers in Washington, earning a MoneyGeek score of 96 out of 100. We based our rankings on average monthly costs for LLCs with 20 employees. The average cost of getting general liability insurance for an LLC from Nationwide is $58 per month.

How much you pay for general liability insurance depends on the number of employees you have. Companies with more employees will have higher rates, while those with fewer will pay less.

biBERK provides the best general liability insurance for sole proprietors in Washington. It received a MoneyGeek score of 97 out of 100. Our rankings take into account costs for sole proprietors with no employees. If you select biBERK, expect to pay an average of $23 per month. Costs tend to be higher for those to work in risky industries such as construction, manufacturing and transportation.

There is no legal requirement to get general liability insurance as a business owner in Washington. However, you may consider purchasing it because it offers protection from financial losses you might face due to claims or lawsuits surrounding third-party bodily injury, third-party property damage and other scenarios. You may need to get this type of business insurance to sign a lease, obtain a specific license or win a particular contract.

The state of Washington requires most businesses to have workers’ compensation insurance no matter how many employees they have. If your business has company-owned vehicles, getting commercial auto insurance is necessary, and you need to account for these minimum limits:

• $25,000 per person
• $50,000 per accident for bodily injury
• $10,000 for property damage

The average cost of getting general liability insurance in Washington for an LLC with 20 employees is $81 per month. For sole proprietors with no employees, the average cost stands at $28 per month.

These averages are for policies that have a $2 million aggregate limit, a $1 million occurrence limit and a $0 deductible.

The aggregate limit denotes the maximum amount an insurance company might pay toward claims through the entire course of a policy’s term. The occurrence limit is the maximum an insurer might pay toward each claim. The deductible highlights the amount you need to pay on your own before your insurer starts contributing.

The cost of getting general liability insurance for an LLC or for a sole proprietorship depends on different factors.

Looking at answers to some commonly asked questions about general liability insurance in Washington might enable you to make an appropriate decision about your insurance needs for your business.