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.

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Best Overall General Liability Insurance in Washington

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.

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Cheapest General Liability Insurance in Washington

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.

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Best General Liability Insurance for Employers in Washington

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.

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Best General Liability Insurance for Sole Proprietors in Washington

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.

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Do You Need General Liability Insurance in Washington?

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
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SMALL BUSINESS RESOURCES IN WASHINGTON

The state of Washington provides various resources for small businesses. The Small Business Guide offers advice surrounding planning and starting your business, handling payroll, optimizing business growth as well as getting business loans.

How Much Is General Liability Insurance in Washington?

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.

Factors That Impact General Liability Insurance Costs in Washington

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

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Frequently Asked Questions About General Liability Insurance in Washington

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.

Nationwide provides the best general liability insurance in Washington. It has the second cheapest general liability insurance for LLCs with 20 employees, ranks as the best for customer satisfaction and is among the more financially stable insurers. Ultimately, the best insurance for you depends on the size of your business, the number of employees you have and your coverage requirements.

Next provides the cheapest general liability insurance in Washington. It is the most affordable for LLCs with 20 employees and the third cheapest for sole proprietors with no employees. It also ranks well for online quote processing times. The cheapest insurance for you may depend on the number of employees you have and the location of your business.

If you get general liability insurance in Washington, you may receive financial protection for claims and lawsuits that result because of third-party bodily injuries, third-party property damage, advertising injuries, slander and defamation. Damage to your own property, employee injuries, professional errors and auto accidents that you or your employees may cause do not fall under the protection of general liability insurance.

There is no legal requirement for businesses in Washington to get general liability insurance. However, most businesses, no matter how many employees they have, need to have workers’ compensation insurance.

About Melissa Wylie


Melissa Wylie headshot

Melissa Wylie is a Content and SEO Manager at MoneyGeek. Melissa has worked in the financial content space since 2018 and has spent much of that time focused on all things small business.

Prior to joining MoneyGeek, Melissa held SEO positions at Bankrate and LendingTree. Melissa’s work has also appeared on LendingTree-owned websites ValuePenguin and MagnifyMoney.

Melissa began her career at American City Business Journals in 2015 as a reporter for the company’s women-focused publication Bizwomen. Melissa has a Bachelor of Arts in Journalism from the University of North Texas. Melissa relies on her foundation in journalism to craft content that simplifies complex financial topics to help everyone feel confident when making decisions with their money.

Melissa's other work can be read on LendingTree and Bizwomen.


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