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WASHINGTON D.C. BUSINESS INSURANCE

Wherever you do business in Washington D.C., a tailored insurance policy from Selective and your independent agent can help protect your unique business.

Get Business Insurance from Selective in Washington D.C.

Washington, D.C., is more than the federal capital of the United States. It is home to many businesses serving the needs of various industries, including construction, education, and healthcare.

Business owners and managers in the District of Columbia need adequate commercial insurance coverage to help protect and grow their operations.

Selective and your local independent agent can help you get a comprehensive business insurance solution that fits your unique needs.

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BUSINESSES WE INSURE IN WASHINGTON, D.C.

At Selective, we offer commercial insurance to over 400 types of businesses. Alongside our independent agency partners, we are proud to serve Washington, D.C. businesses of almost any size, including, but not limited to:

• Contractors – general contractors (residential and commercial), electrical, building services, land grading, heavy construction, siding and sheet metal, painting and paper hanging

• Manufacturers and Wholesalers – electronics and electrical equipment, fabricated metals, industrial machinery, technology, furniture and fixtures

• Professional Offices – law firms, advertising agencies, medical offices, real estate agencies, architects, accounting firms

• Mercantile Services – retail food & fine dining, retail goods, public golf courses

• Auto Services – including repair shops, body shops, and dealers

• Consumer Assistance Programs – social services, senior living, religious organizations, municipalities, volunteer fire departments

Don't see your profession or want more information? Find a local independent agent in Washington, D.C. for answers and a business insurance quote.

WASHINGTON, D.C. BUSINESS INSURANCE FROM SELECTIVE

Selective and your independent agent can help you reduce risk and protect your business by customizing a business insurance solution fit just for you.

Business Interruption

Business interruption insurance can help protect your company against income loss in case of a covered incident that forces you to suspend business operations. This type of insurance also assists with rent or lease payments, relocation costs, employee wages, taxes, and loan payments until your business can reopen.

Business interruption insurance does not usually cover damages or losses from flooding, earthquakes, mudslides, and other natural disasters. However, there are additional coverages you can purchase to help protect against these risks.

Business liability insurance in Washington D.C. can help protect your company from liability claims, including allegations of third-party property damage, bodily injury, false arrest, reputational damage, and more. In addition to providing financial protection, commercial general liability insurance may help pay for legal fees related to lawsuits against your company and medical costs if someone sustains a bodily injury on your business property.

Commercial property insurance can help protect your physical assets, including furniture, inventory, and business equipment. This may also pay for repair or replacement costs in the event of losses due to fires, vandalism, or other covered risks that may cause structural damage to your insured building or its contents.

Ensuring the safety and security of your assets is crucial for any company, as is keeping your business running after a loss, so talk to your independent agent about New Jersey business insurance from Selective.

"They understood my problem and new how to fix it. I was off the phone in no time."

Commercial Customer

Additional Coverages for D.C. Businesses

Selective offers additional insurance coverages and enhancements in Washington, D.C., to help address your specific risks and needs, including:

Workers Compensation can help pay for medical treatment, rehabilitation, lost wages, and disability benefits if an employee has a work-related injury or illness. This can also help protect you as a business owner by helping pay for legal costs in the event an injured worker sues your business.
Commercial Flood Insurance in Washington, D.C., helps protect your physical buildings or structures from flood-related losses, including damage to the foundation, walls, HVAC, wiring, and more. It also covers the contents, including furniture, equipment, inventory, and more.
Product Recall Coverage can help your business navigate product recalls, minimize financial losses, and pay for covered expenses such as hiring temporary employees or product disposal.
Management Liability Insurance is a suite of coverages that can help protect your business from financial losses not typically covered under standard commercial general liability policies. MLI coverages include Directors and Officers (D&O), Employment Practices Liability Insurance (EPLI), and Fiduciary Liability (FLI).
Commercial Auto Insurance can help protect your company vehicles and drivers on and off the road. It may also help pay for medical bills if you, your employees, or passengers are injured in an accident in which your company is at fault.

Cyber Liability Insurance for D.C. Businesses

Cyberattacks can take many forms. Whether you've heard of them as ransomware, cyber extortion, social engineering, data breach, or security breach, cybercrime is a growing threat that all businesses should prepare for.

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Cyber Liability Insurance for D.C. Businesses

Get Broad and Convenient Coverage in Washington D.C. from a Business Owners Policy

A Business Owners Policy (BOP) is a practical insurance solution that can help protect your business's assets against losses caused by property damage, lawsuits, or other accidents. Instead of purchasing separate policies for property, liability, and business income insurance, a BOP conveniently bundles these basic coverages into a single, budget-friendly insurance policy.

Your independent agent in Washington, D.C., can help you decide if a Business Owners Policy meets your needs.

FIND AN INDEPENDENT INSURANCE AGENT IN WASHINGTON D.C.

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FREQUENTLY ASKED QUESTIONS ABOUT WASHINGTON D.C.'S BUSINESS INSURANCE

How Much Does Commercial Insurance Cost in Washington, D.C.?

The cost of commercial insurance in Washington, D.C., varies from business to business. Factors that can affect your cost include (but are not limited to) the number of employees, location, payroll, and the types of vehicles you own. Your local independent insurance agent can help you assess your risks and customize a commercial insurance policy to match.

Is Workers Compensation Insurance Mandatory for Employers in Washington, D.C.?

Businesses in Washington, D.C., must carry worker's compensation insurance if they employ one or more full-time, part-time, seasonal, or occasional workers. Without workers' compensation insurance, you may be held liable for all benefits provided under D.C. law if an employee gets injured or becomes ill on your premises. A worker's compensation policy may also provide injured workers with a portion of lost wages if they take time off to recover.