Business

Business insurance forSouth King County.

From a single work truck to a full commercial program, Sav-On places coverage for Washington businesses through the Your Policy carrier platform — with a local advisor who picks up the phone.

Get a Business Quote Talk to an Advisor

1964

Serving South King County

Fast

Certificates of insurance

24/7

Carrier claims lines

Languages spoken

What We Cover

Coverage for Washington businesses

General Liability

Third-party injury and property damage claims against your business.

Commercial Property

Buildings, equipment, inventory and tenant improvements.

Commercial Auto

Work trucks, vans and fleets. A personal auto policy will not cover a vehicle used for business.

Workers' Compensation

Washington runs a state fund with specific rules. We'll walk you through what applies to you.

Business Owner's Policy

Property and liability bundled for small and mid-size businesses, usually at a lower combined cost.

Employee Benefits

Group medical, dental, vision, life and disability for Washington employers.

Why Sav-On

A local advisor, a national carrier platform.

Most small businesses in South King County buy commercial insurance once and never look at it again, usually because the renewal arrives as a number with no explanation attached.

As a Your Policy Company, Sav-On has access to an expanded commercial carrier platform, so we can actually market your renewal instead of accepting whatever comes back. And because we are in Des Moines, you get a person rather than a ticket number.

Certificates of insurance issued quickly
We market your renewal rather than rubber-stamping it
Commercial auto for work vehicles and fleets
Bilingual service — se habla español

What we'll ask for:

What the business does
Annual revenue and payroll
Number of employees
Vehicles used for business
Your current policy, if you have one

Business Insurance FAQs

What insurance does a small business in Washington actually need?

It depends on what you do, but most businesses start with general liability and commercial property, often bundled as a business owner's policy. If you have employees you will also need workers' compensation, and if you use vehicles for work you need commercial auto. We will tell you which of these apply to you rather than quoting all of them.

Do I need commercial auto if I only use my truck sometimes for work?

Usually yes. Personal auto policies typically exclude business use, which means a claim during a work trip can be denied. If you haul tools, make deliveries, or visit job sites, tell us and we will check whether your current policy would actually respond.

How does workers' compensation work in Washington?

Washington operates a state workers' compensation fund with rules that differ from most other states. It is one of the more common places small employers get caught out. We will walk you through what applies to your business and where private coverage still has a role.

Can you issue a certificate of insurance quickly?

Yes. Certificates are one of the most common urgent requests we get, usually because a client or general contractor needs one before work can start. Call the office and we will turn it around as fast as the carrier allows.

Let's look at what your business is actually carrying.

A Des Moines advisor will review your current coverage and tell you where the gaps are.

Get a Business Quote Call (206) 878-1404

No obligation. Monday–Friday, 9:00 AM – 5:00 PM.