Business Insurance That Works As Hard As You Do
Protect your WA business without the runaround.
Whether you're a restaurant, retail shop, professional service, or any commercial business,
we have the coverage you need. Quoted across 22 carrier markets by one licensed agent.
9 of our 22 carrier markets shown.
Real coverage. Real shopping power. Real humans.
The right policy for your industry
Restaurant, salon, professional service, retail, contractor — coverage gaps look different in each. We build the policy your industry actually needs, not the one that fits a checkbox.
22 carrier markets, one phone call
We do the cross-shopping. You get the best price your business and history qualify for, with the coverage limits that actually protect you. No carrier-captive routing.
One agent every renewal
Not a different rep every year, not a call center. Keaton (NPN 21747002) personally reviews every quote and stays your point of contact through claims and renewals. Hablamos Español también.
Industries We Protect
Restaurants & Food Service
Coverage for dine-in, delivery, catering, and commercial kitchens.
Learn More →Professional Services
E&O, GL, and coverage for accountants, consultants, and architects.
Learn More →Real Estate & Property Management
Landlord coverage, management liability, and property protection.
Learn More →Commercial Coverage That Covers You
General Liability (GL)
The foundation of commercial coverage.
- Third-party bodily injury and property damage
- Completed operations coverage
- Advertising injury protection
- Certificate of Insurance (COI)
Business Owners Policy (BOP)
GL + property + business interruption bundled at a discount.
- Everything in General Liability
- Commercial property (equipment, inventory, office)
- Business interruption / loss of income
- Inland marine for tools and equipment
Commercial Property
Protects your building, equipment, and contents.
- Building and structure coverage
- Contents and equipment protection
- Coverage for fire, theft, vandalism, and more
- Replacement cost or actual cash value
Commercial Auto
Required if you use vehicles for business.
- Liability coverage for business vehicle use
- Collision and comprehensive
- Hired and non-owned auto coverage
- Different from personal auto policies
Cyber Insurance
Protection against data breaches and cyberattacks.
- Data breach response and notification costs
- Business interruption from cyber incidents
- Ransomware and extortion coverage
- Privacy liability and regulatory fines
Professional Liability / E&O
Essential for service-based businesses.
- Coverage for professional errors or omissions
- Defense costs and settlements
- Coverage for advice, design, or services provided
- Required for consultants, architects, agents
Explore coverage by type
Each coverage line has its own carrier appetite, pricing reality, and WA-specific quirks. Pick yours for the long version.
Why NationGuard for Business Insurance
Shop 22 Carrier Markets
We compare rates and coverage across NEXT, Hiscox, Hanover, Foremost, Cowbell, ePremium, and specialty carriers. You get the best rate for your situation.
Local Spokane Agent
Keaton Flanigan is a licensed insurance agent (NPN #21747002). You talk to a human who knows Washington business, not a call center.
Quoted and Bound by One Agent
Most quotes return within 1 hour during business hours. The Certificate of Insurance is emailed as the policy issues.
Bilingual Service
Habla español. All communications available in English and Spanish. We serve Washington's diverse business community.
Need a COI today? Tell us and Keaton works it first.
Lease starts Monday and the landlord wants proof of insurance? Vendor portal asking for a certificate before they'll cut the PO? Call (509) 866-6294 or start the form — your cert comes from your agent, not a portal queue.
Get Your Quote
Tell us about your business and options come back within 1 hour during business hours.
General Liability alone starts around $500/year (about $42/month) for low-risk classes. A full BOP — GL plus property plus business interruption — typically runs $1,500–$5,000+/year. Your number depends on industry, revenue, and claims history.
Subject to underwriting approval.
Prefer to talk? Call (509) 866-6294
What do you need to insure?
Pick a category and we'll match you with the right coverage.
Want a price tonight?
ERGO NEXT quotes many Washington contractors and small businesses online in minutes. If they cannot offer coverage, Keaton shops it across his other markets.
Frequently Asked
A BOP bundles General Liability, Commercial Property, and Business Interruption coverage at a discounted rate. It's the most popular package for small to mid-sized businesses because it covers both third-party claims and your own assets (equipment, inventory, office space). If you own property or equipment, a BOP typically saves 20-30% compared to buying coverages separately.
It depends on your industry, revenue, employee count, location, and claims history. GL alone can range from $500-$3,000+ per year. A full BOP typically runs $1,500-$5,000+ annually. We quote 22 carrier markets to find the best rate for your specific situation — no surprises.
If you have employees in Washington, you're required to carry Workers Compensation insurance through the WA State Fund (L&I). We can coordinate your GL, BOP, and Workers Comp into one seamless package. We handle all the L&I requirements so you stay compliant.
Yes. We work with carriers that specialize in legally licensed cannabis operations in Washington. Coverage includes GL, property, product liability, and more. Give us a call at (509) 866-6294 to discuss your specific needs — cannabis pricing and appetite vary widely by carrier.
The quote is the fast part: most quotes are returned within 1 hour during business hours. Binding is yours to trigger — once you accept, the certificate is emailed as the policy issues, and the carrier sends full policy documents behind it. You never wait in a queue for the certificate; it comes from the agent who bound the policy.
We partner with 22 carrier markets including NEXT, Hiscox, Hanover, Foremost, Cowbell, ePremium, and specialty carriers for niche industries. Each carrier has different appetites, so we shop your profile across multiple companies to find the best rate and coverage.
If you own or operate any vehicle for business purposes — delivery, client visits, job-site travel — yes, you need Commercial Auto. Personal auto policies typically exclude business use. We quote Commercial Auto alongside your GL and BOP for complete protection.
Professional Liability (E&O) covers claims of negligence, errors, or omissions in the services you provide. It's essential for consultants, accountants, architects, engineers, real estate agents, and other service-based businesses. It covers defense costs and settlements if a client sues for poor advice or a mistake.