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Schreib Insurance Group

19413 State Route 410 E
Bonney Lake, WA 98391

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Schreib Insurance Group Blog

Required Commercial Insurance in Washington

Every state has its own insurance laws for businesses of every size. In Washington, two types of insurance are required for businesses, though many businesses choose to add optional policies to protect their businesses better. If you need commercial insurance, contact us at Shrieb Insurance Group in Bonney Lake, WA to find out more about the policies available. 

Workers’ Compensation

In Washington, virtually every business must have workers’ compensation insurance for each of their employees. This is true when the business has just one part-time employee. Protecting every employee with this coverage keeps your business from having to pay out when someone gets sick or injured while on the job. It also protects your employees, as they will know that there is help available for medical bills if there should be an accident at work. 

Commercial Auto Insurance

When your business owns one or more vehicles, a commercial auto insurance policy must cover each of them. This protects your business in the event of an accident that is the fault of the business-owned vehicle driver. The policy must have the mandatory minimum of coverage for one person injured in the accident and another amount for all of the bodily injuries for third parties in the accident. There is also a requirement to have a specific amount of coverage for any property damage caused by your business’s vehicle. If you have a vehicle that the company does not own but is often used for the business, it needs a different policy, one called hired and non-owned coverage. 

Get Your Commercial Insurance

Please don’t risk your business going without the insurance coverage that it needs. Call us at Shrieb Insurance Group in Bonney Lake, WA to talk to an agent about the coverage your business is required to have as well as optional policies that can help your business. 

Ways to increase home safety

Accidents are one of the most common causes of death in the US. More than 150,000 people die from accidents every year, and of those, 75% happen in the home. That is a staggering figure. Making your house a safe place is of the utmost importance. You can easily increase the safety of your home with a few simple changes. At Schreib Insurance Group in Bonney Lake, WA, we are a locally owned and operated independent insurance agency. We strive to have a personal relationship with each of our customers. 

Add carbon monoxide detectors.

Carbon monoxide is a tasteless, colorless, odorless gas. It results when carbon does not completely burn out of wood, coal, propane, natural gas, oil, gasoline, and kerosene. It is poisonous, and you can be dead without even knowing it is there. Every year entire families get sick, and some die. You can protect yourself from this needless accident with a carbon monoxide detector. 

Clear the clutter

Clutter is one of the main causes of falls, and falls cause severe injury and even death. Don’t pile things on or near stairs, and keep hallways clear. Make sure there are clear walkways inside the house and out. 

Add motion detector lights.

This has two benefits. When you get home later at night, the lights will turn on, and you won’t have to try to find your way in the dark. This is a deterrent to someone checking out your home for a break-in.  

Check the fire extinguisher and smoke detector.

Change the batteries in your smoke detector and make sure your fire extinguisher is in good shape.

Have an emergency kit

Put together water, some snacks, lanterns, batteries, and a first aid kit. Have your important papers ready to go if the need arises. 

Contact Schreib Insurance Group in Bonney Lake, WA with any of your insurance needs. 

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  • Washington

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