States we serve · Washington
Warehouse and distribution insurance in Washington
Two programs, one question: whose goods are at risk? We place both sides of the Washington trade — the operator holding a customer’s freight, and the distributor who owns every pallet on the rack.
Washington is the only state that both ended its liquor monopoly outright — handing a private distributor the spirits inventory the state used to warehouse — and kept a monopolistic workers’ compensation fund, so a warehouse owner here buys everything on the open market except the one coverage that has to come from the state.
Which one are you?
The two programs below are genuinely different risks, not two names for the same policy. Pick the one that describes your operation — or tell us on the quote form if you do both, which many Washington businesses do.
Warehouse business insurance in Washington
For the public, 3PL, contract, bonded, cold-storage, and fulfillment operators who hold OTHER companies’ freight. The goods under your roof are not yours — so warehouse legal liability leads the program, and your storage contract sets the duty of care.
Read the warehouse program → Your goods, anywhere they go.Distributor & wholesaler business insurance in Washington
For the merchant wholesalers, food and beverage distributors, and importers who OWN what they sell. The inventory is yours everywhere it goes — so stock throughput leads, and products liability follows you down the chain of distribution.
Read the distributor & wholesaler program →Where we place Washington risks: Seattle · Tacoma · Kent Valley (Kent–Auburn–Sumner) · Everett · Spokane · Vancouver · Yakima · Bellingham.
Get a Washington insurance quote
Quotes in 1–2 hours during business hours.