Business Insurance

Insurance Coverage for Your Business — So You Can Get Back to Work. Serving Silverdale and All of Washington.

A.G. Beck Insurance Inc. understands the needs of businesses in our community — you can find our offices in Silverdale and our clients all around Washington.


As an independent insurance agency, we take pride in reviewing your options with multiple insurance companies and comparing protection and prices to find the best value for your business.


We’re proud members of the Silverdale marketplace, and we’re committed to being an advocate for you and your business in times of need.

To talk with one of our helpful team members about your business insurance needs, contact us today.

Business Owners Policy – Serving Washington

As a Business Owner, You Strive to Make Decisions That Are Right for Your Business, Your Employees and Yourself. This Includes Decisions About Business Insurance.

You know you need excellent coverage. You don’t, however, have time to become an expert in business insurance. That’s where A.G. Beck Insurance Inc. can help.


A Business Owners Policy (BOP) combines property, liability, and business interruption coverage for small to medium-sized businesses. This packaged coverage is generally less expensive than when purchasing coverage separately. With a BOP, you have the ability to customize the policy to meet your individual business needs.

Perhaps you need general liability coverage that includes operations. Or, you need to add business auto coverage or commercial property insurance. Whether you are a home-based business, small service provider, or contractor, A.G. Beck Insurance Inc. will work with you to find the right combination of business insurance coverage to meet your specific needs. Contact us today!

Supplemental Coverage Available

  • Extended liability for additional insureds.
  • Debris removal, personal property.
  • Tools and equipment.
  • Valuable records protection and accounts receivable.

In addition to advising you on the right coverage, we provide additional services, such as:

  • Loss Prevention Programs

    With our insurance company partners, we can evaluate your business’s current conditions and recommend ways to lower property, auto, workers' compensation, or liability losses. Lower losses will not only lower your insurance costs but also increase your productivity by avoiding downtime.

  • Quick Claim Response

    When you do have a claim and need fast and fair service, we work with you to make that happen. That’s why we only represent companies with excellent records for settling claims fairly and promptly.

  • Competitive Rates

    Many of the insurance companies we represent specialize in insuring specific types of businesses or industries, offering special coverage and pricing.

To see if your business qualifies for one of these special programs, contact A.G. Beck Insurance Inc. for more information. Give us a call at 360-692-5998.

Commercial Property Insurance

Serving the Unique Needs of Businesses in Silverdale and All of Washington

One of the most common types of business insurance, commercial property insurance provides a wide range of coverage for buildings, inventory, equipment, tools, and more. Losses from fire, break-ins, vandalism, windstorms, and other natural or manmade disasters are examples of what is typically covered.


A basic commercial property insurance policy may be all you need, although the types of coverage can vary between different insurance companies. As an independent agent, A.G. Beck Insurance Inc. can help you determine the type of insurance policy and range of coverage that is best for your business. For a full list of coverage available or to learn more about this product, contact us today.

Washington – What You Need to Know About Commercial Property Insurance

  • BUILDING

    Do you own a commercial building? If so, do you have enough commercial property insurance to cover replacement costs? Although cost estimators are available, we recommend that you secure an appraisal from a third party to accurately determine the current replacement cost of your building. Give A.G. Beck Insurance Inc. a call today at 360-692-5998, and we’ll help you determine if you have enough commercial property insurance for your business.

  • FLOOD

    Most commercial property policies exclude flood as a covered cause of loss. A separate policy must be purchased to protect you from resulting damage. Check your current property insurance policy to be sure you are covered. If you’re unsure, just ask A.G. Beck Insurance Inc. to review your coverage, and we’ll help you find the best solution.

  • BUSINESS PERSONAL PROPERTY

    Business personal property insurance covers property at a specified location for furniture, fixtures, equipment, and inventory. Be aware that most commercial property policies have very limited coverage for property taken off the specified location. If you have equipment that is frequently taken off-site to various locations, it is important that you have an inland marine policy (equipment or installation floater).

  • BUSINESS INCOME (BUSINESS INTERRUPTION COVERAGE)

    This coverage reimburses a business owner for lost profits and fixed expenses during the time that a business is closed. It applies while the premises are being restored because of damage from an event, such as a fire. Business income insurance may also cover financial losses that occur if civil authorities limit customer access to your neighborhood or business after a disaster. A.G. Beck Insurance Inc. strongly recommends that all businesses acquire this coverage.

  • ELECTRONIC DATA PROCESSING (EDP)

    This coverage is separate property coverage specifically designed to protect your computer-related equipment. Most commercial property policies have limited coverage for computer networks. EDP broadens the causes of loss to include things like power surges and, in some cases, virus attacks.

Based in Washington, A.G. Beck Insurance Inc. understands the business insurance needs of our customers. The right coverage for you is unique – call us at 360-692-5998 or contact us today to find out how to protect your business and your future with the right insurance.

Commercial Umbrella Insurance

If Umbrella Policies Are Good for Individuals, Then They Are Imperative for Business. When a Catastrophic Liability Loss Occurs, an Umbrella Insurance Policy Can Mean the Difference Between a Business Surviving, or Not.

The rising costs of lawsuits and judgments are important for today’s business owners to consider. Catastrophic liability losses can happen to any business at any time, and a commercial umbrella policy protects you when those losses exceed your basic liability coverage. The time and effort you have taken to build your business is too important for it to disappear after one unforeseen event. Contact A.G. Beck Insurance Inc. today about a commercial umbrella insurance policy.

Washington – What You Need to Know About Commercial Umbrella Insurance

Commercial Umbrella helps you protect your assets by providing liability limits above and beyond your other policies. In some cases, it even broadens your protection. Due to the unpredictable nature of jury awards, A.G. Beck Insurance Inc. recommends that your business insurance program include this coverage.

  • WHAT IS EXCESS LIABILITY COVERAGE?

    This coverage provides extra liability limits over an Umbrella policy. This coverage typically follows the terms of the first underlying insurance policy.

  • WHO NEEDS EXCESS LIABILITY COVERAGE?

    Higher limits may be necessary for businesses with high loss potential, high profile, sizable sales, numerous assets, large auto fleets, worldwide presence, and significant public exposure.

Talk to A.G. Beck Insurance Inc. today about your business operations, and we can advise you on what kind of liability coverage you need to protect yourself and your company. Just give us a call at 360-692-5998, and we’ll help make sure you’re covered.

General Liability Insurance

Protecting the Businesses of Washington

General liability, also known as “commercial liability insurance,” is a broad commercial insurance policy that covers the general liability exposures of a business.


Coverage typically includes product protection from financial loss should you be liable for property damage or personal and advertising injury caused by your services, business operations, or your employees.


A.G. Beck Insurance Inc. recommends that all businesses have general liability coverage in place. Request a quote or call us at 360-692-5998.

Additional Liability Coverage

Take a look at the list below for additional liability coverages that you may want to consider.

  • PROFESSIONAL LIABILITY INSURANCE (ERRORS & OMISSIONS)

    Errors & Omissions (E&O) covers professionals for negligence and errors or omissions that injure their clients or cause damage to a third party's data. This type of insurance is particularly important to licensed professionals such as accountants, attorneys, insurance agents, architects, engineers, and technology companies. A.G. Beck Insurance Inc. recommends that all professional and technology companies have E&O coverage.

  • EMPLOYMENT PRACTICES LIABILITY INSURANCE (EPLI)

    Employment Practices Liability Insurance for employers covers employment-related liabilities other than on-the-job injuries. This can include legal fees and damages for suits such as wrongful termination, discrimination, sexual harassment, and other alleged violations of employees' legal rights. If you have employees, A.G. Beck Insurance Inc. recommends considering this type of coverage.

  • DIRECTORS AND OFFICERS INSURANCE (D&O)

    D&O covers directors and officers of a company for negligent acts or omissions and for misleading statements that result in lawsuits against the company. There is a variety of directors' and officers' coverage available, such as corporate reimbursement coverage, personal liability coverage, and entity coverage. D&O policies may be broadened to include coverage for employment practices liability as well.

To find out more about these, as well as other products and services, call A.G. Beck Insurance Inc. at 360-692-5998, and we'll help make sure you're properly covered.

Commercial Auto Insurance

Commercial Auto Insurance Can Cover a Combination of Vehicle Types (Trucks, Cars) And Drivers, as Well as Some Types of Motorized Equipment.

It provides for bodily injury liability and property damage while operating a company automobile, medical payments, or Personal Injury Protection (PIP) for the driver and passengers of the policyholder’s car. Injuries or damage to someone else are also covered.

  • Hired/Non-owned Auto Liability

    Are you renting cars, or are your employees using their own vehicles? This particular coverage provides business insurance coverage for certain liabilities arising from the use of a rented or leased vehicle (hired) or a non-owned vehicle (employee using their own vehicle on company business). Oftentimes, this coverage can be added inexpensively to a business auto policy or, in some cases, a general liability policy.

  • Use of Personal Vehicles

    Insurance policies for privately owned vehicles may not cover damage to your privately owned car or truck when it is used for business, even home cosmetics, jewelry sales, or a pizza delivery business.

Every business is unique – talk to A.G. Beck Insurance Inc. today to find out how to get the best commercial auto insurance, service, price, and value. Give A.G. Beck Insurance Inc. a call at 360-692-5998.

Professional Contractors Insurance

Surety Bonds

Whether You’re a Contractor Looking for a Complex Bid Bond or a Business Owner in Need of a Simple License and Permit Bond, A.G. Beck Insurance Inc. Is Here to Help.

We know that you can’t conduct business or win the job without the backing of a solid surety bond. That’s why we only work with the most reputable and trustworthy surety providers.


A.G. Beck Insurance Inc. partners with only the best sureties to give you outstanding products supported by value-added services to contractors and businesses.

Here are some of the types of bonds we can provide:

  • CONTRACT BONDS

    • Bid Bonds
    • Performance & Payment Bonds
    • Supply bonds

  • COMMERCIAL BONDS

    • License and Permit Bonds – Contractor License; Highway and Street Permit; Agent/Adjuster/Broker License; Fuel Dealer; Professional License; Automobile Dealer; and Alcoholic Beverage Compliance Bonds
    • Probate Bonds – Administrator; Executor; Guardian; and Trustee Bonds
    • Receiver or Trustee Bond in Bankruptcy
    • Public Official – Notary Public; Sheriff; Deputy Sheriff; Constable; Jailer; County/City/School Treasurer Bonds; Court Clerk; Loan Closing Attorney; and FHA Schedule Bonds
    • Court Bonds – Plaintiff Replevin; Plaintiff Attachment, and Cost Bonds
    • Miscellaneous Bonds

  • FIDELITY BONDS

    • ERISA (Pension Plans),
    • Business Services Bonds (e.g., janitorial, home health care, or security)

  • FINANCIAL INSTITUTION BONDS AND D&O COVERAGE

    • Commercial Banks and Savings Institutions, etc.

To find out more about our surety products and services, contact A.G. Beck Insurance Inc. today at 360-692-5998.

Nonprofits

We take pride in providing insurance services for nonprofits because we recognize these organizations' vital role in serving communities and making a positive impact. By offering tailored insurance solutions, our agency ensures that nonprofits can operate confidently, knowing they are protected against risks and can continue their important work without undue financial burden. Supporting nonprofits aligns with our agency's values of fostering meaningful relationships and contributing to the communities in which we operate.

Animal Shelters

Animal shelters need insurance to protect against liabilities arising from animal bites, injuries to volunteers or visitors, and property damage. Additionally, insurance coverage can safeguard against legal expenses in case of lawsuits related to animal welfare or negligence claims. Ultimately, having insurance provides financial security and peace of mind, allowing animal shelters to focus on their primary mission of caring for and finding homes for animals in need.

Charity

Charities need insurance to protect their assets, volunteers, and beneficiaries from various risks. Insurance coverage can safeguard against potential liabilities arising from fundraising events, volunteer activities, and the administration of programs. By mitigating financial risks, charities can continue their charitable work with confidence, ensuring their resources are allocated effectively towards their mission.

Club Organization

Club organizations need insurance to mitigate risks associated with their activities and events, such as accidents, property damage, or legal liabilities. Insurance coverage provides financial protection in the event of lawsuits, injuries to members or guests, and damage to club property. By having insurance, club organizations can operate with confidence, knowing they have the necessary safeguards in place to handle unexpected incidents and ensure the continuity of their activities.

Community Association

Community associations need insurance to protect common areas, amenities, and members' properties within the community from risks like property damage, liability claims, and natural disasters. Insurance coverage can also provide protection against lawsuits related to governance issues, disputes among residents, and injuries sustained on association property. With comprehensive insurance in place, community associations can maintain the safety and well-being of their residents while effectively managing the financial risks associated with homeowners/condominium associations.

Directors and Officers

Directors and officers need insurance to shield themselves from personal liability arising from decisions made in their leadership roles within organizations. This coverage provides financial protection for legal costs and damages in the event of lawsuits alleging negligence, mismanagement, or breach of fiduciary duty. With director and officer insurance, individuals can confidently fulfill their duties without the fear of adverse financial impact due to legal actions.

House of Worship

Houses of worship need insurance to safeguard their buildings, contents, and congregation members from unexpected events such as fire, theft, or liability claims. Additionally, insurance coverage can protect against legal expenses arising from lawsuits related to accidents, injuries, or property damage that may occur on the premises. By having insurance in place, houses of worship can focus on their spiritual mission without the worry of financial burdens from unforeseen circumstances.

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