Washington D.C. Business Insurance
Simple and easy insurance for your Washington, D.C., small business.
4.9 out of 5 customer review rating and 1.7M+ policies sold
Get Washington, D.C. business insurance policies.
biBerk is trusted by many companies for Washington, D.C. business insurance. We offer flexible policies to protect you from the many types of risk Washington, D.C., businesses face.
Workers' Compensation in Washington, D.C.
This insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. For example, if a worker falls off a loading dock and suffers a concussion, costs associated with the incident may be covered. Workers’ comp can cover medical costs, legal fees, and lost wages due to the injury. We offer tailored workers’ comp in Washington, D.C., to suit your business.
Washington, D.C. Professional Liability insurance
Also known as errors and omissions (E&O) coverage, professional liability insurance in Washington, D.C., could protect you from the cost of damages and legal fees if someone claims your professional service caused financial harm to them or their business. Let’s say you’re a business consultant and you provide your client incorrect data. If they take action based on that data, lose money as a result, and subsequently sue you, your policy may cover you. Coverage includes both mistakes on the part of your business (errors) and the failure to perform a service (omissions). Professional liability insurance should be considered if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage.
Washington, D.C. Cyber insurance
This type of business insurance in Washington, D.C., can be purchased as an add-on to a professional liability policy. It helps cover costs related to system hacks or data security breaches in which sensitive information like credit card data has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.
We cover all kinds of professionals and businesses in Washington, D.C., including:
Architects and engineers
Auditors and accountants
Auto repair shops
Automotive retail stores
Beauty parlors and barber shops
Carpentry services
Carpet installers
Clerical office employees
Commercial building services
Computer programmers
Concrete construction companies
Consultants
Contractors
Day care centers
Dentists
Doctor's offices and osteopath's offices
Domestic service contractors
Electrical contractors
Gyms
Heating, cooling, and ventilation
Home cleaning services
Household appliance repair
Insurance companies
Interior and exterior painters
IT consultants
Landscaping and gardening services
Lawyers and attorneys
Marketing and advertising agencies
Masonry services
Messenger services
Paperhanging companies
Personal service providers
Photography companies
Plumbers
Public relations agencies
Real estate agents and operators
Restaurants
Sales professionals
Securities and commodities businesses
Software developers
Stores
Travel companies
Trucking firms
Why biBerk for business insurance in Washington, D.C.?
We’re the experts when it comes to Washington, D.C. small business insurance.
Save time.
Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.
Save money.
We insure your small business directly, without a middleman or insurance broker, so we pass that savings along to you—up to 20% less than policies with other insurance companies.
Experienced.
We're part of the Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $62 billion in paid claims in 2025.
Why is biBerk better for small business insurance in D.C.?
Why is biBerk better for small business insurance in D.C.?
Whether it’s Washington, D.C. workers’ compensation or other small business insurance, we’re often less expensive and easier to do business with than other insurance companies. That’s better for you in many ways. We’re also part of the Berkshire Hathaway Insurance Group, the nation’s largest insurance company in terms of assets. You may know Berkshire Hathaway as the company started by Warren Buffett. Mr. Buffett began as a small business owner, and he’s dedicated to providing small businesses with services and value that can help them grow.
What do biBerk customers say?
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What Washington, D.C. small business insurance is required?
Workers’ Compensation
In Washington, D.C., every business with employees is required to carry workers’ compensation insurance. Even if you only have one employee, you’re still required to carry workers’ comp. You can receive substantial fines and criminal penalties if you’re obligated to have coverage but don’t have a workers’ comp policy.
Other policy considerations
Even if your customers, clients, or partners don’t require you to carry specific policies, it’s recommended that you carry policies to cover any part of your business that could be at risk. Financially protecting your company is one of the smartest business decisions you can make.
What does small business insurance cost in Washington, D.C.?
The cost of business insurance in Washington, D.C. depends on a number of factors, including industry, number of employees, and the amounts of payroll and revenue. Additionally, your claims history will influence your policy cost. Companies with fewer claims typically pay lower premiums. Quotes for Washington, D.C., business insurance policies are easy to get on our website.
