1. Property & Inventory Protection
Fire, theft, or vandalism could leave you without the tools or products you need to operate.
Retail, Offices, Restaurants, & More
Business Insurance Built to Keep You Running Strong
Whether you’re brewing coffee, managing a team, serving up meals, or selling your latest products, your business is your livelihood. And like any smart business owner, you want protection that’s flexible, affordable, and tailored to your specific risks.
At Evergreen NW, we specialize in insurance for small to mid-sized businesses across a wide range of industries. We help you stay protected so you can focus on growth, not setbacks.
Who We Serve
We work with all types of business owners and entrepreneurs, including:
Professional Offices
(consultants, tech firms, real estate, etc.)Retail Stores
(boutiques, salons, gift shops, etc.)Coffee Shops
& CafésFull-Service &
Quick-Service RestaurantsHealth & Wellness Providers
(spas, beauty salons, barber shops, etc.)Service Businesses
(cleaning companies, event planners, etc.)
Whether you operate out of a storefront, lease office space, or work on location, we’ll find the right policy for your setup.
Why Specialized Coverage Matters
General liability is a start—but most businesses need more. A fire in your kitchen, a data breach, or a customer injury could shut you down temporarily—or worse. That’s why a business owner’s policy (BOP) or tailored commercial package is often the best solution.
2. Liability Exposure
One accident on your premises or service error could lead to a costly lawsuit.
3. Loss of Income
If you have to close for repairs or due to damage, insurance can help cover lost revenue.
4. Employee Risks
If you have staff, workers' compensation coverage isn’t just smart—it’s usually required.
5. Client & Vendor Requirements
Many landlords and contracts require proof of liability or additional insured status.
Recommended Insurance
What Kind of Insurance Do Business Owners Need?
We create custom insurance packages for your business based on your size, industry, and risks. Popular coverages include:
Business Owners Policy (BOP)
Combines general liability and property coverage in one affordable package—ideal for small to mid-sized businesses.
General Liability
Covers customer injuries, property damage, and certain legal claims tied to your business operations.
Commercial Property
Protects your building (if owned), contents, inventory, equipment, and improvements made to leased spaces.
Business Interruption
Helps replace lost income if you’re forced to close temporarily due to a covered loss, like fire or storm damage.
Commercial Auto
For delivery vehicles, service vans, or staff on the road—whether owned by the business or used for work purposes.
Cyber Liability
Protects against losses from data breaches, hacked payment systems, or stolen customer information.
Workers' Compensation
Required in most states—covers medical bills and lost wages for employees hurt on the job.
Commercial Umbrella
Adds extra liability protection above your standard policy limits—for when big claims threaten your business.
