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Withstand Your Risk

Build a policy that’s strong enough to protect your empire.

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Empire Insurance Brokers

Proudly protecting individuals, families, and businesses with secure solutions.

Empire Insurance Brokers is an independent insurance agency serving clients’ needs across the Northwest and beyond since 2006. We provide both business and personal insurance in 10+ locations across Washington and Oregon. Our team of agents work with many providers to present our clients with the top options to fit their needs.

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At Empire Insurance, we believe a policy alone only gets you so far. That’s why our team is here to work with you on a building plan that withstands your risks and helps you rise after a fall. Having the right team by your side is essential; we can inform you about your unique exposures while offering comprehensive insurance solutions to help protect you from the unexpected and plan for the predictable.

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As an independent agency, we are here to help you find the right coverage.

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The Advantage of an Independent Agency Working for You

What makes our independent agency different?

We represent multiple insurance companies.

We are licensed insurance advisors.

We are by your side every step of the way.

We are there for you in your time of need.

200+ Five-Star Ratings From Our Satisfied Clients

Check out our reviews and see why you should switch to Empire Insurance Brokers.

Your local first and foremost. You're always just a phone call or a hop skip and jump away when we need you. Always checking to see if our coverage is what suits our needs the best.

Heather H.

Everyone I deal with at Empire is prompt, thorough and very cordial. My payment process is flawless and very smooth. Overall a great business.

Leeann W.

Very pleased with the services I have received from Lindsey and the whole team at Empire Insurance. I would recommend them to anyone looking for a professional and prompt insurance agency.

Jake Rivera
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Offering Solutions for Your Insurance Needs

Providing a variety of business insurance and personal insurance solutions is what Empire Insurance Brokers does best.

Business Insurance
Personal Insurance

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Here’s Why Our Clients Choose Us

See what sets us apart when it comes to serving your insurance needs.

Community Focused

We care about our local community and work to find ways to give back and get involved with the charities we support.

Coverage Choice

We offer a wide array of carriers and coverages to find a policy that suits your unique needs.

Convenient Solutions

We’re a local presence employing local people in 10+ locations across Washington and Oregon.

Friendly Service

We’ll continually earn your trust through regular communication, personal relationships, and local involvement.

Convenient Coverage

We offer 10+ office locations in Washington, Oregon, and extend coverage to Arizona, California, Florida, Idaho, Montana, Nevada, South Carolina, and Texas.

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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Contractor
Commercial General Liability Coverage
Risk Factor

As a contractor, your business may be susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more. And, if you hire other contractors to perform work on your behalf, you can be held responsible for any damage they cause on the job.

Solution

Commercial general liability insurance is an absolute necessity for every contractor. This type of protection provides broad coverage for premises, operations, products, and claims to third parties or property when you are deemed responsible and liable. It will also pay to defend any covered lawsuit or action regardless of its merit.

Commercial Property Coverage
Risk Factor

When a fire, theft, or another type of disaster strikes, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your business.

Solution

Commercial property insurance can help protect the property your business owns and leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

Contractors' Equipment Coverage
Risk Factor

You’re constantly moving your tools from one job site to another, exposing your contractor business to potential loss due to damage or theft. And without your specialized tools and equipment, your job site may come to a screeching halt.

Solution

As a contractor, you need contractors' equipment insurance - a policy specially designed to protect your tools and equipment on the move. The policy will cover equipment for a variety of losses, including fire, explosion, vandalism, theft, collision with other equipment or objects and overturning. Unlike standard commercial property insurance policies, contractors' equipment insurance often covers losses caused by floods and earthquakes.

Builders Risk and Installation Insurance
Risk Factor

A building under construction is not covered under a standard building insurance policy or a home insurance policy since it is not a complete structure. As a contractor, you may be responsible for unique loss exposures related to buildings under construction such as the theft of building materials and high valued equipment such as generators and compressors.

Solution

Builders risk and installation insurance provides coverage for homes or buildings while undergoing construction, until they are completed. The policy covers the contractors’ interest in materials at the job site before they are installed, construction materials in transit designated for the contractors' equipment insurance–a policy specially and the value of the property being constructed until it is completed.

Workers’ Compensation
Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.

Solution

Workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law and may vary by area, so be sure that you understand your obligations for all physical locations where your business operates in and all physical locations where you hire your employees.

Business Auto Insurance
Risk Factor

As a contractor, you have many exposures associated with your business vehicles–owned or leased. With a fleet of cars, trucks, vans, or other types of vehicles used in the course of business, a single accident can potentially put your contractor business in financial jeopardy.

Solution

Business auto insurance provides coverage for vehicles owned or leased by a contractor and provides coverage for bodily injury, property damage, and other exposures, and could include comprehensive and collision coverage as well.

Hold Harmless / Additional Insureds
Risk Factor

If you are performing as a contractor on a construction project where other contractors and vendors are involved, you could be held liable for any damages or injuries caused by the other contractors or vendors, leaving you with costly legal fees and settlement costs. Your business needs to be protected against the risk of some other company, vendor or subcontractor causing damage to people or property of your mutual customer.

Solution

Consider having a contract in place with each entity that includes a hold harmless agreement in your favor. A hold harmless agreement provides that the entity will hold you harmless for any injuries or damage caused by their negligence. In addition, the contract should require that the entity list you as an additional insured on their policy. This may provide you with coverage under their policy for injuries or damage they cause if you are named in a lawsuit.

Commercial Umbrella / Excess Insurance
Risk Factor

Losses and lawsuits are quite common in the construction business, and settlements can be substantial. If your business is found to be responsible for damage or injury on the job site, you could be facing a large liability loss that exceeds the basic limits of your standard policy.

Solution

You should consider purchasing a commercial umbrella insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over various policies, including general liability insurance, business auto, and directors and officers liability insurance.

Contractor Insurance 101

Make sure you cover the unique risks you face with contractor insurance.

  • Click on the hotspots.
  • Discover your risks.
  • Get the right coverage.

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How can Empire Insurance Brokers help?

24/7 Client Center
Client Portal
Report a Claim
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  Contact Empire Insurance Brokers

As an independent agency, we are here to help you find the right coverage.

  • Please do not include sensitive, private information in this area.
  • This field is for validation purposes and should be left unchanged.

Convenient Coverage

We offer 10+ office locations in Washington, Oregon, and extend coverage to Arizona, California, Florida, Idaho, Montana, Nevada, South Carolina, and Texas.

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