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 14 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.
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.
More About UsWe Are Independent
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As an independent agency, we are here to help you find the right coverage.
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.
”I love working with Nick at Empire Insurance! He has helped me save money and find the right insurance for my business as well as for my personal insurance. He is friendly and professional.
Chelsea A.
”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.
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 14 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 14 office locations in Washington and Oregon and extend coverage to Arizona, California, Florida, Idaho, Montana, and Nevada.
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Interactive Graphic
Click it. Read it. Cover it.
Get a glimpse of the risks you face and how your insurance can protect what matters most.
ATV / Utility Vehicles
Risk Factor
Utility vehicles or ATVs designed for use on farms can increase liability. This is mainly because these vehicles are known to be associated with high-risk behaviors, such as operating the vehicle without the use of protective equipment.
Solution
If you routinely ride your ATV or utility vehicle, be sure to always use good judgment and wear proper protective equipment, such as a helmet. Additionally, avoid behaviors that are known to increase risk of injury, such as riding on roads that are intended for automobiles.
Products Liability Exposure
Risk Factor
Say, for example, that the beef produced from the cows raised or kept on a farm causes illness in a consumer when it’s eaten.
Solution
To combat this risk, add an endorsement that modifies your insurance policy to protect you from these potential mistakes.
Foreign Object Ingestion Coverage
Risk Factor
Equipment used on a farm has a high risk of mechanical breakdown. For example, a farmer's combine or chopper could ingest a rock causing equipment failure.
Solution
Add Foreign Object Ingestion coverage so the repairs on your combine or chopper will be covered on your policy. Ask your agent if your policy has this coverage since it is not "automatic" on most farm policies.
Coverage for Peak Season
Risk Factor
During harvest, a farmer often stores grain in grain bins, and this grain usually sells within a few months. Coverage is needed while the grain is on-site, but it could get expensive to fully maintain this coverage during the rest of the year when no grain is present on the farm.
Solution
Cover the grain under peak season. This option tailors your coverage to provide increased amounts of insurance during the months in which you have grain on your farm. This type of coverage can be applied to any harvested crop, not just grains.
Pollution
Risk Factor
Pollution is an increasing risk that can occur due to the improper storage or application of pesticides and fertilizers, runoff, and above ground or underground storage tanks.
Solution
It is difficult to control pollution risks on your farm, but it is not impossible. You can protect yourself against this type of risk by obtaining environmental insurance that provides protection for both bodily injury and property damage caused by a farm pollution incident.
Umbrella
Risk Factor
What happens when your farm faces a large liability loss that exceeds the basic limit of your standard policy?
Solution
A commercial umbrella insurance policy increases your liability limits by adding protection over and above your current farm policies - providing real financial value, as well as priceless peace of mind. Commercial umbrella insurance is available either by an endorsement to your farm policy or as separate coverage.
Care, Custody, and Control
Risk Factor
If you're caring for livestock owned by others on your farm and an unfortunate event occurs causing the death of some or all of this livestock, you may be held responsible.
Solution
To protect yourself and your farm from this type of risk, add care, custody, and control to your insurance policy as an endorsement.
Custom Farming / Business Activity
Risk Factor
Does your farm provide services for others? If so, you may be held responsible for the business activities related to these services.
Solution
To protect yourself from any type of incident relating to these business activities, add an endorsement for custom farming to your insurance policy.
Field Crops
Risk Factor
There are many uncontrollable factors that affect the growth of field crops, such as weather. Are you prepared for what might happen if your crops are devastated by an uncontrollable incident?
Solution
You can protect your livelihood and investment from this type of unavoidable risk with the addition of multi-peril crop insurance.
Property
Risk Factor
If you have a barn or farm structure, a loss to these structures can be catastrophic, potentially putting the farm out of business.
Solution
Be sure you have adequate property coverage to protect your farm from potential catastrophic loss.
Glass Coverage
Risk Factor
If your tractor, combine, harvester, or other farming equipment has cab glass, that glass could break. It can be an expensive repair and cause your equipment to be unavailable for an extended amount of time.
Solution
Be sure you have coverage to help pay for repairs or other service work for broken glass.
Farm Insurance 101
Make sure you cover the unique risks you face with farm insurance.
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Contact Empire Insurance Brokers
As an independent agency, we are here to help you find the right coverage.
Convenient Coverage
We offer 14 office locations in Washington and Oregon and extend coverage to Arizona, California, Florida, Idaho, Montana, and Nevada.
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