Washington Hardware Store businesses pay $75–$313/month.
Get My Free Quote →By clicking, you agree to our Terms of Use and Privacy Policy, and authorize My Digital Kube and its licensed carrier partners to contact you using the information you provide. Consent is not required to purchase insurance.
| Location | Est. Monthly Rate | Get Quote |
|---|---|---|
| Seattle | $113–$470/mo | Compare → |
| Spokane | $83–$344/mo | Compare → |
| Tacoma | $90–$376/mo | Compare → |
| Vancouver | $86–$360/mo | Compare → |
| Bellevue | $109–$454/mo | Compare → |
| Kent | $94–$391/mo | Compare → |
| Everett | $90–$376/mo | Compare → |
| Renton | $98–$407/mo | Compare → |
| Kirkland | $105–$438/mo | Compare → |
| Bellingham | $86–$360/mo | Compare → |
| King County | $113–$470/mo | Compare → |
| Pierce County | $90–$376/mo | Compare → |
| Snohomish County | $92–$382/mo | Compare → |
| Spokane County | $83–$344/mo | Compare → |
| Clark County | $86–$360/mo | Compare → |
| Thurston County | $84–$351/mo | Compare → |
| Kitsap County | $86–$360/mo | Compare → |
| Whatcom County | $83–$344/mo | Compare → |
| Benton County | $79–$329/mo | Compare → |
| Yakima County | $75–$313/mo | Compare → |
Hardware Store businesses in Washington typically pay $75–$313/month for business owner's policy (bop). Rates vary by city, revenue, employee count, and claims history.
Washington doesn't legally mandate business owner's policy (bop) for most businesses, but commercial leases, client contracts, and licensing boards typically require proof of coverage.
Business Owner's Policy (BOP) bundles general liability and commercial property into one cost-saving package. For Hardware Store businesses, key covered scenarios include: Customer slip and fall in store; Product liability from sold merchandise; Employee injury during stocking.
Top exposures: (1) Customer slip and fall in store, (2) Product liability from sold merchandise, (3) Employee injury during stocking, (4) Shoplifting and employee theft.
Top carriers in Washington for Retail businesses: The Hartford, Travelers, Liberty Mutual, Nationwide, Coterie, Thimble, CNA, and Employers. Use ERGO Next to compare coverage options from top-rated commercial carriers.
Yes — most Hardware Store policies can be quoted, bound, and issued same-day. Your Certificate of Insurance is available immediately after binding.
Rate estimates reflect 2026 industry data adjusted for Washington cost index. Content reviewed by My Digital Kube editorial team, licensed commercial insurance professionals.