What’s the difference between general liability and professional liability?

Think of general liability as protection for physical accidents (like a dog knocking over a display or biting someone). Professional liabilitycovers the services you provide (like grooming, training, or pet sitting) and protects you if someone claims you did something wrong.

Do I need insurance if I’m just a solo pet sitter or dog walker?

Yes, especially if you’re entering clients’ homes, handling their pets, or transporting animals. Even small operations face liability risk, and many platforms (like Rover) require proof of insurance before accepting sitters.

What types of insurance do pet businesses usually need?

It depends on the type of work you do—but most pet professionals benefit from a combination of coverage that protects against accidents, injuries, lawsuits, and property loss. Common types of protection include: Liability insurance(if a pet bites someone, or a client claims you caused harm) Property insurance(for floods, fires, or stolen equipment) Professional coverage(for claims related to grooming, training, or advice) Coverage for your employees(if someone gets hurt or takes legal action) Auto protection(if you use a van or vehicle for mobile services) If you’re not sure what applies to your business, we’ll help you figure that out.

What insurance do roofing contractors in California need?

Roofers typically need general liability, workers’ compensation, and commercial auto insurance. Depending on your setup, tools and equipment coverage may also be recommended.

Is roofing insurance required in California?

Yes. Licensed roofers must carry workers’ compensation insurance, even without employees. Most clients also require proof of general liability before awarding a job. California Contractors State License Board (CSLB): https://www.cslb.ca.gov/

Why is completed-operations coverage important?

Many roofing claims occur after project completion. This coverage protects you from post-job liabilities such as leaks or property damage.

How does SB 216 affect roofing contractors?

Beginning January 1, 2026, California Senate Bill 216 requires all licensed contractors — including one-person roofing businesses — to carry active workers’ comp coverage.

What does general liability insurance cover for roofers?

General liability covers property damage, bodily injury, and completed operations, including issues that arise after a roofing project is finished. Insurance Information Institute (III) guide

What is a Workers’ Comp Ghost Policy?

A Ghost Policy provides proof of coverage for sole proprietors or independent contractors with no employees, helping you stay compliant and qualify for more bids. More info

How do I get a construction insurance quote?

Getting started is easy! Call us or request a quote online. We’ll walk you through your options and help you find coverage that keeps your business protected and moving forward

What types of projects do you insure?

We insure everything from home remodels and roofing jobs to large commercial or public works projects. If you build it, we can help protect it.

How much does construction insurance cost?

The cost depends on your trade, crew size, equipment, and project type. We’ll help you compare options and find affordable coverage that fits your budget without cutting corners on protection.

Can you help small contractors or one-person businesses?

Absolutely. We work with independent contractors and small construction companies to find policies that match their size, budget, and project needs.

Why do contractors need insurance?

Most projects require proof of insurance before work can begin. The right policy protects you from lawsuits, accidents, and unexpected costs, keeping your business compliant and your clients confident in your professionalism.

What does construction insurance cover?

Construction insurance helps protect your business from everyday risks (like property damage, jobsite injuries, or project delays) so you can focus on building, not worrying about what might go wrong.

What is builders risk insurance, and when do I need it?

Builders risk insurance protects buildings and materials while they’re under construction. It’s essential if you’re building, remodeling, or adding to a structure, especially when local permits or lenders require proof of coverage.

Do you help with local requirements and certificates of insurance?

Yes. We make sure your insurance meets city and project requirements and provide quick, accurate certificates so you can start work without delay.

What is contractor liability insurance?

Contractor liability insurance (also called general liability ) covers accidents or property damage that happen on the job. It’s the foundation of protection for general contractors, remodelers, and specialty trades.

What makes Leavitt Group Northwest different?

We don’t just sell policies — we help you solve problems. Our local agents know the construction industry, understand city permitting requirements, and work quickly to make sure you have the right coverage when you need it

Who can use trucking insurance?

You already know trucking isn't isolated to a single industry or specialty good. In fact, in 2024, 72.7% of the total domestic tonnage shipped was transported by truck. There are many types of trucks on the road, and trucking liability insurance can account for them all. A few examples of companies and trucks that can use commercial trucking insurance include: Local-Intermediate, & Long Haul New Ventures Dry Van, Reefer, Flatbed, Intermodal Amazon/Amazon Relay Compliant Carriers Box Trucks (no HHG or last mile) Building Material/Equipment Haulers Agricultural Commodities Haulers

Individual Services
Anacortes Marine, Auburn, Everett, Islanders Insurance - San Juan County, Safe Harbor Insurance - San Juan County, Gig Harbor, North Cascade, Oak Harbor, Seattle, University Place

Leavitt Group Northwest is pleased to offer a variety of insurance options. Use this page to navigate to the online applications of your chosen insurance provider. Please contact us directly if you would like our assistance, we would love to help you select the perfect insurance policy for your individual insurance needs.

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What You Need to Know About Individual Services

Individual Medical Insurance

Nick Giacolone

Account Executive & Individual Specialist

(253) 851-4408

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Individual Services
Anacortes Marine, Auburn, Everett, Islanders Insurance - San Juan County, Safe Harbor Insurance - San Juan County, Gig Harbor, North Cascade, Oak Harbor, Seattle, University Place