Our Services

Business Insurance in Toledo, WA & Beyond

Coverage That Works as Hard as You Do

Trusted protection for your livelihood

You’ve worked hard to build your business—our job is to help you protect it. At Phillipps Insurance Group, we provide customized business insurance in Toledo, WA and across Lewis County. Whether you’re a local contractor, a retail shop owner, or run an LLC from home, we’ll help you assess your risks and find the right coverage for your operations.


We work with trusted commercial carriers and tailor plans to your business size, industry, and goals. That means you get just what you need—no more, no less.

01

The Core Coverages Every Business Should Consider

Essential protection for unexpected risks

Most small businesses start with a few key policies. Here are the building blocks of a solid commercial insurance plan:


General Liability Insurance:  Helps cover claims of bodily injury or property damage caused by your business. Example: a customer slips in your store.

Business Property Insurance: Covers damage to your building, inventory, or equipment from fire, theft, or storms.

Commercial Auto Insurance: Covers vehicles your business owns or operates. Crucial for delivery vans, work trucks, and service vehicles.

Commercial Umbrella Insurance: Adds liability protection above your other business policies. Valuable for high-risk or growing operations.

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02

Extra Coverage for Specific Risks

Specialized insurance for your unique business model

Some businesses need more tailored protection. We can help you evaluate whether the following coverages apply to your company:

Professional Liability (E&O): Covers claims related to professional advice or service mistakes (common for consultants, advisors, and tech pros).

Cyber Liability: Protects your business from data breaches and digital threats.

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Business Insurance, Built for Our Region

Locally focused, personally delivered

We live and work where you do. That means we understand the risks of doing business in places like Toledo, Winlock, Napavine, Chehalis, and the broader Lewis County region. From the small shops on Cowlitz Street to contractors working on homes near Mount St. Helens, we’re familiar with the challenges local business owners face—and we’re here to help.

Local Service You Can Call

Speak directly with an agent who lives in the area and understands your industry.

Custom Coverage Plans

We help you build a policy around your real-world needs, not a cookie-cutter template.

Top Commercial Carriers

We partner with trusted business insurance companies to offer reliable options.

Quarterly Policy Reviews

We proactively check in to make sure your coverage still matches your business growth.

Competitive Pricing

We compare multiple quotes and apply all available discounts.

Trusted by Local Businesses

Our clients include restaurants, trades, shops, and solo professionals across Southwest Washington.

Commercial Insurance Questions

Straightforward Answers for Business Owners

You’re not expected to know it all. We’re here to help.

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  • What insurance does my LLC need?

    Usually general liability and property insurance at a minimum. Depending on your business, we may recommend a BOP.

  • How much does small business insurance cost in Washington?

    Costs vary based on industry, size, location, and risks. Many policies start under $100/month. We’ll provide a customized quote.

  • Is business insurance required by law?

    Sometimes. For example, leased spaces may require liability coverage, and some industries have contract-specific requirements. Workers’ comp is required for employees, but we don’t currently offer that.

  • Do I need professional liability insurance?

    If you offer advice, designs, or services (e.g., marketing consultant, IT support), yes. E&O insurance protects you from negligence claims.

  • When should I switch business insurance providers?

    At minimum, review annually. If your needs change or prices spike, it might be time to explore other carriers.

Let’s Get to Work on Your Coverage

Call (360) 864-8844 to schedule a consultation or request a business insurance quote. We’ll walk you through your risks and build a smart plan that supports your success.