From sole proprietors to growing teams, we build commercial coverage that meets your contracts, protects your assets, and keeps you compliant — without overpaying.
Running a business in Washington or Florida means managing risk you can't always see: a customer slip-and-fall, an employee injury, a data breach, a fender-bender in the company van. The right commercial program transfers those risks to an insurer so one bad day doesn't undo years of work. Maru writes coverage for contractors, retailers, restaurants, professional services, real estate, and more.
We also understand the compliance side — Washington's state-run workers' compensation system through L&I, Florida's workers' comp thresholds by industry, and the certificates of insurance your clients and landlords demand. Start with the core policies below.
Third-party bodily injury, property damage, and advertising injury protection.
Learn moreGL + property bundled into one cost-effective policy for small businesses.
Learn moreMedical and wage benefits for injured employees — required in WA and FL.
Learn moreCoverage for vans, trucks, and fleets that personal auto policies exclude.
Learn moreErrors & omissions coverage for advice-and-service businesses.
Learn moreBuilding, inventory, equipment, and business-income protection.
Learn moreBreach response, ransomware, and data-privacy protection.
Learn moreExtra $1M+ of liability above your GL, auto, and employer's liability.
Learn moreLicense, permit, contract, and performance bonds shopped for the best rate.
Learn moreCourse-of-construction coverage for structures, materials, and equipment.
Learn moreProtect tools, equipment, and cargo that move between jobsites.
Learn moreAlcohol-related claims general liability won't cover, for bars and venues.
Learn moreTalk to a licensed Maru advisor in Washington or Florida. No pressure, no call-center scripts — just clear options and honest pricing.