Business insurance
built for you.
Multiple A-rated carriers
You answer a few questions once. We submit to several A-rated carriers and bring back their quotes to compare.
Independent agents
We know how the carriers differ, so you get coverage that fits how your business operates.
Real service, not a call center
Need a certificate, a coverage change, or an answer? You reach us directly.
What we cover
Coverage that fits how you run your business.
General Liability
It covers third-party injury, property damage, and the lawsuits that follow. Most businesses need it first.
Learn moreBusiness Owner's Policy
It bundles liability and property for small operations, and it usually prices better than buying them apart.
Learn moreWorkers' Compensation
It covers employee injuries and meets the state requirements that start the day you hire.
Learn moreCommercial Auto
It covers the vehicles, drivers, and liability that follow work trucks and fleets.
Learn moreCyber & Tech
It covers ransomware, wire fraud, breach response, and lost income when systems go down.
Learn moreSurety Bonds
We write the license, permit, and contract bonds that let contractors bid and operate.
Learn moreIn their words
The businesses we place, and why they stay.
We bought a new work truck and needed it covered before sending it out. They handled the update quickly and made sure we had proof of insurance the same day.
Brian W.
General Contractor, Pittsburgh
A customer asked for additional insured and waiver-of-subrogation wording before we could begin. Hot Metal worked through the request and got the certificate issued in time.
Tim K.
HVAC Technician, Tacoma
When we had a claim, Hot Metal helped us understand what to document, who to contact, and what to expect next. We never felt like we were figuring it out alone.
Oscar M.
Roofer, Seattle