Earthquake coverage
Quake coverage is available as additional coverage to standard commercial property and casualty policies. Earthquake coverage is available throughout Washington state, although it is relatively expensive for masonry structures and business operations with high-risk inventory or equipment.

Flood
Coverage for damage caused by floods is not included in ordinary homeowners and commercial policies, but must be added as an endorsement. Flood insurance, which also covers damage caused by mudslides, is available through a program run by the Federal Insurance Administration; contact your agent or call (800) 427-4661 for more information.

Fleet coverage
This is multi-vehicle coverage that applies to businesses that rely on a number of vehicles and need to insure them collectively.

Foreign-product liability
This coverage applies to losses that occur because of difficulties involved in distributing or acquiring items that are manufactured by foreign suppliers.

Professional liability
Often called “malpractice insurance” or “errors and omissions coverage,” these policies protect professionals such as accountants, lawyers, doctors, dentists, pharmacists, insurance brokers and agents, and consultants, for negligence that injures their clients.

Stand-Alone Dental
This plan type provides dental coverage but does not include any other coverage.

Weather
The impact of weather on businesses is more complex than you might think. Weather obviously affects outdoor operations that depend on fair weather — for example, events like fairs, festivals, concerts, sporting events or filming.

Health Maintenance Organization (HMO)
Managed-care insurers — known generally as HMOs — use a primary care physician as a gatekeeper to screen patients and see that appropriate treatment takes place at the lowest level possible. In order to see a specialist or receive specialized care, patients must see the gatekeeper physician first and be referred on.

Indemnity
Indemnity plans are also referred to as “fee-for-service.” Unlike managed-care plans, indemnity plans allow absolute freedom in selecting physicians or medical facilities and permit self-referral to a specialist.

Exclusive Provider Organization (EPO)
EPOs allow subscribers to visit any physician within the contracted network without prior approval or referrals. Services received outside the network may not be covered.