Trucking
MCS-90 vs BMC-91: What's the difference?
Both are federal filings for motor carriers, but they do different jobs. Here's how they compare and when each applies.
Guide coming soon — call for a walkthrough.
Resources
Plain-English insurance guides.
Short, practical breakdowns of the coverage decisions that come up most often. New guides added regularly.
Commercial
Reading a Certificate of Insurance
What the boxes on an ACORD 25 actually mean, and why 'additional insured' is not the same as 'named insured'.
Guide coming soon — call for a walkthrough.
Personal
How much liability do I really need?
State minimums vs. real-world exposure. A quick way to think about limits for auto, home, and business.
Guide coming soon — call for a walkthrough.
Personal
What an umbrella policy actually covers
Umbrellas extend liability limits above your underlying policies. Here's when they pay — and when they don't.
Guide coming soon — call for a walkthrough.
Trucking
Cargo coverage exclusions truckers miss
The common exclusions on motor truck cargo policies that surprise operators after a loss.
Guide coming soon — call for a walkthrough.
Personal
Homeowners: replacement cost vs. actual cash value
The single biggest coverage decision on your homeowners policy — and how to think about it.
Guide coming soon — call for a walkthrough.
Cost Guides
How much does insurance cost?
Truck insurance cost in Washington (2026)
Actual ranges we see from A-rated markets — not marketing numbers.
Homeowners insurance cost in Washington (2026)
What Washington homeowners actually pay — with the endorsements that move the needle.
Car insurance cost in Washington (2026)
What Washington drivers actually pay — and how to get to a lower number.
BOP insurance cost (2026)
General liability + property + business interruption, priced together — here's what small businesses pay.
Washington workers' comp cost (2026)
Washington is a monopolistic state — L&I administers workers' comp. Here's how rates work.
Umbrella insurance cost (2026)
Why $1M of umbrella liability often costs less than a monthly phone bill.
Comparisons
Carrier & agent comparisons
Progressive vs. GEICO in Washington
Two of the biggest auto carriers, side by side — and when a third carrier beats them both.
State Farm vs. an independent agent
Both offer 'local agent' service. But only one shops the market for you at renewal.
GEICO vs. an independent agent
App-first savings vs. human advocacy at claim time and renewal.
Progressive vs. Nationwide for trucking
Two of the largest trucking carriers — and where each actually wins.
Captive vs. independent agent
Same job title, very different job.
Hiscox vs. The Hartford
Two of the top small-business carriers, compared honestly.
Requirements
State & federal requirements
Washington trucking insurance requirements
State and federal minimums, plus the coverages you'll actually need in practice.
Washington contractor requirements
L&I, LNI, bonding, and the insurance most contracts actually require.
Washington restaurant insurance requirements
Everything the lease, the health department, and the state expect you to carry.
DOT & FMCSA insurance filings
MCS-90, BMC-91, BMC-91X, BMC-84, BMC-85, and Form H — what they are and why they matter.
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