Halloween is a magical time of year. Kids dressed like tiny dinosaurs knock on your door demanding sugar, your dog wears a bumblebee costume, and at least one adult has a fog machine they definitely don’t know how to use.
But while you’re handing out fun-sized Snickers and dodging decorative spiderwebs, there’s one thing that should never be left out of your holiday prep: your business’s general liability insurance.
That’s right. Liability coverage. It may not sound spooky, but you’ll wish you had it when a customer slips on your wet floor and suddenly you’re being sued for more than the cost of your entire candy bowl.
Okay, so you run a business in Seattle. Maybe it's a café in Capitol Hill. Maybe it’s a pet grooming salon that somehow always smells like lavender and regret. Or maybe you’re a contractor, a retail shop owner, or one of the 17,000 people in the city selling organic candles on Etsy.
No matter what you do, general liability insurance is the thing that keeps your business from going poof the moment something unexpected happens—like someone tripping over a display, getting injured on-site, or claiming your ad copy hurt their feelings (yes, even that’s a thing).
It covers:
Bodily injury (not yours—someone else’s who now wants your money)
Property damage (like knocking over a $4,000 vase... in someone else’s office)
Personal and advertising injury (for when Karen leaves a Yelp review that becomes a legal issue)
Basically, it’s the business version of a safety net. But unlike your uncle's magic show, this one actually works.
Let’s be honest, fall in Seattle is beautiful… but also wet. Slippery sidewalks. Wet floors. Rain-soaked customers. It’s a lawsuit waiting to happen. Add in the Halloween rush—more foot traffic, seasonal pop-up events, maybe a spooky latte special—and suddenly your risk multiplies like jack-o’-lanterns on a Pinterest board.
Ever seen a pumpkin spice spill turn into a personal injury claim? Neither have we. But do you really want to test it?
Here’s the thing: if your business interacts with people at all, you need liability insurance. And if it doesn’t interact with people… what exactly are you doing?
Let’s run through a few scenarios that definitely didn’t happen to our “friend” Steve:
A customer trips over a floor mat in your entryway and breaks their wrist. They’re suing for medical expenses, time off work, and emotional trauma. Steve? He’s eating ramen for six months.
You post an ad using a slogan that sounds a little too similar to a national brand. Now there’s a cease-and-desist letter in your inbox and a sudden, sharp increase in your stress levels.
One of your employees knocks over a display in a shared business space. Damage total? $5,000. You just wanted to sell dog treats, not become a courtroom regular.
With liability insurance, you can skip the courtroom drama and get back to doing what you love (which hopefully isn’t being sued).
Seattle’s business scene is as diverse as its coffee menu. From start-ups in Fremont to long-standing barbershops in Rainier Valley, local businesses face local risks.
That’s why at Absolute Insurance Solutions, we don’t do cookie-cutter policies. We sit down with you (in person if you’d like—we’re real people!) and figure out what kind of coverage actually makes sense for your business.
We know the neighborhoods. We know the rainy days. We know that sometimes your “temporary” sidewalk sign becomes a permanent hazard.
Our team is based right here in Washington, so we’re not giving advice from a sunny office in Florida. We’ve walked these same wet sidewalks, and we understand how to protect Seattle businesses without the fluff.
The scariest part of insurance shouldn’t be the price tag.
General liability coverage is way more affordable than people think, especially when you consider the potential cost of not having it. Like:
$30,000+ in medical bills
$10,000+ in legal fees
Countless hours spent saying “I thought I didn’t need that”
Plus, our team will shop policies for you from top carriers like Progressive, Travelers, Farmers, and Safeco. We’re independent agents, which means we work for you, not a single provider. We’ll get you the right coverage, at the right price, for the right risks.
And no, we won’t sell you anything you don’t need. Unless you’re really into unnecessary endorsements. Then we’ll gently tell you to stop.
Here’s what you get when you work with us:
Fast quotes
Local expertise
Real people who answer the phone
Zero gimmicks
Custom plans that actually cover what you need
We’ll explain everything, minus the insurance jargon. No riddles, no Latin phrases, no “fine print” that needs a magnifying glass. Just straight talk and solid protection.
And hey, if you like puns, we’ve got those too. We're punstoppable.
You wouldn’t wait until Halloween night to buy candy for the trick-or-treaters (unless you’re a monster). So don’t wait until something goes wrong to get general liability insurance for your business.
Protecting your hard work is just smart—almost as smart as not handing out raisins to kids in costume.
Whether your business is a small shop, a tech startup, or a full-blown operation that includes forklifts (we love forklifts), our team at Absolute Insurance Solutions is ready to help.
📍 Serving Seattle, Kirkland, Bellevue, Redmond, and beyond
📞 Call us today at (206) 351-4522
🌐 Or visit us online to request your free quote and schedule a one-on-one consultation.
We’ll make sure your business is covered so the only horror story this Halloween is the neighbor who hands out raisins.
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