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Full Coverage Commercial & Personal Insurance Services

When you work with the agents and brokers at Sears & Associates, you can count on their experience, expertise, friendly and caring demeanor, and utmost professionalism throughout the entire process. Once we’ve found you the best insurance solution at the best rates, we don’t just forget about you. We are happy to assist with filing claims to make sure you are getting the most out of your insurance dollars. We are happy to answer any questions you have about your coverage, any time.
Call Sears & Associates Today For A Free Quote From One Of Our Trusted Brokers & Insurance Agents! 206-842-9091

Business & Commercial Insurance

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Finding the right protection for your business provides peace of mind, by protecting your source of income in order to recover from an incident, or build upon a break through. Our trusted and experienced insurance brokers and agents will explore the best providers to increase your financial protection, reduce insurance costs and guarantee your proper and complete coverage. We understand there are truly no two businesses alike, and as a result we explore the best options to cover your unique needs.

Commercial General Liability

Protect your business against liability claims for property damage, personal injury, bodily injury and much more. We’ll discuss your business to align you with the best possible policy.

Commercial Automobile Insurance

We can allocate protection for everything from fleet vehicles, delivery trucks, shuttles and everything in between. With the right policy, we can make sure you don’t miss out on income if your commercial automobile is out for repair.

Directors And Officers Liability Insurance

Protect the leaders of your company from losses due to legal actions taken against them regarding an alleged act of theirs, directly related to their position with your company. When the accusations are not true, these policies will cover the cost to prove as much.

Builder's Risk Insurance

If your business involves tradesmen and contracting, be sure to protect the tools and equipment that keep you in business. Builder’s risk insurance will cover the cost of any business belongings suffering damage on the job, from building materials to fixtures.

Tools And Equipment Coverage

If your business involves tradesmen and contracting, be sure to protect the tools and equipment that keep you in business.

Traditional Workers And USL&H Compensation

Kitchen staff, professional tradesman, office employees and harbor/maritime workers alike are legally covered by workers’ compensation. Come to us to find the best solutions for maximum coverage at the best rates possible.

Commercial Property Insurance:

This type of policy provides protection against the loss of use or loss of company property. This includes lost income, valuable papers, computers, money, business interruption, and more. Companies across a range of industries use these policies to protect what matters to their business.

Personal Insurance

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Homeowners & Renters Insurance

Whether you rent or own your house, condominium, apartment, or mobile home, covering your home and personal belongings is extremely important. Homeowners Insurance and Renters Insurance can cover far more than you realize, and we’d be happy to walk you through what is available.

Coverage For Your Costly and Sentimental Goods Includes:

  • Guaranteed replacement costs on your home in the event of an unfortunate total destruction such as from a weather-related incident or fire.
  • Replacement cost on your personal belongings, whether destroyed or stolen.
  • Financial coverage for costs on jewelry, antiques, snowmobiles, boats, and other special possessions scheduled into your policy.

Automobile Insurance

We provide a wide range of liability and deductible options for your automotive coverage, seeking the most competitively priced policies on the market. This is one of the many benefits of being an independent insurance agency.

Vehicle Coverage For Your Specific Needs:

  • We’ll find coverage for as many vehicles as you in need us to. Family vehicles, pick-up trucks and antique cars—we can cover them all appropriately.
  • If it’s got wheels and a motor, we can find the best coverage possible including campers, trailers, toys, and motorcycles.
  • Your coverage can include, but is not limited to, the following: personal injury protection, bodily injury liability, collision and property damage liability.

Boat & Yacht Insurance

We want to help you keep your peace of mind while you’re out on the water. We provide a full range of plans for marine vehicles including: yachts, performance boats, sail boats, bass boats, jet skis, and waverunners. These policies are designed to protect the unexpected such as damage caused by other boaters, theft, vandalism, and more.

Life Insurance

Life insurance can be hard to figure out, and is extremely important. Our team of brokers and agents will work with you to discuss the needs you and your loved ones have for a comfortable future, in any circumstance. We offering the following life insurance options:

We Provide Many Life Insurance Options To Cover Your Individual Needs:

  • Term insurance: This insurance is typical for those purchasing insurance at a later time in their life, or if they intend to change their insurance policy in the future, generally lasting anywhere from 1 – 30 years. As term life insurance is a policy that lasts a specific amount of time, your protection will eventually end. In some cases, your policy will not be renewable, and a new one will need to be purchased. It is important to know if this will be transferable at the end or during the specified term, in the event you have a life change.
  • Whole life: It is never too early or too late to purchase a whole life insurance policy. This is a policy meant to provide protection to your beneficiaries for the duration of their life, upon the end of yours. Understanding the cost of your premiums while you pay into this policy is very important, and we will be happy to explain every detail to you.
  • Universal life: The nature of universal life insurance is essentially life insurance a la carte. We can combine whole life insurance with a savings and investment component paired with a single or fixed premium and many more options. Our staff of skilled insurance brokers and agents will discuss the needs of you and your beneficiaries to put the best universal life insurance plan together, for you.
  • Variable life: This policy works similarly to permanent life insurance while providing higher potential for cash back values, as variable life insurance functions more as a “securities contract.” As such, these will be sold by way of a prospectus and regulated by federal securities laws. It is paramount to understand every element of your variable life insurance plan, and we are happy to help. We want you and your beneficiaries to feel totally taken care of.

For more information about our broad range of insurance coverage, please contact us today at
(206) 842-9091

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(206) 842-9091


(206) 842-5125


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Sears & Associates

115 Hall Brothers Loop NW

Suite 109

Bainbridge Island, WA 98110

Open Hours

M-F: 8:00AM - 5:00PM