|| Business Insurance ||
Protect Your Business with the Right Coverage at the Right Price.
Businesses across Arizona, Idaho, Montana, Oregon, Utah, and Washington face unique risks — from property damage to liability claims to industry-specific exposures. Our commercial insurance specialists specialize in workers’ compensation, commercial auto, and coverage for assisted living facilities, electricians, plumbers, HVAC contractors, and other key industries. We shop Safeco, Progressive, Travelers, The Hartford, Liberty Mutual & 100+ more to find you the best business coverage at the most competitive rates.
General Liability | Commercial Property | Workers’ Comp | Commercial Auto | Cyber Liability | Business Owner’s Policy
|| Business Insurance ||
Protect Your Business with the Right Coverage at the Right Price.
Businesses across Arizona, Idaho, Montana, Oregon, Utah, and Washington face unique risks — from property damage to liability claims to industry-specific exposures. Our commercial insurance specialists specialize in workers’ compensation, commercial auto, and coverage for assisted living facilities, electricians, plumbers, HVAC contractors, and other key industries. We shop Safeco, Progressive, Travelers, The Hartford, Liberty Mutual & 100+ more to find you the best business coverage at the most competitive rates.
General Liability | Commercial Property | Workers’ Comp | Commercial Auto | Cyber Liability | Business Owner’s Policy
Need Help ?
Please feel free to contact us. We will get back to you with 1-2 business days. Or just call us now
|| Pacific Crest Summit ||
Business Insurance That Works as Hard as You Do.
Your business is your livelihood — protecting it shouldn’t be complicated or overpriced. As an independent insurance agency with offices in Eagle and Coeur d’Alene, Idaho, we serve business owners across Arizona, Idaho, Montana, Oregon, Utah, and Washington. We specialize in commercial insurance solutions for construction trades (electricians, plumbers, HVAC contractors), assisted living facilities, hospitality, retail, and professional services. From general liability to workers’ compensation tailored to your industry, our experienced agents shop 100+ top-rated insurance companies to find you a policy that covers what matters most at a price that fits your budget. Whether you’re a startup, small business, or established company, we make business insurance simple, affordable, and stress-free.
|| What’s Covered ||
Comprehensive Business Insurance Coverage for Companies Across the West
Every business and industry is different. That’s why we offer a full range of commercial insurance coverage options tailored to your business, industry, and budget. Whether you’re in construction, assisted living, hospitality, or professional services, we have solutions tailored to your specific exposures. Here’s what your policy can include:
Business Owner's Policy (BOP)
A cost-effective bundle combining general liability and commercial property coverage into one convenient policy — ideal for small to mid-sized businesses across our service areas.
General Liability Insurance
Protects your business from costly claims involving third-party bodily injury, property damage, and personal injury. Essential coverage for every business.
Commercial Property Insurance
Covers your business building, equipment, inventory, and furnishings from damage caused by fire, theft, vandalism, and weather-related events.
Workers' Compensation Insurance
Required by law across Arizona, Idaho, Montana, Oregon, Utah, and Washington for most businesses, workers’ comp covers medical expenses and lost wages if an employee is injured on the job. Learn more about our Workers’ Compensation coverage →
Commercial Auto Insurance
Covers your business vehicles, drivers, and cargo across Arizona, Idaho, Montana, Oregon, Utah, and Washington. Essential for any business that uses vehicles for deliveries, service calls, or transportation. We specialize in commercial auto for construction trades and service contractors.
Professional Liability (Errors & Omissions)
Protects your business from claims of negligence, mistakes, or failure to deliver promised services — essential coverage for consultants, agencies, and other professional service providers.
Cyber Liability Insurance
Covers your business from the financial impact of data breaches, cyberattacks, and other digital threats — increasingly important for businesses of all sizes across the West.
Commercial Umbrella Coverage
Provides an extra layer of liability protection above and beyond your existing business insurance policies for catastrophic claims.
Employment Practices Liability (EPLI)
Protects your business from claims made by employees involving wrongful termination, discrimination, harassment, and other employment-related issues.
Business Interruption Insurance
Covers lost income and operating expenses if your business is forced to temporarily close due to a covered loss such as fire, weather damage, or other disasters.
|| Pacific Crest Summit ||
Business Insurance That Works as Hard as You Do.
Your business is your livelihood — protecting it shouldn’t be complicated or overpriced. As an independent insurance agency with offices in Eagle and Coeur d’Alene, Idaho, we serve business owners across Arizona, Idaho, Montana, Oregon, Utah, and Washington. We specialize in commercial insurance solutions for construction trades (electricians, plumbers, HVAC contractors), assisted living facilities, hospitality, retail, and professional services. From general liability to workers’ compensation tailored to your industry, our experienced agents shop 100+ top-rated insurance companies to find you a policy that covers what matters most at a price that fits your budget. Whether you’re a startup, small business, or established company, we make business insurance simple, affordable, and stress-free.
|| What’s Covered ||
Comprehensive Business Insurance Coverage for Companies Across the West
Every business and industry is different. That’s why we offer a full range of commercial insurance coverage options tailored to your business, industry, and budget. Whether you’re in construction, assisted living, hospitality, or professional services, we have solutions tailored to your specific exposures. Here’s what your policy can include:
Business Owner's Policy (BOP)
A cost-effective bundle combining general liability and commercial property coverage into one convenient policy — ideal for small to mid-sized businesses across our service areas.
General Liability Insurance
Protects your business from costly claims involving third-party bodily injury, property damage, and personal injury. Essential coverage for every business.
Commercial Property Insurance
Covers your business building, equipment, inventory, and furnishings from damage caused by fire, theft, vandalism, and weather-related events.
Workers' Compensation Insurance
Required by law across Arizona, Idaho, Montana, Oregon, Utah, and Washington for most businesses, workers’ comp covers medical expenses and lost wages if an employee is injured on the job. Learn more about our Workers’ Compensation coverage →
Commercial Auto Insurance
Covers your business vehicles, drivers, and cargo across Arizona, Idaho, Montana, Oregon, Utah, and Washington. Essential for any business that uses vehicles for deliveries, service calls, or transportation. We specialize in commercial auto for construction trades and service contractors.
Professional Liability (Errors & Omissions)
Protects your business from claims of negligence, mistakes, or failure to deliver promised services — essential coverage for consultants, agencies, and other professional service providers.
Cyber Liability Insurance
Covers your business from the financial impact of data breaches, cyberattacks, and other digital threats — increasingly important for businesses of all sizes across the West.
Commercial Umbrella Coverage
Provides an extra layer of liability protection above and beyond your existing business insurance policies for catastrophic claims.
Employment Practices Liability (EPLI)
Protects your business from claims made by employees involving wrongful termination, discrimination, harassment, and other employment-related issues.
Business Interruption Insurance
Covers lost income and operating expenses if your business is forced to temporarily close due to a covered loss such as fire, weather damage, or other disasters.
Need Help ?
Please feel free to contact us. We will get back to you with 1-2 business days. Or just call us now
|| Have Questions? ||
Frequently Asked Questions About Business Insurance
Have questions about commercial insurance? Our experienced agents at our Eagle office are here to help. Below are answers to the most common questions we receive from business owners across Arizona, Idaho, Montana, Oregon, Utah, and Washington. Don’t see your question? Call our Eagle office at (208) 812-7147 to get a free quote today.
What business insurance is required in my state?
Insurance requirements vary by state and industry. Most states require businesses to carry workers’ compensation insurance — construction businesses and those with employees typically require it regardless of size. Commercial auto insurance is required if your business uses vehicles. Requirements differ across Arizona, Idaho, Montana, Oregon, Utah, and Washington. Our agents can help you understand exactly what coverage your business is legally required to carry in your specific state and industry.
How much does business insurance cost?
Business insurance costs vary depending on your industry, number of employees, annual revenue, location, and coverage needs. Rates differ across states and are influenced by local hazards and business environment. As an independent agency working with 100+ insurance companies, we shop the market to find you the most competitive rate for your specific business, industry, and coverage requirements.
What is a Business Owner's Policy (BOP) and do I need one?
A Business Owner’s Policy (BOP) bundles general liability and commercial property coverage into one convenient, cost-effective policy. It’s ideal for small to mid-sized businesses and is often more affordable than purchasing each coverage separately. Our agents can help you determine if a BOP is the right fit for your business.
Does my business need workers' compensation insurance?
Workers’ compensation insurance requirements vary by state and industry. Most businesses with employees are required to carry workers’ comp — construction businesses and contractors especially. We specialize in workers’ compensation for electricians, plumbers, HVAC contractors, assisted living facilities, and other industries across all six service states. Workers’ comp covers medical expenses and lost wages if an employee is injured on the job, protecting both your employees and your business. Learn more about Workers’ Compensation Insurance →
What is cyber liability insurance and does my business need it?
Cyber liability insurance protects your business from the financial impact of data breaches, ransomware attacks, and other cyber threats. Any business storing customer data, payment information, or sensitive business records is at risk. Our agents can help you assess your cyber risk and find affordable coverage to protect your business and your customers’ data.
How do I file a business insurance claim?
Contact our Eagle office at (208) 812-7147 and our team will guide you through the claims process with your insurance company. We are here to make the process as smooth and stress-free as possible.
|| Why Pacific Crest Summit ||
Trusted by Businesses Across the American West
An independent insurance agency with offices in Eagle and Coeur d’Alene, Idaho, our experienced agents bring deep expertise in commercial insurance across Arizona, Idaho, Montana, Oregon, Utah, and Washington. We specialize in protecting construction trades (electricians, plumbers, HVAC contractors), assisted living facilities, hospitality, retail, and professional services — giving business owners the knowledgeable guidance they deserve. We shop the market to find you the best policies at the most competitive rates, so you always have the right coverage for your business and budget.
15+ Years Experience
Multiple Top-Rated Insurance Companies
Licensed Multi-State Commercial Insurance Specialists
Free Quotes with No Obligation
Bilingual Agents Available
Personalized Service & Ongoing Support
Let us find you the right coverage at the right price with personalized service you can trust.
Eagle/Boise Office
P: (208) 812-7147
F: (208) 812-1834
450 W. State St. Ste #280
Eagle, ID 83616
Pacific Crest Summit- Eagle Office
Coeur d'Alene Office
P: (208) 812-7147
F: (208) 812-1834
402 W. Canfield Ave. #2
Coeur d'Alene, ID 83815
|| Get a Quote Today ||
Get Your Free Business Insurance Quote Today
Ready to protect your business? Fill out our quick form and one of our experienced business insurance specialists will contact you with personalized quotes from 100+ top-rated insurance companies. No obligation, no pressure — just honest advice from local experts who put your business first.
|| Get a Quote Today ||
Get Your Free Business Insurance Quote Today
Ready to protect your business? Fill out our quick form and one of our experienced business insurance specialists will contact you with personalized quotes from 100+ top-rated insurance companies. No obligation, no pressure — just honest advice from local experts who put your business first.