Business insurance · Bellevue, WA
Coverage that matches the business you actually run.
Tell us a little about the business. We reply within one business day.
Most small business policies were bought once, renewed on autopilot, and never checked against the leases and contracts signed since. We review what you have, show you the gaps, and shop the market as an independent broker.
What a renewal skips
Three things we check that an auto-renewal never does.
Renewals copy last year's policy forward. Your business did not stay still, so we start from how it runs today.
Your real values
Equipment bought, space renovated, revenue grown. We rebuild property and income limits from current numbers, so a coinsurance clause cannot shrink your claim.
Your contracts
Leases, client agreements, and GC subcontracts spell out insurance requirements. We read them and confirm the policy has the endorsements they demand.
You, the owner
Business and personal coverage bought from two people who never talk leave gaps in the middle. Trella writes both, so they fit together.
Coverage
The policies a business actually runs on.
Plain explanations of what each policy covers, what it leaves out, and where owners most often get caught.
Business Owners Policy
Property, liability, and lost income bundled into one policy. The right starting point for most small businesses.
Learn moreGeneral Liability
Injury and property damage claims from customers, clients, and the public. The policy most contracts require.
Learn moreProfessional Liability (E&O)
Claims that your advice, work, or service cost a client money. Excluded from every BOP and GL policy.
Learn moreCyber Liability
Ransomware, data breaches, and wire fraud. The claim small businesses are now most likely to file.
Learn moreCommercial Auto
Vehicles your business owns, plus liability when employees drive their own cars for work.
Learn moreCommercial Property
Buildings, equipment, inventory, and improvements, valued at what it would really cost to replace.
Learn moreCommercial Umbrella
Extra liability limits above your GL, auto, and employers liability, usually at a lower cost per dollar.
Learn moreEmployment Practices Liability
Wrongful termination, discrimination, harassment, and retaliation claims from employees and applicants.
Learn moreDirectors & Officers
Personal protection for founders, directors, and officers when management decisions are challenged.
Learn moreWorkers Comp & Stop-Gap (WA)
Washington workers comp runs through L&I. Stop-gap covers the lawsuits L&I does not.
Learn moreSomething more specialized?
Ask us about liquor liability, inland marine for tools and equipment, crime, and contractor bonds.
Not sure what you need?
Send us your current policies. We will tell you what fits, what overlaps, and what is missing.
Start a free reviewIndustries
Built around what you do.
Every industry has its own certificate requirements, audit surprises, and common claims. We start there.
Contractors & Trades
General and specialty contractors, remodelers, electricians, plumbers, landscapers.
See what we buildRestaurants & Food
Restaurants, cafes, bars, breweries, caterers, and food trucks.
See what we buildProfessional Services
Consultants, agencies, accountants, architects, engineers, and advisors.
See what we buildTechnology & Startups
SaaS, software, IT services, and venture-backed startups.
See what we buildReal Estate & Property Owners
Rental portfolios held in LLCs, small commercial and mixed-use buildings.
See what we buildRetail & Shops
Boutiques, specialty retail, showrooms, and ecommerce with inventory.
See what we buildHow it works
A review first. A recommendation second. No pressure either way.
Send what you have
Your current declarations pages, plus any lease or contract with insurance requirements. A 20 minute call fills in the rest.
We review and shop
You get a written summary of gaps and overlaps. If changes make sense, we take your business to the carriers that fit it.
We stay on it
Certificates, new locations, new vehicles, new hires, and an honest review before every renewal.
One broker, both sides
Your business and your household, insured by people who compare notes.
Owners are the most exposed people in any lawsuit against their company. Trella started as a personal insurance brokerage for high-asset households, so we build the commercial umbrella and the personal umbrella together, and make sure LLC property, company vehicles, and your own limits leave nothing in between.
Where the two sides usually collide
- A vehicle titled to the business, driven on weekends
- Rental properties moved into an LLC, insurance left in your name
- A personal umbrella that excludes all business activity
- A liquidity event that raises your personal exposure overnight
For home, auto, and personal umbrella, see Trella Insurance.
Common questions
What does an independent commercial insurance broker do?
An independent broker works for you, not for one insurance company. We compare coverage from multiple carriers, match it to the contracts and leases you have signed, and handle certificates, changes, and renewals through the year.
What does the free policy review include?
We read your current declarations pages and policy forms, compare the limits to your real property values, revenue, and contracts, and give you a written summary of gaps, overlaps, and anything a contract requires that the policy does not provide. There is no charge and no obligation to move your coverage.
How does Trella Commercial get paid?
Like most brokers, we are paid a commission by the insurance company when a policy is placed. The review itself costs you nothing.
Can you issue certificates of insurance quickly?
Yes. Certificate requests are part of the service, including additional insured endorsements when a contract requires them. Send us the contract language and we will confirm the policy actually matches it.
Where do you write business insurance?
Trella is licensed in Washington and Idaho and works with businesses across both states from our base in Bellevue.
Find out what your current policies actually cover.
Send us what you have. We review it line by line against your leases and contracts, and tell you plainly what is missing. Free, and no obligation.