[WSBARP] Coverage for LLC

[Brent Williams-Ruth]

Mike -

As a 15 year former insurance coverage attorney, I will advise that it
truly does depend on the policy. Are you talking about a homeowner's
policy? A commercial general liability policy? An auto policy? Umbrella?
Professional Malpractice? Is this for a carrier that is an "admitted"
carrier to Washington or an excess or surplus lines carrier that is not
admitted in Washington?

Though, like most of our estate documents, the majority of a policy is
boilerplate and is pulled together through uniform provisions.....it is a
wild west of how terms and conditions are pulled together.

Again, as a former industry representative, I am extremely cautious and
always conservative with - when in down, contact your carrier/agent and
make sure that you have coverage. It was my job to be the one who would
write the "I'm sorry, this is not a covered claim" letter - and we never
lost. Not to say we weren't sued, but I had a 100% perfect trial or Summary
Judgment record because the penalties for improper denial are so terrible
in Washington that we would only ever recommend denial if we were certain
we could win in court.

Good luck!

*Brent Williams-Ruth* (pronouns: he/him)
*Attorney-At-Law*

*Law Offices of Brent Williams-Ruth, **a division of BWR Consulting, PLLC*

*Physical Address: 500 S 336th Street, Suite 214; Federal Way, WA 98003*

*Mailing Address: **PO BOX 3319; Federal Way, WA 98063 *

Office/Scheduling Phone: (253) 285-7751

For All Meetings & Scheduling: info at williams-ruthlaw.com

e-mail <Brent at Williams-RuthLaw.com> / website
<http://www.williams-ruthlaw.com/> / facebook
<http://www.facebook.com/bwrlaw> /


On Wed, Sep 30, 2026 at 12:37 PM Mike Zeno <mikez at zenolawfirm.com> wrote:

> I’ve heard from time to time that if an insured natural person transfers
> to an LLC, the LLC will be an insured under the policy.  Can anyone explain
> why this is so?
>
>
>
> I realize it depends on the policy.  But under the ALTA Homeowners Policy
> (2021), I’m having a hard time finding anything that provides that sort of
> coverage, at least explicitly.  I’ve looked at “Continuation of Coverage,”
> which extends coverage to breach of warranty claims against the insured.
> But often the transfer into the LLC is by quit claim deed, which creates an
> obstacle to the warranty claim (though there are arguments to the contrary
> that might work).  In any case I’m looking for another basis for LLC
> coverage.  The definition of the insured (“You”) doesn’t seem to help.
>
>
>
> Any thoughts?
>
> <https://www.google.com/maps/search/135+Lake+Street+S.,+Suite+257+%0D%0A+Kirkland,+WA+98033?entry=gmail&source=g>
>
>
>
> Mike
>
>
>
> *The Law Office of G. Michael Zeno, Jr., P.S.*
>
> T:  (425) 947-8050   F:  (425) 947-8052
>
> 135 Lake Street S., Suite 257
> <https://www.google.com/maps/search/135+Lake+Street+S.,+Suite+257+%0D%0A+Kirkland,+WA+98033?entry=gmail&source=g>
>
> Kirkland, WA 98033
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