Map showing Capitol Benefits headquartered in the DMV and serving clients across 16 states nationwide

Insurance in Washington, DC

We have served District employers and households since 2007. We place business insurance, employee benefits, home, and auto with more than 100 carriers, and we know the rules that make DC different: workers compensation from the first employee, employer-funded paid family leave, and auto minimums that rise in October 2027. Do not see what you need? We are headquartered in the DMV and serve clients across 16 states.

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What we do in DC

Employee benefitsGroup health, dental, vision, life and disability for employers with 25 to 1,000+ employees in the District, with compliance support and a renewal strategy that starts months ahead. Employee benefits

Business insuranceGeneral liability, workers compensation, property, commercial auto, cyber and professional liability, placed with more than 100 carriers. Business insurance · Industries we serve

Home and autoHomeowners, condo and auto coverage reviewed together, so the limits fit the household. Homeowners insurance · Auto insurance

Life and umbrellaCoverage that protects what you have built. Life insurance · Umbrella insurance · Private client services

Know the DC rules

DC business insurance requirementsWorkers compensation from the first employee, bonds and liability minimums for contractors, and what DC government contracts require. Read the DC requirements guide

DC Paid Family LeaveDC paid leave is funded entirely by employers at 0.75 percent of wages, and benefits changed on October 1, 2026. The employer checklist

Employees in more than one stateMany DC employers have staff living in Maryland and Virginia, and the rules change at every border. What changes at every border

Coverage for DC

Washington, DCEmployee Benefits in Washington, DC · Business Insurance in Washington, DC · Auto Insurance in Washington, DC · Homeowners Insurance in Washington, DC

Talk to someone who knows the District

Our office is in Gaithersburg, and our team works with clients across Maryland, DC and Northern Virginia every day. Every client gets a named advisor who reviews coverage with them every year, not just at renewal.

Contact us · (301) 431-0000