Get contractor insurance in Washington State. General liability, workers comp, and commercial auto for general contractors, subs, and specialty trades. Same-day coverage.
Most contractors in Washington need the following types of coverage to protect their business:
Protects against third-party claims for bodily injury, property damage, and advertising injury.
From $19.99/moCovers employee injuries and illnesses that occur on the job.
Covers vehicles used for business purposes.
From $99.99/moHere's what contractors need to know about insurance requirements in Washington State:
Not sure what coverage you need? Our team can help you understand Washington's requirements for your specific situation.
Get Expert GuidanceWashington contractors typically need general liability insurance, workers compensation (if you have employees), and commercial auto insurance for work vehicles. Many clients and general contractors require a minimum of $1M per occurrence and $2M aggregate coverage.
Contractor insurance in Washington typically costs between $64.99 and $299.99 per month, depending on your trade, revenue, and coverage needs. Low-risk trades like painting start lower, while roofing and electrical work cost more.
Yes, most general contractors in Washington require subcontractors to carry their own general liability insurance, typically with $1M/$2M limits. This protects both you and the GC from liability claims.
A certificate of insurance (COI) is a document proving your coverage to clients. SmartInsured provides free certificates of insurance, often available same-day after your policy is bound.
Yes, contractors in Washington must register with the Department of Labor & Industries (L&I). Some specialty trades require additional licensing. General contractors need a contractor license, bond, and insurance.
Working without insurance puts your personal assets at risk. If someone is injured or property is damaged, you could be personally liable. Many clients won't hire uninsured contractors, and you may face fines for violating L&I requirements.
Get a free quote in minutes. Our Washington State insurance experts are here to help you find the right coverage at the best price.
