Question 1

What insurance do contractors need in Washington state?

Accepted Answer

Contractors in Washington state need at minimum: general liability insurance, workers compensation (required for all employers), and a contractor's surety bond. Many project owners also require builders risk, commercial auto, and umbrella policies. Specific requirements vary by trade and license type.

Question 2

How much is contractor liability insurance in Seattle?

Accepted Answer

Contractor general liability insurance in Seattle typically costs $1,200 to $5,000+ per year depending on your trade, revenue, number of employees, and claims history. Higher-risk trades like roofing and electrical cost more than painting or landscaping. We compare rates from multiple carriers to find competitive pricing.

Question 3

Is workers comp required for contractors in WA?

Accepted Answer

Yes, workers compensation insurance is required in Washington state for all employers, including contractors who hire employees or subcontractors. Washington uses a state-fund system through the Department of Labor & Industries. Some contractors may also purchase supplemental coverage through private carriers.

Question 4

What is builders risk insurance and do I need it?

Accepted Answer

Builders risk insurance covers structures under construction against damage from fire, wind, theft, and vandalism. If you are building a new structure or doing major renovations, builders risk is typically required by the project owner or lender. Policies are project-specific and usually last 6-12 months.

Question 5

How do I get bonded and insured as a contractor in Washington?

Accepted Answer

To get bonded and insured in Washington, you need a contractor surety bond (required by L&I), general liability insurance, and workers comp coverage. Good People Insurance Group can help you obtain all three. The surety bond typically costs 1-3% of the bond amount. Call us at (425) 777-1858 to get started.

Question 6

Does Good People Insurance cover subcontractors?

Accepted Answer

Yes, we provide coverage for both general contractors and subcontractors in all trades. This includes general liability, tools and equipment coverage, commercial auto, and workers compensation. We understand the certificate of insurance requirements for subcontractors working under general contractors.

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