- WA general contractors: $30,000 bond plus GL minimums.
- OR residential general contractors: $500,000 per occurrence.
- Collect COIs and license checks for every sub.
What a GC typically carries
- General liability (state minimum where one exists)
- Workers' compensation for employees
- License bond where the state requires it
- Commercial auto for work vehicles
| Washington requirement | Amount | Source |
|---|---|---|
| General contractor bond | $30,000 | RCW 18.27.040 (since July 1, 2024) |
| Specialty contractor bond | $15,000 | RCW 18.27.040 |
| General liability | $200,000 public liability + $50,000 property damage, or $250,000 combined single limit | WA L&I |
| Certificate holder | L&I must be listed | WA L&I |
Managing subcontractors
Verify each sub's license status and insurance before they start. In California, the CSLB record shows each license's workers' comp status.
- Sub's license is active and covers the trade
- Expiry date is after the job ends
- COI received with you as certificate holder
- Workers' comp proof or valid exemption
- Written contract with business name matching the license
Check the license behind the policy
Insurers and clients look at your license status first. See what the state shows for you — free.
California data
Source: CSLB License Master file, October 2026, 244,107 records.
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FAQ
Is general liability insurance required for contractors?
It depends on the state. Washington and Oregon set minimums as a condition of registration/licensing; many states do not, but clients and GCs commonly require a COI.
Does general liability cover my employees?
No. Employee injuries are covered by workers' compensation.
Is a license bond the same as insurance?
No. A bond protects consumers and the state; the contractor must repay the surety for claims paid.
Still unsure?
Answer 3 quick questions and we'll point you to the right official rules.