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Guide

Washington contractor insurance requirements

Washington sets insurance and bond minimums to register as a contractor.

On this page
  1. Requirements
  2. Workers' comp
  3. Check a WA registration
Key takeaways
  • GL: $200,000 public liability + $50,000 property damage, or $250,000 CSL.
  • L&I must be the certificate holder.
  • Bond: $30,000 general / $15,000 specialty (since July 1, 2024).
  • Workers' comp comes from L&I (monopolistic state).

Requirements

Washington requirementAmountSource
General contractor bond$30,000RCW 18.27.040 (since July 1, 2024)
Specialty contractor bond$15,000RCW 18.27.040
General liability$200,000 public liability + $50,000 property damage, or $250,000 combined single limitWA L&I
Certificate holderL&I must be listedWA L&I

Workers' comp

Washington is one of four monopolistic states (with OH, ND, WY): coverage comes from the state fund via L&I. See WA workers' comp.

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