What contractor insurance is required in Washington?

Washington contractors typically need general liability insurance, and if they have employees, workers' compensation coverage through Washington State Department of Labor & Industries (L&I). Many projects also require performance and payment bonds.

Do I need a contractor license in Washington?

Yes, most contracting work in Washington requires a contractor license from the Washington State Department of Labor & Industries. Different trades have specific licensing requirements and continuing education needs.

How do I verify CCA's Washington insurance license?

You can verify Contractors Choice Agency's Washington insurance license (Agency #706249) through the Washington State Office of the Insurance Commissioner at https://www.insurance.wa.gov/ or contact the department directly.

The Evergreen State

WashingtonContractor Insurance

Get licensed and insured in Washington with comprehensive coverage and competitive rates. Expert service from licensed professionals who understand Washington L&I requirements and seismic construction standards.

7.8M+

Population

185K+

Contractors

Counties

#27 Construction State

Jump to the information you need most

Insurance Requirements Overview

Required coverage and minimum limits

License Types & Costs

All contractor license categories and fees

Business Formation Guide

LLC vs Corporation setup process

Seismic Safety Requirements

Essential earthquake coverage for Washington contractors

Frequently Asked Questions

Common questions about licensing and insurance

Washington Contractor Insurance Overview

Quick answers to the most searched questions about Washington contractor requirements

What insurance is required for Washington contractors?

Washington contractors need general liability insurance with minimum $50,000 coverage for most license types. This includes bodily injury protection, property damage coverage, completed operations coverage, and personal injury protection.

How much does contractor insurance cost in Washington?

General liability typically costs $1,800-$7,500 annually, workers compensation runs through the state fund at $6-$12 per $100 of payroll, and commercial auto ranges $2,800-$5,500. Costs vary by location and trade type.

Washington contractor license requirements

Washington contractor licenses require passing state exams, proof of insurance and $30,000/$15,000 bonds, 4 years experience (or education equivalent), L&I registration, and application fees of $141.10 plus exam fees.

Earthquake insurance for contractors Washington

While not legally required, earthquake coverage is highly recommended due to seismic activity. Your general liability and property insurance may exclude earthquake damage. Consider seismic retrofitting coverage and equipment protection.

Need specific coverage recommendations for your Washington contracting business?

Get Personalized Quote

7.8M+

Population

$780B

GDP

185K+

Construction Workers

39 Counties

Service Areas

Washington Contractor Insurance Costs

Average annual costs by coverage type - actual rates depend on specific business factors

Coverage Type	Average Cost	What It Covers	Rate Factors
General Liability	$1,800 - $7,500/year	Bodily injury, property damage, completed operations	Trade type Experience Location Coverage limits
Workers Compensation	$6 - $12 per $100 payroll	State fund coverage for all employees, covers injuries on job	Industry class code Claims history Payroll amount Safety programs
Commercial Auto	$2,800 - $5,500/year	Vehicle liability, physical damage for business vehicles	Vehicle type Driver records Usage Coverage limits
Contractor Bond	$30,000/$15,000	Required by license type, guarantees work completion	License type Credit score Financial strength Experience

Get Your Exact Washington Quote

These are average ranges. Your actual costs depend on your specific business, location, and coverage needs.

Calculate My Costs

* Costs shown are estimates based on industry averages. Seismic risk in certain areas may affect premiums.

Washington Contractor Insurance Types

Essential coverage types for contractors operating in Washington State

General Liability Insurance

Required for most contractor licenses in Washington

Typical Minimums

$50,000 - $1,000,000

Key Features:

Bodily injury and property damage

Personal and advertising injury

Products and completed operations

Medical expense coverage

Legal defense costs

Aggregate coverage limits

Learn More

Workers Compensation Insurance

Required for all employees in Washington through State Fund

Typical Minimums

State Fund Rates

Key Features:

Medical expense coverage

Lost wage replacement

Disability benefits

Vocational rehabilitation

Death benefits for families

Return-to-work programs

Learn More

Commercial Auto Insurance

Required for business vehicles and equipment transport

Typical Minimums

$25,000/$50,000/$10,000

Key Features:

Liability coverage

Physical damage protection

Uninsured motorist coverage

Medical payments

Equipment and tools coverage

Hired and non-owned auto

Learn More

Contractor Bonds

Required for Washington contractor licenses

Typical Minimums

$30,000/$15,000

Key Features:

Performance bonds

Payment bonds

License bonds

Permit bonds

Supply bonds

Subdivision bonds

Learn More

Professional Liability

Errors and omissions coverage for design professionals

Typical Minimums

$1,000,000 typical

Key Features:

Design error coverage

Professional negligence

Failure to deliver services

Breach of contract

Defense cost coverage

Prior acts coverage

Learn More

Earthquake Insurance

Specialized coverage for seismic activity damage

Typical Minimums

Varies by project

Key Features:

Earthquake damage coverage

Seismic retrofitting costs

Business interruption

Equipment protection

Debris removal

Code upgrade coverage

Learn More

Legal Protection

Washington Legal Timelines for Contractors

Understanding Washington's statute of limitations and repose periods helps contractors plan appropriate insurance coverage and manage long-term liability exposure.

Key Legal Timelines

Construction Defects

6 years from substantial completion

Claims for construction defects must be filed within 6 years

Required Coverage:

General liability with completed operations coverage

Professional Services

3 years from discovery

Professional liability claims for design errors and omissions

Required Coverage:

Professional liability/E&O insurance required

Personal Injury

3 years from incident

Bodily injury claims from construction accidents

Required Coverage:

General liability with adequate limits

Property Damage

3 years from discovery

Claims for damage to third-party property

Required Coverage:

General liability property damage coverage

Washington Legal Advantages

Predictable Legal Environment

Washington provides clear statutes of limitations and repose periods, helping contractors understand their long-term liability exposure.

Reasonable Time Limits

Six-year statute of repose for construction defects provides reasonable protection while ensuring injured parties have adequate time to discover issues.

Professional Liability Framework

Clear distinction between construction and professional services helps determine appropriate insurance coverage requirements.

Comparative Fault System

Washington uses pure comparative negligence, allowing for proportional liability allocation among multiple parties.

Important Legal Notice

This information is for general guidance only and should not be considered legal advice. Statutes of limitations and repose can be complex with various exceptions and extensions. Consult with qualified legal counsel for specific situations and current law interpretations.

Protect Your Washington Business

Understanding legal timelines is crucial for proper insurance planning. Our coverage experts help Washington contractors choose appropriate limits and coverage periods to protect against long-term liability exposure.

Professional Liability CoverageGet Legal Protection Quote

Competitive Advantages

Why Choose Washington for Construction Business

Washington offers unique advantages for contractors including favorable tax structure, strong legal framework, and growing construction market opportunities.

$18.2B

Annual Construction Value

+12% growth

185K+

Construction Workers

Skilled workforce

Counties Served

Statewide opportunities

#27

Construction Ranking

Growth potential

No State Income Tax

Lower operational costs

Washington has no state income tax, providing significant cost savings for contractors and their employees compared to other states.

Strong Legal Framework

Reduced legal risk

Predictable construction laws, clear lien procedures, and reasonable statute of limitations provide contractors with legal certainty.

State Fund Workers Comp

Cost-effective coverage

Washington State Fund provides competitive workers compensation rates and comprehensive coverage with predictable pricing.

Skilled Workforce

Quality workforce

Access to highly trained construction workers through strong apprenticeship programs and technical education systems.

Innovation Hub

Growth opportunities

Leading technology sector drives demand for innovative construction solutions and sustainable building practices.

Environmental Leadership

Market differentiation

Progressive environmental standards create opportunities for green construction and energy-efficient building specialists.

High-Growth Construction Sectors

Technology Infrastructure

Data centers, fiber optic networks, and smart building systems

Sustainable Construction

Green buildings, renewable energy projects, and LEED certification

Transportation

Transit expansion, highway improvements, and infrastructure upgrades

Start Your Washington Construction Business

$30,000

Min Insurance

$200,000/$50,000 or $250,000 CSL

Get Quote

L&I Registration Requirements

Washington contractor registration fee is $141.10 plus applicable exam fees. Bond amounts shown increased July 1, 2024. ALL contractors must register with L&I - there is no "unregistered contractor" category for commercial work. Workers compensation coverage through the State Fund is mandatory for all employees.

Washington Service Areas

We provide contractor insurance coverage throughout Washington State

Seattle

Spokane

Tacoma

Vancouver

Bellevue

Kent

Everett

Renton

Yakima

Federal Way

Spokane Valley

Bellingham

Kennewick

Auburn

Pasco

Marysville

Lakewood

Redmond

Shoreline

Richland

Statewide Coverage

Direct profit ownership.

Easy to dissolve.

Learn More

Washington Secretary of State

File your business formation documents directly with the Washington Secretary of State. Online filing is available for most business types with expedited processing options.

Visit WA SOS

* Costs and processing times are subject to change. Additional fees may apply for expedited processing or registered agent services.

Seismic Zone Requirements

Washington Earthquake Safety Requirements

Requirements:

Minimum seismic standards
Standard building codes
Regular safety inspections
Optional earthquake insurance

Seismic Safety Timeline

Pre-Construction

Site seismic hazard assessment
Soil conditions evaluation
Foundation design review
Insurance coverage verification

During Construction

Special seismic inspections
Material testing compliance
Connection detail verification
Progress documentation

Post-Construction

Final seismic compliance check
Certificate of occupancy
Emergency response planning
Insurance claim procedures

Earthquake Insurance Protection

Standard general liability and property insurance may exclude earthquake damage. Protect your Washington contracting business with specialized earthquake coverage that includes equipment, structures, and business interruption protection.

Learn About Earthquake CoverageGet Seismic Coverage Quote

How to Start Your LLC in Florida

Complete step-by-step guide to forming your contractor LLC in Florida

Total Cost: $125 state fee + optional services

Step 1: Choose Your LLC Name

Must include "LLC" and be unique in Florida

Free (or $25 to reserve)

Check availability at sunbiz.org.
Must not conflict with existing businesses.
Cannot mislead about services offered.
Reserve name for $25 if needed (120 days).

Step 2: Appoint Registered Agent

Required Florida resident or entity to receive legal documents

$0-$300/year

Must have FL street address (no P.O. boxes).
Available during business hours.
Can be owner, employee, or service company.
Required for entire life of LLC.

Step 3: File Articles of Organization

Submit formation documents to Florida Department of State

$125 state fee

File online at sunbiz.org.
Include business name and registered agent.
Specify management structure.
Processing takes 5-7 business days.

Step 4: Create Operating Agreement

Define ownership structure and operational procedures

$0-$1,500

Not required but highly recommended.
Protects multi-member LLC interests.
Establishes management structure.
Defines profit/loss distribution.

Step 5: Obtain Federal EIN

Get Employer Identification Number from IRS

Free from IRS

Required for tax filings and banking.
Apply online at irs.gov (completely free).
Available immediately upon approval.
Needed even for single-member LLCs.
Never pay third-party services - IRS never charges.

Step 6: Register for Florida Taxes

Free

Sales tax registration if applicable.
Reemployment tax registration.
Corporate income tax (if applicable).
Online registration available.

Get Your Federal EIN (FEIN) - Free from IRS.gov

Note: EIN, FEIN, Tax ID Number, Federal Tax ID, and Employer Tax ID all refer to the same 9-digit number (XX-XXXXXXX format). Different forms and agencies may use different names, but they're all requesting the same identifier.

Official IRS Website:

• Apply online at irs.gov/businesses
• Completely free - IRS never charges fees
• Available immediately upon completion
• Required for business banking and taxes

Avoid Third-Party Scams:

• Never pay companies charging EIN fees
• Only use official irs.gov website
• Beware of misleading advertisements
• EIN application is always free from IRS

Why Florida is Great for Contractor LLCs

No State Income Tax

Florida has no state income tax on business or personal income

Low Filing Fees

Among the lowest LLC filing fees in the nation at just $125

Strong Construction Market

Booming construction industry with year-round building season

County & Municipal Licensing Requirements

Additional licensing requirements by major Florida counties

Miami-Dade County

Population: 2,716,940

Special Notes:

Renewal: Per projectInfo

Florida Business Licensing Notes

State-Level Requirements:

• State contractor license through DBPR
• Workers' compensation insurance mandatory
• General liability insurance required
• Annual license renewal required

Local Considerations:

• Business tax receipts vary by county/city
• Building permits required for most work
• Some counties have additional contractor registration
• Check municipal requirements before starting work

Why Choose CCA for Florida Insurance?

Specialized expertise for Florida contractors with local knowledge and competitive rates

Florida Licensing Expertise

Complete support for Florida contractor licensing and DBPR compliance requirements

Hurricane Coverage Specialists

Expert guidance on hurricane, windstorm, and flood coverage for coastal contractors

Competitive Florida Rates

Access to multiple carriers specializing in Florida construction risks for best pricing

Fast Service & Quotes

Quick quotes and efficient processing for urgent licensing and project needs

Claims Support

Expert assistance throughout the claims process with Florida-specific knowledge

Local Market Knowledge

Understanding of Florida construction market, regulations, and regional requirements

15+ Years

Florida Market Experience

67 Counties

Statewide Coverage

24/7

Claims Support

Starting a Business in Florida

Official FL Business Registration:sunbiz.org

Business Structure Options

LLC

Most popular choice for contractors - flexible and simple

$125

5-7 business days

Limited liability protection
Pass-through taxation available
Flexible management structure
Fewer formal requirements than corporation

Corporation

Traditional business structure with formal requirements

$70

5-7 business days

Strong liability protection
Professional credibility
Easier access to capital and bonding
Perpetual existence

Partnership

For contractors working with business partners

$125

5-7 business days

Shared management responsibilities
Pass-through taxation
Flexible profit sharing
Lower formation costs

Business Registration Process

Choose Business Structure

Select LLC, Corporation, or Partnership based on your contracting needs

1 day

Free consultation

Reserve Name (Optional)

Reserve your business name with Florida Department of State for 120 days

1-2 days

$87.50

File Formation Documents

Submit Articles of Incorporation/Organization online at sunbiz.org

5-7 days

$70-$125

Obtain Federal EIN

Get Federal Employer Identification Number from IRS at irs.gov (completely free)

Same day

Free from IRS

Register for State Taxes

1-2 days

Free

Get Required Insurance

Obtain contractor insurance and bonding before beginning operations

1-3 days

Varies by coverage

Important Florida Business Registration Notes

Required Information:

• Business name and registered address
• Registered agent information
• Business purpose and activities
• Officer/member information and signatures

Ongoing Requirements:

• Annual report filing by May 1st
• Maintain registered agent
• Update business information changes
• Renew contractor licenses and insurance

Why Form a Business Entity for Your Florida Contracting Company?

Protect yourself, save on taxes, and grow your contracting business with proper business formation

Liability Protection

Personal assets protected from business debts, lawsuits, and contractor claims

Tax Advantages

Choose optimal tax structure - pass-through taxation or corporate rates

Professional Credibility

Enhanced business credibility with clients, suppliers, and bonding companies

Business Growth

Easier access to business credit, loans, and investment opportunities

Employee Benefits

Ability to offer competitive benefits packages and attract skilled workers

Licensing Compliance

Meets Florida contractor licensing requirements and bonding capacity

Sole Proprietorship vs. Business Entity Comparison

Aspect	Sole Proprietorship	LLC/Corporation
Personal Liability	Unlimited personal liability	Limited liability protection
Tax Treatment	Personal tax rates apply	Flexible tax elections available
Business Credibility	Limited professional image	Enhanced credibility with clients
Bonding Capacity	Personal credit dependent	Business credit builds capacity
Growth Potential	Limited expansion options	Multiple growth strategies available

Ready to Form Your Florida Contracting Business?

Get proper business formation and insurance protection to start your contracting company right

Florida Insurance & Regulatory Resources

Essential state-specific resources for contractors

Florida Insurance Department

• Insurance complaint procedures
• Rate filing information
• Agent licensing verification
• Consumer protection resources

Visit FLOIR

DBPR Contractor Licensing

• Contractor license applications
• Exam scheduling and prep
• License verification search
• Continuing education requirements

Visit DBPR

Florida Department of Revenue

• Sales tax registration
• Reemployment tax setup
• Business tax account management
• Tax filing requirements

Visit DOR

Regional State Comparisons

Compare Florida contractor requirements with neighboring and similar climate states:

Alabama

Gulf Coast neighbor

South Carolina

Coastal construction

Louisiana

Hurricane exposure

Mississippi

Storm risk similar

Trade-Specific Requirements & Development

Comprehensive licensing, education, and career opportunities for Florida contractors across specialized trades

Electrical Contractors

$58,000 - $95,000

+8% (2023-2033)

Licensing Requirements

State certified electrical contractor license (EC)
Bond only required if credit score <660
$100K GL + $25K PD minimum
Workers compensation mandatory
Business competency & financial responsibility exam

Continuing Education

14 hours every 2 years continuing education
National Electrical Code (NEC) updates
OSHA 10-hour safety training required
Arc flash and electrical safety training

Common Specializations

Residential wiring and service panels
Commercial electrical systems
Solar panel installation and grid-tie systems
Electric vehicle charging stations
Smart home automation systems

Insurance Considerations

• Higher liability limits for commercial work
• Errors & omissions coverage recommended
• Equipment coverage for expensive tools

Plumbing Contractors

$52,000 - $88,000

+15% (2023-2033)

Licensing Requirements

State certified plumbing contractor license (PC)
Bond only required if credit score <660
$100K GL + $25K PD minimum
Backflow prevention device tester certification
Water management and cross-connection control

Continuing Education

14 hours every 2 years continuing education
Florida Plumbing Code updates
Water quality and safety training
Green plumbing and water conservation

Common Specializations

Residential plumbing and repiping
Commercial plumbing systems
Water heater installation and repair
Sewer line inspection and repair
Water filtration and treatment systems

Insurance Considerations

• Water damage liability coverage essential
• Pollution liability for sewer work
• Completed operations coverage important

HVAC Contractors

$55,000 - $92,000

+13% (2023-2033)

Licensing Requirements

State certified mechanical contractor license (MC)
Bond only required if credit score <660
$100K GL + $25K PD minimum
EPA Section 608 refrigerant handling certification
Energy efficiency specialist certification

Continuing Education

14 hours every 2 years continuing education
Energy efficiency standards and codes
Indoor air quality requirements
Heat pump and ductless system training

Common Specializations

Residential HVAC installation and repair
Commercial refrigeration systems
Heat pump and ductless mini-split systems
Indoor air quality solutions
Energy-efficient system design

Insurance Considerations

• Refrigerant pollution liability coverage
• Equipment breakdown coverage recommended
• Professional liability for system design

Roofing Contractors

$49,000 - $89,000

+11% (2023-2033)

Licensing Requirements

State certified roofing contractor license (RC)
Bond only required if credit score <660
$100K GL + $25K PD minimum
Hurricane mitigation specialist certification
GAF, CertainTeed, or manufacturer certifications

Continuing Education

14 hours every 2 years continuing education
Florida Building Code updates
Wind resistance and hurricane standards
Roof inspection and maintenance training

Common Specializations

Residential re-roofing and repairs
Commercial flat roof systems
Hurricane damage restoration
Solar panel integration
Green roof and sustainable systems

Insurance Considerations

• Higher liability limits due to fall risks
• Completed operations essential for warranty work
• Weather-related damage considerations

General Contractors

$62,000 - $115,000

+10% (2023-2033)

Licensing Requirements

State certified general contractor license (CGC)
Bond only required if credit score <660
$300,000 minimum general liability
Business and finance exam required
Trade experience or education requirements

Continuing Education

14 hours every 2 years continuing education
Florida Building Code comprehensive updates
Business management and estimating
Safety management and OSHA compliance

Common Specializations

Custom home construction
Commercial building projects
Renovation and remodeling
Hurricane damage restoration
Sustainable and green building

Insurance Considerations

• Comprehensive general liability essential
• Builder's risk for new construction
• Professional liability for design-build

Pool & Spa Contractors

$45,000 - $78,000

+12% (2023-2033)

Licensing Requirements

State certified swimming pool contractor license (SPC)
Bond only required if credit score <660
$100K GL + $25K PD minimum
Water chemistry and safety certification
Electrical and plumbing sub-contractor coordination

Continuing Education

14 hours every 2 years continuing education
Pool and spa safety code updates
Water chemistry and treatment systems
Energy-efficient pool equipment training

Common Specializations

In-ground pool construction
Pool renovation and remodeling
Commercial pool and spa systems
Pool equipment repair and maintenance
Automated pool control systems

Insurance Considerations

• Specialized aquatic liability coverage
• Equipment and materials coverage
• Completed operations for warranty work

Florida Contractor Development Resources

Professional development opportunities and continuing education providers in Florida

DBPR Approved Schools

Find approved continuing education providers and course offerings throughout Florida

Visit DBPR

Industry Associations

Join professional associations for networking, training, and industry updates

• Florida Contractors Association

• Associated Builders & Contractors

License Renewal

Stay current with renewal deadlines and continuing education requirements

• Biennial renewal required

• 14 hours CE every 2 years

Florida Construction Industry Outlook

Strong growth opportunities across all trades with expanding market demand

+12%

Average Job Growth

2023-2033 Projection

$75K

Median Salary

Across All Trades

Florida Counties

Work Opportunities

$2.8B

Hurricane Recovery

Market Opportunity

Financial Requirements & Bonding

Understanding Florida's bonding and financial responsibility requirements

Public Works Requirements

Bond Thresholds:

• Projects over $200,000: Payment & performance bonds
• Bond amount: 100% of contract value
• Maintenance bonds may be required
• Subcontractor bonds often required

Prequalification:

• Financial capacity documentation
• Experience record requirements
• Equipment and personnel resources
• Safety record evaluation

Lien Laws & Payment Protection

Notice Requirements:

• Notice to Owner: Within 45 days of first work
• Final lien filing: Within 90 days of last work
• Enforcement action: Within 1 year of lien filing
• Specific form requirements must be followed

Payment Timing:

• Private projects: Payment within reasonable time
• Public projects: 25 days after approval
• Retainage: Max 10% on private, 5% on public
• Final payment: Within 30 days of completion

Environmental & Safety Regulations

Florida-specific environmental and safety compliance requirements

Environmental Compliance

• Stormwater pollution prevention
• Wetlands protection requirements
• Coastal construction permitting
• Waste disposal regulations
• Air quality monitoring
• Underground storage tank rules

Florida DEP

OSHA Safety Requirements

• Federal OSHA standards apply
• Fall protection requirements
• Hazard communication standards
• Personal protective equipment
• Trenching and excavation safety
• Electrical safety standards

OSHA Standards

Florida Building Code

• 2020 Florida Building Code adopted
• Hurricane resistance requirements
• Energy efficiency standards
• Accessibility compliance (ADA)
• Fire safety requirements
• Structural design standards

FL Building Code

Professional Associations & Resources

Connect with Florida contractor associations and professional development resources

State Contractor Associations

Associated Builders and Contractors of Florida
General contractors and trade associations
Visit FRSA
Florida Home Builders Association
Residential construction industry
Visit FHBA
Florida Roofing and Sheet Metal Contractors Association
Roofing industry professionals
Visit FRSA

Training & Education Resources

Florida International University Construction Management
Degree and certificate programs
Visit FLDOE
State College of Florida Construction Programs
Trade and technical education
Visit SCF
Florida Apprenticeship Programs
Registered apprenticeship opportunities
Visit FLDOE

Business Development Resources

Florida SBDC Network
Small business consulting and training
Visit FL SBDC
SCORE Florida
Free business mentoring
Visit SCORE
SelectFlorida
Economic development and business assistance
Visit SelectFlorida

FAQ

Washington Contractor Insurance FAQ

Common questions about Washington contractor licensing, insurance requirements, and L&I registration

Still Have Questions?

Our licensed insurance professionals are here to help with your Washington contractor insurance needs.

Call (844) 967-5247Get Free Quote

Ready to Get Washington Contractor Insurance?

Get comprehensive coverage tailored to Washington's unique requirements. Licensed professionals ready to help with L&I registration and licensing.

Call (844) 967-5247Get Online Quote

Washington Resources

Featured Washington Insurance Guides

Essential insurance information specifically for Washington contractors

February 1, 2025•12 min read

Washington Contractor Insurance Guide

Complete guide to Washington contractor insurance requirements, L&I registration, and seismic construction coverage.

October 30, 2024•15 min read

Workers Compensation Complete Guide

Comprehensive guide to workers compensation insurance including Washington State Fund requirements.

August 15, 2024•10 min read

Earthquake Safety Construction Insurance

Essential seismic safety and insurance coverage for construction projects in earthquake-prone regions.

View All Washington Insurance Articles

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Coverage Type

Average Cost

What It Covers

Rate Factors

General Liability

$1,800 - $7,500/year

Bodily injury, property damage, completed operations

Trade type
Experience
Location
Coverage limits

Workers Compensation

$6 - $12 per $100 payroll

State fund coverage for all employees, covers injuries on job

Industry class code
Claims history
Payroll amount
Safety programs

Commercial Auto

$2,800 - $5,500/year

Vehicle liability, physical damage for business vehicles

Vehicle type
Driver records
Usage
Coverage limits

Contractor Bond

$30,000/$15,000

Required by license type, guarantees work completion

License type
Credit score
Financial strength
Experience

Aspect

Sole Proprietorship

LLC/Corporation

Personal Liability

Unlimited personal liability

Limited liability protection

Tax Treatment

Personal tax rates apply

Flexible tax elections available

Business Credibility

Limited professional image

Enhanced credibility with clients

Bonding Capacity

Personal credit dependent

Business credit builds capacity

Growth Potential

Limited expansion options

Multiple growth strategies available

WashingtonContractor Insurance

Table of Contents

Insurance Requirements Overview

License Types & Costs

Business Formation Guide

Seismic Safety Requirements

Frequently Asked Questions

Washington Contractor Insurance Overview

What insurance is required for Washington contractors?

How much does contractor insurance cost in Washington?

Washington contractor license requirements

Earthquake insurance for contractors Washington

Washington Contractor Insurance Costs

Get Your Exact Washington Quote

Washington Contractor Insurance Types

Washington Legal Timelines for Contractors

Key Legal Timelines

Construction Defects

Professional Services

Personal Injury

Property Damage

Washington Legal Advantages

Predictable Legal Environment

Reasonable Time Limits

Professional Liability Framework

Comparative Fault System

Important Legal Notice

Protect Your Washington Business

Why Choose Washington for Construction Business

No State Income Tax

Strong Legal Framework

State Fund Workers Comp

Skilled Workforce

Innovation Hub

Environmental Leadership

High-Growth Construction Sectors

Technology Infrastructure

Sustainable Construction

Transportation

Start Your Washington Construction Business

Washington Contractor License Requirements

General Contractor

Specialty Contractor

Electrical Contractor

Plumbing Contractor

HVAC Contractor

L&I Registration Requirements

Washington Service Areas

Statewide Coverage

Washington Business Formation Options

Corporation

Limited Liability Company (LLC)

Limited Partnership

Sole Proprietorship

Washington Secretary of State

Washington Earthquake Safety Requirements

Seismic Risk Zones in Washington

High Risk Zones

Moderate Risk Zones

Lower Risk Zones

Seismic Safety Timeline

Pre-Construction

During Construction

Post-Construction

Earthquake Insurance Protection

How to Start Your LLC in Florida

Step 1: Choose Your LLC Name

Step 2: Appoint Registered Agent

Step 3: File Articles of Organization

Step 4: Create Operating Agreement

Step 5: Obtain Federal EIN

Step 6: Register for Florida Taxes

Get Your Federal EIN (FEIN) - Free from IRS.gov

Official IRS Website:

Avoid Third-Party Scams:

Why Florida is Great for Contractor LLCs

No State Income Tax

Low Filing Fees

Strong Construction Market

County & Municipal Licensing Requirements