Contractors Insurance in Washington

Contractors who intend to work in the state of Washington are required to be registered with the Washington State Department of Labor and Industries. Plumbing contractors must be certified and Electrical contractors must be licensed. Although Washington does not require state licensing, contractors must be “registered.” For a list of specialty contracting trades in Washington, visit the Washington State Legislature website. Click here for information regarding permits and inspections.

As for workers’ compensation insurance, the state of Washington requires all employers with one or more employees (regardless of hours worked) to carry this coverage. Workers’ compensation insurance can only be purchased through Washington’s state-administered workers’ comp fund and not from private insurance companies. Visit the Department of Labor & Industries for more information.

Protect Your Business with Contractors Insurance from Fairbanks Insurance

Even if you are not required to be a licensed contractor in Vermont, your business will be exposed to certain risks everyday you’re open for business. Why jeopardize your business when you can affordably transfer your risks to a highly-rated commercial insurance company represented by Fairbanks Insurance Brokers.

Here is What We Recommend:

General Liability

Contractor General Liability Insurance is used as a shield against third party lawsuits that are likely to be a result of negligence by you or an employee. These potential legal actions generally arise when the contractor’s negligence has resulted in Bodily Injury, Property Damage or Personal/Advertising Injury that has happened while a construction operation is ongoing or even several years after the project has been completed.

Your General Liability Coverage will include:

  • Your liability resulting from bodily injury or property damage
  • Contractual Liability for third parties
  • Products Completed Operations
  • Defense costs

Workers' Comp

According to the Washington Department of Labor and Industries all public and private businesses in the state are required to provide workers' compensation coverage if they have one or more employees. A person hired to perform services for pay is presumed by law to be an employee. This includes all persons elected or appointed to public sector service and all persons appointed or hired by private employers for remuneration. Workers’ comp insurance can only be purchased through the Washington state-administered workers’ comp fund.

Commercial Auto

Washington contractors use several types of vehicles for their business operations and as such, they need commercial auto insurance because this coverage offers liability limits, no limit on the number of vehicles on a policy, and no limit to the number of drivers to be insured. Never trust your commercial vehicles to a personal auto policy.

Tool Coverage

Certainly, many contractors use expensive tools and equipment in the course of performing their jobs. The loss of these tools can be financially detrimental to any contractor and as such, it’s important to transfer the risk of damages or theft to a highly-rated insurance carrier. In most cases, the cost of dependable tool coverage will be less than security cameras, chains, and expense locks.

Surety Bonds

Although many contractors confuse surety bonds with insurance, a surety bond represents a guarantee to pay that is similar to a line of credit. General large customers and government entities will require some form of surety bond before to bid on and work on a project. Fairbanks Insurance Brokers can meet your surety needs no matter what the requirement is.

Fairbanks Insurance Brokers is a leader in providing contractors insurance and is dedicated to providing Contractors and Builders the finest insurance protection at the lowest rates throughout the construction community.

With savings up to 65% on General Liability, Workers’ Compensation, Commercial Auto and Bonds, you can count on us to do the heavy lifting and provide you the most competitive quote that includes all the discounts for which you qualify.


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