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Contractor Insurance
in Washington

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Don’t Risk Fines or Job Delays—Get Compliant Coverage for Washington Contractors

Washington’s construction industry faces unique challenges—from frequent rainfall and landslide risks to strict state licensing rules and safety regulations. Whether you’re framing homes in Spokane or managing roofing projects in Seattle, your business needs coverage that meets Washington’s standards and shields you from unexpected setbacks.

 

At Affordable Contractors Insurance (ACI), we specialize in affordable, customized contractor policies that help you stay compliant, safeguard your crew, and keep jobs on track.

Why Contractors in Washington Choose ACI

Local Expertise
Washington-specific coverage and compliance support

Bundled Savings
Combine policies to save up to 25%

Fast Certificates
Get proof of insurance when you need it

No Hidden Fees
Transparent pricing tailored to your trade

Dedicated Support
One-on-one help from contractor insurance experts

Insurance Coverage We Offer in Washington

Our contractor insurance policies are built to protect every part of your business—on the job, on the road, and in your shop.

Covers property damage, third-party injuries, and legal costs tied to your contracting work.

Pays for medical bills and lost wages if your employee is injured on the job.

Protects business vehicles used to haul tools, materials, or employees between job sites.

Covers repair or replacement costs for stolen, lost, or damaged contractor gear.

Insures buildings under construction against fire, vandalism, theft, and weather damage.

Helps cover claims of errors, design flaws, or missed project specs—especially on complex builds.

Who We Cover in Washington

If you’re a licensed contractor in Washington, we’ve got a policy built for your trade.

 

Our clients include:

If your boots are on Washington job sites, we’ve built a policy with your trade in mind.

How Much Does Contractor Insurance Cost in Washington?

The cost of contractor insurance in Washington varies by business type, coverage needs, and risk exposure. A small handyman operation will pay far less than a multi-crew roofing business.

Cost Factors

General liability, workers’ comp, and more

Number of employees and annual revenue

High-risk trades like roofing typically cost more

Premiums vary between urban and rural areas

Higher limits cost more; bigger deductibles lower your rate.

Sample Deductible Comparison:
  • $500 deductible = higher monthly premium

  • $1,000 deductible = lower monthly premium

Want a precise number?

Washington Contractor Insurance Requirements

To legally operate as a contractor in Washington, certain insurance and bond requirements must be met under state law.

General Liability Insurance

Required for L&I registration. Minimum coverage: $200K liability and $50K property damage, or a $250K combined limit.

Workers’ Compensation Insurance

Required if you have employees. Must be provided through the state fund or approved self-insurance for injury and wage protection.

Surety Bond

Protects clients and ensures licensing compliance. $30K required for general contractors, $15K for specialty contractors.

Requirements may vary by trade, license type, and city. Get personalized guidance to ensure compliance.

Get a Free Contractor Insurance Quote

in Washington

We make contractor insurance simple. Tell us about your work—we’ll handle the rest and send a free quote.

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