Contractor Insurance
in Washington

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.
- General Liability Insurance
Covers property damage, third-party injuries, and legal costs tied to your contracting work.
- Workers’ Compensation Insurance
Pays for medical bills and lost wages if your employee is injured on the job.
- Commercial Auto Insurance
Protects business vehicles used to haul tools, materials, or employees between job sites.
- Tools & Equipment Insurance
Covers repair or replacement costs for stolen, lost, or damaged contractor gear.
- Builder’s Risk Insurance
Insures buildings under construction against fire, vandalism, theft, and weather damage.
- Professional Liability Insurance
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:
- General Contractors
- Electricians
- Plumbers
- Roofers
- HVAC Technicians
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
- Policy Type
General liability, workers’ comp, and more
- Business Size
Number of employees and annual revenue
- Work Type
High-risk trades like roofing typically cost more
- Location
Premiums vary between urban and rural areas
- Coverage limits & deductibles
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.