Washington Contractors Insurance & L&I Bonds
Washington contractor insurance from a licensed broker who knows L&I registration inside and out. Fast certificates, contractor bonds and coverage built for your trade. Call our Washington line: (509) 355-9480.
Staying Compliant With Washington L&I
Washington contractors register with the Department of Labor & Industries (L&I). To stay active you need a contractor bond ($30,000 for general contractors, $15,000 for specialty contractors) and general liability insurance with L&I listed as certificate holder. If either lapses, your registration can be suspended.
The Hardhat Insurance Team is the construction division of Bearstar Insurance Services. We work with standard and specialty carriers that write Washington contractors, make sure your certificate reaches L&I, and issue Certificates of Insurance that meet general contractor requirements in Seattle, Tacoma, Spokane, Vancouver and the Tri-Cities.
Commercial General Liability
Washington General Liability
L&I requires at least $250,000 combined single limit (or $200,000 bodily injury / $50,000 property damage) to register. Most general contractors and commercial jobs ask for $1M per occurrence / $2M aggregate, so we quote coverage that works for both.
L&I listed as certificate holder.
Additional insured, waiver of subrogation and primary/non-contributory wording when your GC requires it.
Surety Bonds
Washington Contractor Bond
L&I requires a $30,000 bond for general contractors and a $15,000 bond for specialty contractors. We can often issue your bond the same day, with a quick quote and no long application.
Bad credit programs available.
Bond and insurance issued in your exact L&I business name.
Washington is a monopolistic state: workers' comp is purchased through L&I, not private insurers. What L&I doesn't provide is employer's liability, so we add Stop Gap coverage to your policy to protect you if an injured worker sues.
Stop Gap (employer's liability) added to your GL.
Help understanding your L&I risk classes.
Workers' Compensation
What We Cover
Commercial Auto
Work Truck & Fleet
Your personal auto policy may not cover an accident while you're driving for work. From I-5 traffic around Seattle to job sites in Spokane, protect your work trucks and trailers against accidents, theft and uninsured drivers, with higher limits when a contract calls for them.
Builders Risk
Builders Risk (Course of Construction)
Protect your project from fire, wind, water damage and theft of materials on Washington job sites. We cover the structure from the ground up until the job is signed off.
Covers materials on-site and in transit.
Required by most lenders for new construction and remodels.
Inland Marine (Tools & Equipment): Covers theft of your generator, compressor, and hand tools from the job site or your truck.
Professional Liability: For design-build contractors and construction managers.
Excess Liability (Umbrella): When the standard $1M limit isn't enough for a big commercial contract.
And More
Local Service Area
Serving all of Washington. We insure trade specialists statewide.
Western WA: Seattle, Tacoma, Everett, Vancouver.
Eastern WA: Spokane, Yakima, Tri-Cities.
Washington line: (509) 355-9480
Need a COI Today?
Get an L&I-ready certificate from a licensed Washington broker.
Contact
Call
info@hardhatinsurance.net
Hard Hat Insurance is a specialized marketing division of Bearstar Insurance Services.
Insurance services provided by Bearstar Insurance Services.
Jesus Galvan is a licensed insurance broker in CA, NV, TX, AZ, OR, CO, and WA.
License numbers available upon request. Coverage availability varies by state.
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