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All businesses with one or more full or part-time employees are required to obtain workers' compensation insurance. Insurance must be purchased from the State Fund.
Sole-Proprietors and Partners are automatically excluded from workers' compensation insurance by statute, but they can elect to be covered on a policy.
Corporate Officers and LLC Members are automatically excluded in coverage, but they may elect to be included for coverage on the application for insurance.
Companies with one or more full or part-time employees are required to purchase workers' compensation insurance in Washington.
Business owners, partners, members and officers are generally excluded from workers' comp coverage in Washington. The state has limits on the number of owners that can be excluded and the level of control required in order to be considered an owner.
Business owners can contact an Employer Services Account Manager at DL&I at 360-902-4817
The state of Washington provides a free online tool for verifying workers' compensation insurance coverage. Anyone can search by business name or FEIN. The results will only show the business name and policy number for employers who have coverage in the state being searched. The information is managed by the X Department of Labor.
workers' compensation verification tool
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Workers' compensation is a commercial insurance product categorized as Property & Casualty
insurance (P&C Insurance). Even though workers' comp is calculated using estimated payroll wages and class
codes, premium is still a separate business expense from the cost of payroll. Washington Employers may treat the cost
of coverage as an expense on their taxes.
Work comp rates for all job classification codes are always expressed as a percentage of $100 in
wages. An annual policy is always subject to an audit because it was based on estimated wages and not actual
Here is an example using two class codes with different estimated payroll for each class code:
In order to calculate the cost of the policy you only need to multiply each rate with its divided
payroll. It benefits employers to re-calculate their premium as their payroll becomes larger than originally
* Additional premium costs may also include an expenses constant, terrorism charges, catastrophe charges and other state surcharges such as a second injury fund or other state assessment fees.
Every state has their own laws to determine how employees must be covered and how they must be
classified for rating premium. A lot of states use state specific class codes and have different requirements for
who is obligated to carry workers' compensation insurance.
If you have employees that travel out of state for work, or they work in multiple states
throughout the year, you may need to buy a policy for each of the states where your employees are located and
working. In most cases, you can cover multiple states on one policy.
Workers' Compensation Insurance in Washington can
be purchased from private insurance companies authorized by the state to provide coverage. The Assigned Risk Pool,
or an alternate State Insurance Fund,
is available for businesses that are unable to find coverage from a private company. Our specialists help will
help you navigate your best options.
Policy premium is based on numerous factors including: class codes assigned to your business and
employees, estimated payroll, covered states, prior policies, owner experience and previous workers compensation
See Washington workers'
comp insurance laws
Washington workers' compensation insurance helps pay claim
expenses when an employee, or a covered sub-contractor, is injured while working for your business. It also shields your
business from other legal liabilities associated with an injured employee. Work comp coverage includes:
Workers' comp insurance pays for the medical expenses associated with claims or injured workers. The cost of
an ER visit, required surgeries and drug prescriptions are some of the covered expenses included under a policy. An
employee injured due to a slip and fall would be covered, for example. Coverage for medical benefits can also include longer term
expenses such as physical therapy or rehabilitation.
Employee Wages- Income Benefits
Most business owners can't afford to continue paying employees if they are unable to work while they are
injured. Workers' comp income benefits in Washington will replace most of your
employees missing income if they are away from work due to an injury or illness. For example, if a construction employee
broke his arm and could not perform the job for 8 weeks, the coverage would make payments to the employee to help replace
the lost wages.
Short-Term and Long-Term Disabilities
Sometimes an injury can cause a partial disability or a more permanent disability. Workers' compensation steps in to help pay the cost of ongoing medical bills and may even replace a portion of wages lost due to the disability. If an employee had a finger amputated due to a work related injury. The employee could be paid a sum (known as an Impairment Rating) for the loss of the finger for permanent disability as well as some temporary disability coverage while recuperating.
Some types of work environments can include occupational exposures that have unforeseen circumstances. A chemical mixing operation, for example, may expose employees to chemical irritants and cause harmful reactions that make them sick. A workers' comp policy would cover the cost of treating an illness caused while performing the job.
Nearly 50,000 deaths happen at work each year. Many of these are in the construction and trucking industries.
A workers' compensation policy is designed to cover the cost of these funerals and to provide death benefits to the employees family. State guidelines often determine the dollar amount of coverage.
Workers' compensation coverage is a No-Fault system designed to prevent costly employee lawsuits related to on-the-job-injuries. Many state provisions include Exclusive Remedy rules that protect covered businesses from these lawsuits in exchange for providing workers' comp coverage for their employees. Claims should be reported to a supervisor with 30 days. Employers should also report any claims or accidents to their insurance company within 30 days from notification.
Enjoy the benefits of our Pay As You Go Workers' Comp Options in
The state of Washington is one of the four remaining monopolistic states in the country. This means that workers' compensation insurance can only be purchased through the Washington State Fund. If you are a Washington employer, or you are doing work in the state of Washington, you will need to contact the Washington Department of Labor and Industries in order to buy workers' compensation coverage.
Out of State Coverage
Workers' Compensation Shop.com can help business owners purchase out-of-state workers' comp coverage when they hire or send employees to work in another state. If you are an Washington employer doing business outside of the state, or you have employees who live outside of Washington, contact us to find affordable a workers' compensation quotes for other states.
Contact one of Our Workers' Comp Specialists today to learn more about our national and multi-state insurance options or start a quote online if your business needs other states workers' comp coverage outside of Washington.
WA Workers' Comp Specialists
All workers' comp rates are set each year by DL&I. Workers' comp rates in Washington will change each year and become effective on January 1st. Employers will typically receive a notice every December with the new rates for each of their classification codes and any changes to their experience modifier.
WA Class Codes
There are about 300 class codes for Washington and insurance rates often vary significantly between employer classification codes. Washington state rates and class codes are published by the Department of Labor and Industries each year. See 2021 Washington State Workers' Compensation Rates.
Fast Workers' Comp Quotes
In other non-monopolistic states, most workers' comp policies can be written to provide multi-state coverage with other states coverage listed in section 3a on the policy. This endorses other states onto the insurance coverage. Contact us today if you do work outside of Washington or hire employees in other states.
Compare Rates With More Carriers
We're a National Agency, and we have tons of carriers offering work comp in Washington. We have access to over 45 insurance companies with a diverse appetite and competitive rates. Our markets know we expect the lowest rates, bigger discounts, and more policy credits when we request a quote.
THE RIGHT QUOTE MAKES A DIFFERENCE.
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Get more information about workers' compensation in Washington:
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