Purchasing Workers Comp Insurance in Washington

Washington Coverage Requirements

    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.

2020 Payroll Limits & Owner Exclusion Requirments

    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

Workers' Comp Insurance Varies by State- Know the Law

Every state has their own rules for how employees must be covered and how they must be classified for rating purposes. A lot of states use state specific class codes and have different requirements for who is obligated to carry workers' compensation insurance coverage.

If you have employees that travel out of state for work, or they work in multiple states throughout the year, you may need to purchase insurance for all the states where your workers are located and working. In most cases, you can add multiple states to 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 State fund coverage, is available for employers who are unable to find coverage from a private company. WorkersCompensationShop.com can 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 claims.

Enjoy the benefits of our Pay As You Go Workers' Comp Options in Washington.

The state of Washington is one of the four remaining monopolistic states in the country. This means 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:

Although Workers Compensation Shop.com can't help employers find coverage in the state of Washington, we often help business owners purchase out-of-state workers comp coverage when they hire or send employees to work in another state. Businesses are required to exclusively purchase workers compensation coverage from the State Fund. If you are an Washington employer doing business outside of the state, or you have employees who live outside of Ohio, please contact one of our Work Comp Specialists at 888-611-7467 to find affordable a workers compensation quotes for other states.


Washington is a Monopolistic State

Washington Rates

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.

Help With Washington 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 2016 Washington State Workers' Compensation Rates.

Multi-State Insurance 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.

Shop Over 35 Insurance Carriers

We're a National Agency, and we have tons of carriers offering work comp in Washington. We have access to over 35 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.


Did you know that the cost of a workers comp policy in Washington can vary significantly between insurance company, underwriter, and insurance agency?
Find the best deal on workers compensation insurance.
Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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