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Washington Workers Comp Info

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WA Workers Comp Information

Information and state rules regarding Washington workers' compensation insurance.

In Washington, workers' compensation insurance is referred to as industrial insurance and is one of the oldest workers compensation systems in the country. The insurance is designed to protect both employees and employers from the financial impact of a work-related injury, accident, or disease.

Coverage is mandatory, and generally prevents an employee from being able to sue an employer for any damages. Coverage must be purchased though the Department of Labor and Industries (DL&I or L&I)). L&I manages all work comp claims and pays all employee benefits from the state pool known as the state fund.

The workers' compensation is a state regulated system and each state has there own laws and rules regarding coverage restrictions, rates, benefits, etc. Employers should always educate themselves regarding state laws on workers' compensation before doing work in or hiring employees from or other states.

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Coverage Exceptions in Washington

Employers are almost always required to provide state fund workers comp to all employees except:

  1. A child under age 18 employed by a parent in agricultural activities on the family farm
  2. A student volunteer (K-12th grade)
  3. A domestic servant in a private home unless you have two or more that are employed regularly for 40 or more hours each per week- then all must be covered
  4. A person who is not a regular employee of the trade, business or profession of the employer and is not working at the employer's private home
  5. A person employed to do gardening, maintenance, repair or similar work at an employer's private home
  6. A person working only in return for aid or sustenance from a religious or charitable organization
  7. A jockey who is participating in or preparing horses for a racing meet licensed by the Washington Horse Racing Commission
  8. A musician or entertainer who is working at a specific engagement and performing no other duties, who is not regularly employed by the purchaser of such services
  9. A newspaper carrier who sells or distributes papers on the street or from house to house
  10. An insurance agent, broker or solicitor
  11. A cosmetologist, beautician or barber who rents or leases booth space
  12. An employee who gets workers' compensation benefits through the Federal Employees Compensation Act, Longshoremen's and Harbor Workers' Compensation Act, Jones Act, or Law Enforcement Officers and Fire Fighters Compensation Plan
Failing to Report or Pay Premium

If an employer fails to file a quarterly report, L&I will estimate the premiums due based on the best information they have on file and we will take steps to collect the premiums owed. They will also assess penalties on delinquent accounts. The longer the account is delinquent, the greater the penalty. The minimum penalty is $10. Employers must submit a report even if they report no hours/units and wages. A late report indicating “no hours/units” will be assessed a $10 penalty. Interest will be assessed on all delinquent accounts at a rate of 1% per month on the premium owed. We count the number of calendar days since the due date including the date we receive the report or payment. Other penalties may be assessed for nonpayment of premiums, misrepresentations, excessive deductions from employees, failure to keep adequate timesheets and payroll records or other violations.

Experience Rating Factors

Experience rating is the result of an businesses workers’ exposure and actual claims, or losses, occurring during a period that we L&I refers to as the experience period .” The result will affect an employers workers’ compensation premium rates for a calendar year. Every eligible employer is experience rated in Washington on an annual basis. An eligible employer is an employer who reported worker hours or units during a given experience period. Businesses that have common majority ownership will generally be experience rated together on the same policy and share the experience factor with other commonly owned companies. In most cases, businesses that are sold and continue to perform the same operations in will have their experience rating factor transferred to the new business owners.

Out of State Employers Working in Washington

Out-of-State employers are permitted to bring workers into the state on a temporary basis (under 30 days) without paying premium to L&I under the following circumstances:

Working in Other States

L&I requires that employers pay premium to the state when employees travel out of state for fewer than 31 days in a calendar year regardless of whether or not premium was paid out of state or not. If employees are out of state more than 30 calendar days a year an employer can apply for out of state reporting. This allows them to only report and pay premium to the out-of-state insurance carrier.

  1. Washington has a reciprocal agreement that assigns coverage to workers home state
  2. No reciprocal agreement, but employer insures worker in home state and the work in Washington does not require contractor registration or licensing in Washington.
Who Pays for Work Comp Coverage

Generally the employer always pays for workers compensation. Washington is the only state that allows the employers to deduct a portion of the cost of workers' compensation from the employees' wages. The employer can deduct up to half of the cost of the premium portion that pays the medical benefits and the portion of the premium that pays the cost of living increases for the injured workers drawing life-time compensation benefits or pensions. Employers must pay the entire portion of the premium that is used to pay loss time compensation and pensions. Overall, employees pay approximately 27% of the total work comp premium to the state.

Domestic Partners in Washington

Washington state law requires registered domestic partners to be treated in the same manner as married spouses for coverage.

More Programs and Quotes

We're always working with our insurance carriers to develop specialized programs for a broad range of industry class codes. Our Target Programs are designed to streamline the underwriting process and help ensure we offer the lowest rates available anywhere.

• Contractors

• Home Healthcare

• Janitorial Services

• Transportation

• Hospitality

• And More

Better programs from your commercial insurance brokers.

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Washington Work Comp Information

Contractors and Sub-Contractors

Contractors who enter into an agreement with sub-contractors who does not have employees may be required to provide coverage for the subcontractor.

An exception to this rule exists when the sub-contractor supplies major equipment to the contractor for work purposes.

Notice- All information posted on this site is intended for informational purposes only and not intended to be legal advice.



We take the time to make sure your business and employees are classified correctly and then we get to work finding the lowest rates available for your insurance coverage.

•   National workers comp Specialists

•   Licensed throughout the United States

•   Programs for standard and tough class codes


Once we've got your best quotes back from our carriers, we take the time to help you understand your options and the next steps to get covered quickly.

•   Pay As You Go insurance coverage

•   Easy billing and installment plans

•   We've helped over 35,000 business owners

Learn more about workers compensation insurance in Washington Work Comp:   Washington | WA Programs| WA Rates | WA Forms | WA Info | WA Quotes
Workers Compensation Agents Help With Workers Comp.

At Workers Compensation, we understand how difficult it can be for employers to manage other state and multi-state workers compensation policies. The rules and regulations from one state to the next often vary considerably from one state to the next. Our agents have hands-on experience helping employers find the best coverage in every non-monopolistic state throughout the U.S.

For the most accurate information about workers' compensation insurance in states outside of Washington, give one of our workers compensation Specialists a call at 888-611-7467 or start your quote here online.

Washington Agency License: 784334
National Producer Number: 5064979

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