Contractor InsuranceBuilt for Washington
From general contractors to specialty trades, we help Washington contractors get the right coverage at competitive rates. Same-day certificates of insurance so you never miss a job.
Risks Contractors Face Daily
Construction work involves some of the highest liability exposures of any industry. Understanding your risks is the first step toward building the right coverage program.
Job Site Injuries
Construction is one of the most dangerous industries — bodily injury claims from job site accidents are frequent and costly
Property Damage
Accidental damage to a client's property or neighboring structures during construction
Completed Operations
Claims arising after the job is done—a roof leak, faulty wiring, or plumbing failure months later
Subcontractor Liability
General contractors can be held liable for injuries and damage caused by their subcontractors
Complete Contractor Protection
We help contractors build comprehensive insurance programs that cover the job site, your crew, your vehicles, and your tools.
General Liability Insurance
The foundation of every contractor insurance program. Covers third-party bodily injury, property damage, and completed operations claims that arise from your work.
Contractor Coverage Gap Checklist
Are you fully covered? This printable checklist helps you review your GL, auto, tools, bond, and umbrella coverage for gaps before they cost you a job or a claim.
- General liability limits review
- Surety bond verification
- Commercial auto coverage
- Tools & equipment protection
- Bond amount verification
- Additional insured requirements
- Umbrella / excess liability
- Annual review checklist
Get Your Free Checklist
Enter your email and we'll send the checklist straight to your inbox — plus get the instant download.
Get a Free Coverage Review
Find out if you have the right coverage for your trade. We'll review your current policies and identify gaps or savings opportunities.
Insurance for Every Trade
Whether you're a general contractor managing large projects or a specialty trade, we tailor coverage to your specific risk profile.
General Contractors
GCs managing residential and commercial projects need GL, commercial auto, and strong subcontractor management. We help you meet GC requirements on every bid.
Electrical & Plumbing
Licensed trades with specialized exposures. Higher completed-operations risk means you need coverage that stays in force long after the job is done.
Specialty Trades
Roofers, painters, HVAC, landscapers, and more. Each trade has unique risk factors that affect coverage needs and pricing. We know the differences.
Fast, Simple, Done Right
We know contractors can't wait weeks for coverage. Our streamlined process gets you insured and back to work quickly.
Tell Us Your Trade
Share your trade type, annual revenue, employee count, and what coverage you need. Takes 5 minutes.
We Shop the Market
We compare quotes from multiple A-rated carriers to find the best combination of coverage and price.
Review Your Options
We present clear options with coverage details, pricing, and our recommendation for your situation.
Bind Coverage
Choose your policy and we bind coverage—often the same day. No gaps, no delays.
Get Your COI
Receive your certificate of insurance immediately. Add additional insureds for GCs and property owners.
Ongoing Support
Annual reviews, mid-term certificates, additional insured requests, and claims support whenever you need it.
Common Contractor Claims
Understanding how claims happen helps contractors prepare and ensure they carry the right coverage.
Excavation Damages Neighbor's Foundation
During foundation work, excavation causes soil shifting that cracks the neighbor's foundation. Repair costs reach $120,000 and the neighbor sues for additional structural damage.
General liability covers third-party property damage claims, including damage to neighboring properties during construction.
Homeowner Files Bond Claim for Unfinished Work
A contractor abandons a $50,000 kitchen remodel halfway through. The homeowner files a claim against the contractor's surety bond through L&I to recover costs.
Your contractor bond protects consumers. Washington requires a $30,000 bond for general contractors and $15,000 for specialty trades.
Plumbing Work Causes Water Damage
Three months after completing a bathroom remodel, a pipe connection fails and floods the homeowner's living room. Damage totals $45,000.
Completed operations coverage protects against claims arising after the job is finished—essential for all construction trades.
Tools Stolen from Job Site
Overnight, thieves break into a job site trailer and steal $35,000 worth of power tools, generators, and laser levels.
Inland marine / tools coverage protects your equipment at job sites, in transit, and in storage—where standard property policies don't.
Frequently Asked Questions
What insurance does a Washington contractor need?
How much does contractor insurance cost in Washington?
How fast can I get a certificate of insurance (COI)?
How do I get a contractor bond in Washington?
What is a contractor bond and do I need one?
Does my GL policy cover subcontractors?
Starting Your Contractor Registration? We Can Help.
Our step-by-step guide covers everything you need to register with Washington L&I—from surety bonds to liability insurance.
Get Your Contractor Quote Today
Stop waiting weeks for quotes. Our contractor insurance specialists can get you covered fast with competitive rates from top carriers. Same-day COIs available.
Serving contractors throughout Washington State including Seattle, Bellevue, Tacoma, Spokane, and surrounding areas.