Business insurance • Washington roofing contractors
Washington Roofing Contractor Insurance: L&I Registration, Bond, and Coverage
Washington roofers register with the Department of Labor & Industries (L&I) as specialty contractors. Registration requires a $15,000 continuous bond and general liability of $200,000 public liability plus $50,000 property damage, or $250,000 combined. Washington is a monopolistic state, so employers buy workers’ comp from L&I.
This guide covers Washington roofing registration, bond and insurance minimums, L&I workers’ comp, coverage, and typical costs. Blake Insurance Group is an independent agency licensed in Washington, and a licensed agent can compare quotes for your roofing business.
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Washington L&I registration
| Requirement | Detail |
|---|---|
| Bond | $15,000 continuous specialty contractor bond |
| General liability | $200,000 public liability and $50,000 property damage, or $250,000 combined single limit |
| Certificate holder | L&I must be listed |
| Fee | $150.20, renewed every two years |
Source: Washington L&I. Specialty contractors may perform only their registered specialty (Contractor License Requirements (Washington roofing guide)).
See our Washington contractor bond guide.
Washington workers’ compensation
Washington is a monopolistic state. Businesses with one or more employees, full-time or part-time, must buy workers’ compensation from L&I. The state fund does not include employer’s liability, so many roofers add a stop-gap endorsement to their general liability policy (Insureon (monopolistic states)).
Coverage most Washington roofers carry
- General liability: third-party injuries and property damage, such as a dropped bundle that damages a car or a leak that ruins a homeowner’s ceiling.
- Workers’ compensation: medical bills and lost wages if a crew member is hurt, including falls.
- Commercial auto: trucks and trailers used to haul crews, materials, and debris.
- Tools and equipment (inland marine): ladders, nail guns, and compressors on job sites or in transit.
- Commercial umbrella: extra liability limits on top of general liability and auto, often required on commercial jobs.
What Washington roofers pay
| Policy | Monthly | Annual |
|---|---|---|
| General liability | $317 | $3,808 |
| Workers’ compensation | $175 | $2,101 |
| Commercial auto | $268 | $3,212 |
| Business owner’s policy | $125 | $1,503 |
| Tools and equipment | $42 | $505 |
| Commercial umbrella | $93 | $1,111 |
Median costs for roofing contractors who quoted through Insureon, mostly businesses with fewer than five employees. Your price depends on payroll, roof types, height, claims history, and location.
Washington roofing insurance FAQs
Do Washington roofers need to register?
Yes. Roofers register with L&I as specialty contractors.
How much liability insurance does Washington require?
$200,000 public liability and $50,000 property damage, or $250,000 combined single limit.
Can I buy Washington workers’ comp privately?
No. Employers buy workers’ compensation from L&I, and many add stop-gap employer’s liability.
Related guides
Important information
Compensation. The link in the partner quote box near the top of this page is sponsored, and Blake Insurance Group may be paid if you make a purchase. Sponsored placement does not affect the other information on this page.
Independent agency. Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16944666. Licensed states: AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, and WA. Which insurance companies we can quote depends on our current appointments, the product, and your state. Mentioning a company on this page does not mean we represent it.
Cost figures. Published averages and ranges are cited from the sources named, as of the dates shown. They are not quotes and may not reflect your price, which depends on the insurer, the surety, your credit, the bond type, and underwriting.
Availability. Coverage, prices, discounts, and eligibility vary by insurer, state, and applicant, and are subject to underwriting. The issued policy controls.
Your next step
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