Business insurance • Washington electrical contractors
Washington Electrical Contractor Insurance: L&I License, $4,000 Bond, and Coverage
Washington’s Department of Labor & Industries (L&I) licenses electrical contractors, who must post a $4,000 electrical contractor bond or savings assignment and assign a certified administrator or master electrician. Liability insurance is recommended but not required for the license. Employers buy workers’ comp from L&I.
This guide covers Washington electrical contractor licensing, the bond, 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 electrical business.
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Washington electrical contractor license
| Requirement | Detail |
|---|---|
| Bond | $4,000 electrical/telecommunications contractor bond, or assignment of savings |
| Administrator | A certified, assigned administrator or master electrician |
| Liability insurance | Recommended; L&I does not keep records of it |
| Renewal | Every two years |
Washington workers’ compensation
Washington is a monopolistic state. Businesses with one or more employees must buy workers’ compensation from L&I, and the state fund does not include employer’s liability, so many contractors add stop-gap coverage to their general liability policy (Insureon (monopolistic states)).
Coverage most Washington electricians carry
- General liability: third-party injuries and property damage, such as a wiring fault that starts a fire in a customer’s home.
- Business owner’s policy: general liability bundled with property coverage for your shop, wire, and stock.
- Workers’ compensation: medical bills and lost wages if an employee is hurt, including shocks and falls.
- Commercial auto: service vans and bucket trucks that carry crews and equipment.
- Tools and equipment (inland marine): meters, benders, lifts, and power tools on job sites or in transit.
- Commercial umbrella: extra limits on top of general liability and auto, often required on commercial jobs.
What Washington electricians pay
| Policy | Monthly | Annual |
|---|---|---|
| General liability | $61 | $732 |
| Business owner’s policy | $100 | $1,198 |
| Workers’ compensation | $140 | $1,679 |
| Commercial auto | $275 | $3,304 |
| Tools and equipment | $42 | $503 |
| Professional liability | $67 | $808 |
| Commercial umbrella | $74 | $886 |
Median costs for electricians who got quotes through Insureon, mostly businesses with fewer than five employees. Your price depends on payroll, the work you do, claims history, and location.
Washington electrical insurance FAQs
What bond does a Washington electrical contractor need?
A $4,000 electrical/telecommunications contractor bond, or an assignment of savings.
Does Washington require liability insurance for electrical contractors?
L&I recommends it but does not require it for the license. Most clients and general contractors do.
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, your state, your payroll, the work you do, and your claims history.
Availability. Coverage, prices, discounts, and eligibility vary by insurer, state, and applicant, and are subject to underwriting. The issued policy controls.
Your next step
Tell us about your Washington electrical business, and a licensed agent will compare quotes, or start a business insurance quote online with our partners.
