Insurance for General Contractors in Washington
General contractors in Washington face a wide variety of risks every day, from job site injuries and property damage to weather delays and subcontractor mistakes. Whether you're building custom homes in Spokane or overseeing commercial renovations in Tacoma, having the right insurance coverage is not only smart—it’s essential for protecting your livelihood and securing new business.
General liability insurance is a cornerstone of any contractor’s insurance plan. It protects your business from third-party claims involving bodily injury, property damage, or legal costs. In a litigious environment like Washington, this coverage helps safeguard your finances and your reputation when unexpected incidents occur on-site.
Washington contractors must also carry workers’ compensation insurance if they have employees. This policy covers medical expenses and lost wages if a worker is injured while on the job. Given the high-risk nature of construction work, workers’ comp is not only legally required—it’s a vital safety net for your crew.
Tools and equipment insurance (inland marine coverage) is another important component. It protects valuable gear in transit, on-site, or stored in trailers and sheds. With theft and damage being common concerns for contractors, especially in urban areas, this insurance helps prevent costly project delays.
A commercial auto policy is necessary if you use trucks, vans, or trailers for work-related tasks. This coverage protects your vehicles, your employees, and your business in the event of an accident, theft, or damage. It can also include non-owned vehicle coverage if employees drive personal cars for business purposes.
Contractor’s bond requirements are another important consideration. Washington state requires general contractors to be bonded in order to obtain and maintain their license. A bond offers financial assurance to clients and regulatory agencies that you’ll complete projects according to code, adhere to contracts, and cover any losses due to misconduct or non-compliance.
Errors and omissions (E&O) insurance, or professional liability insurance, is a valuable addition for contractors who offer design-build services or manage subcontractors. It protects against claims related to project oversight, incorrect advice, or failure to deliver on contract specifications.
At Insurance Alliance, we understand the risks and regulations unique to Washington’s construction industry. We help general contractors across the state customize insurance packages that meet licensing requirements and offer comprehensive protection for every phase of the job. Whether you're just starting your business or managing multiple crews, we’ll make sure you have the right coverage.
Reach out to Insurance Alliance today to secure a policy that helps you build confidently and protect what matters most.
