Being a contractor in Washington comes with a lot of responsibility. You build, repair, install, and manage projects that people depend on. With that kind of work, things don't always go as planned. Equipment might break. Someone might get hurt.
A client might claim a project wasn't done right. That's why having the right insurance is not just brilliant but also necessary. It protects your business, income, tools, and people you work with.
Let's explore which types of contractor insurance are important in Washington.
Covers accidents and damage that happen on the job
This is the most common insurance for contractors and often the one your clients will ask for before you even start a job.
It helps cover:
For example, if a ladder falls and breaks a window or someone trips over your equipment, general liability insurance can help pay for the damage. Without it, you might have to pay those costs yourself.
Required by law if you have any employees
If someone on your crew gets hurt while working, this insurance covers their medical bills and part of their lost wages.
Even small injuries, like a cut from a tool or a back injury from lifting heavy materials, can result in time off work and expensive care. Workers' compensation is there to help with that.
In Washington, having this insurance is required as soon as you hire even one employee. Not having it could result in fines or legal trouble.
Protects the vehicles you use for work
Contractors often use trucks, vans, or trailers to carry tools and materials. If you get in an accident while driving to a job, your personal car insurance may not help, especially if you are hauling equipment.
Commercial auto insurance covers:
Whether driving across town or just a few blocks, having your work vehicles insured is key to staying protected.
Helps replace stolen or damaged gear
Your tools are the heart of your work. From power saws to generators, you rely on them every day. If something breaks, gets stolen from your truck, or is damaged at a job site, this insurance helps cover the cost of repair or replacement.
Without this coverage, even one stolen or damaged tool could delay your project and cost hundreds or thousands of dollars.
Shows clients you'll follow through on your promises
A contractor's bond isn't the same as insurance, but it plays a significant role in your business. Many contractors in Washington are required by law to have one.
It guarantees you'll do the work you agreed to in your contract. If something goes wrong, like the job is unfinished or not up to code, the client can claim the bond.
It also builds trust. Clients feel more confident working with contractors who are bonded.
Covers claims of mistakes or bad advice
Not all contractors just swing hammers. This insurance can be very helpful if you offer planning, design, or consulting services.
It covers situations where:
Legal costs can increase quickly, even if the claim isn't valid. This coverage helps protect your business and your reputation.
Contracting work always comes with risks. A job site accident, a broken tool, or a customer claim can quickly become a significant expense. With the right contractors insurance coverage in Washington, you don't have to face those problems alone.
You stay protected. Your team stays protected. Your work continues without costly delays.
At Humble Insurance Group, we work with contractors across Washington who want absolute protection and witty coverage. From independent handypersons to full-scale contracting teams, we help you find the right policies to match your work.
Our local experts understand Washington's rules, risks, and business environment. Whether you're just getting started or have years of experience, we're ready to support your business correctly.
Don't wait for something to go wrong before thinking about insurance. Contact us today at (425) 226-8221 to get the proper protection so you can focus on what you do best, building great things.
Read more: The Top 5 Coverage Options for Contractors
