Workers' Comp Insurance in Washington
Washington is one of only four "monopolistic" states — employers buy workers' compensation from the state, not from private insurers. Coverage comes from the Washington State Department of Labor & Industries (L&I). You can't buy a private workers' comp policy here, but there are still important pieces a broker handles for you.
How workers' comp works in Washington
Most Washington employers with employees must open an L&I account and pay premiums based on risk classifications and hours worked (Washington uses hours, not just payroll). Larger or qualifying employers may self-insure with L&I approval. Private carriers are not permitted to write the core coverage.
What you still buy from the private market
Because the state fund does not include employer's liability, Washington employers typically add "stop-gap" employer's liability coverage through the private market — usually endorsed onto a general liability policy. A broker also handles the rest of your program: general liability, commercial auto, property, and umbrella.
How Focus West helps in Washington
We guide you through setting up L&I correctly, make sure you carry stop-gap employer's liability, and build the rest of your commercial program around it. Call (714) 988-3863 to talk it through.
Operating in Washington? Let's make sure your coverage is complete.
FAQ
Can I buy workers' comp from a private carrier in Washington?
No. Washington is a monopolistic state — core workers' comp must be purchased from the state fund (L&I). A broker can still place stop-gap employer's liability and your other coverages.
What is stop-gap coverage?
Stop-gap employer's liability fills the employer's-liability gap that monopolistic state funds don't cover, usually added to your general liability policy.
General information from Focus West Insurance Solutions (CA Lic. #0M32679), not legal advice; confirm current rules with Washington L&I. Related: workers' comp basics · glossary.