General Contractor Insurance in Washington

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Do general contractors need insurance in Washington?

The Evergreen State is a major construction state. It is estimated that around 34,680 sole proprietors are employed in the industry, many as general contractors.

Construction sites can be dangerous to be. An accident can lead to costly liability issues for small-scale businesses, regardless of whether you are working on commercial or residential projects. Contractor insurance can protect your Washington business against accidents and delays.

Contractor insurance refers to different kinds of coverage that a General Contractor may consider.

  • General Liability
  • Business Owner’s Policy

Find out more about Washington contractor insurance, and learn how BizInsure can arrange A-rated coverage for your needs.

Who may need insurance for contractors in Washington?

A lot of contractors buy insurance to protect both their finances and business. General Liability coverage and other kinds of policies can serve as a safety net for both your business and yourself.

You may need to have specific types of insurance to be able to be able to work with specific clients. This is typically written in business contracts.

To learn more about quotes for insurance and options, select your occupation.

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What insurance do contractors commonly consider in Washington?

Washington contractors typically look at several different kinds of insurance. These policies will help you deal with the common risks faced by general contractors working on their jobs.

General Liability insurance

On a construction site, anything could occur. Even an innocent mistake, like placing your tools in the wrong place could cause your business to suffer when someone is injured.

Also referred to as Commercial General Liability (CGL) or “slip and fall coverage”, General Liability insurance can protect your business against bodily injury or property damage lawsuits from outside parties.

Washington contractor’s General Liability insurance typically pay your legal expenses, as well as the costs of fixing the situation, like medical bills or repairs.

Business Owner’s Policy

In the construction industry, things are not always as expected. It can be challenging to keep your promises when you are dealing with project interruptions or equipment that is damaged, among other issues.

A Business Owner’s Policy (BOP) is a convenient package of insurance that protects your business against the common risks it faces every day. The BOP product includes various coverages that may suit the unique requirements of your small business. Insurance included in a BOP can vary but usually they include protection for typical small business risks such as property damage, business interruption and liability.

You can customize your BOP to include coverage options that are tailored to your company’s needs. This can be an affordable and a convenient method for general contractors to safeguard themselves from typical dangers.

What does contractor’s insurance cover in Washington?

Contractor’s insurance can safeguard your business from different dangers. Based on the type of coverage that you select, events like:

  • Coverage for Third-Party Injury and Property Damage Claim (General Liability)
  • Unexpected Business Interruptions (Business Owner’s Policy)
  • Equipment breakdown (BOP)

What is the cost of contractor’s liability insurance cost in WA?

The cost of business insurance differs because insurance companies consider a variety of aspects when determining the cost for each company. The price you pay for your company could be based on factors such as:

  • The type of insurance you want
  • Size of your company (annual revenues).
  • How many people will be covered under the policy?
  • Your claim your history
  • The amount of coverage you select

How to get insurance for contractors in Washington?

BizInsure offers a simple method to insure business that contracts.

In just 10 minutes you can compare quotes to find coverage that suits your needs, budget, and budget. You’ll be covered immediately and policy documents will be sent directly to your inbox.

Need assistance? We are happy to assist you!

Compare multiple quotes today and find top-rated coverage for your Washington general contractor company.

* This information is a general guide only and does not take into account your objectives, financial situation or needs. Always check with your local licensing board when getting or renewing your [profession] license to ensure you are meeting their current licensing requirements.
As with any insurance, coverage will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this guide is general only and should not be relied upon as advice. The number of quotes provided varies between products, occupations and other underwriting factors determined by the insurers.
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