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Washington's Workers' Compensation Insurance Law

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Generally, those who employ one or more employees must provide Workers' Compensation coverage. Most Washington businesses purchase coverage through the state's insurance program, the Washington State Fund. However, large, financially secure companies (both public and private) may qualify for self-insurance.

WA Workers' Comp: Key Details

  • Sole proprietors, partners, corporate officers, and LLC members in WA are excluded from compulsory coverage, but may elect to be included in their Workers' Comp policy.
  • Exemptions from mandatory coverage include…
    • A domestic servant in a private home. If two or more are employed regularly for 40 or more hours each per week, they must be covered.
    • A person who gardens, does maintenance, or makes repairs at an employer's private home.
    • A person hired to perform a personal errand or chore for the employer's benefit as an individual, but not their business.
    • A person working only in return for aid or sustenance from a religious or charitable organization.
    • A child under age 18 employed by a parent in agricultural activities on the family farm.
    • A horse-racing jockey who is participating in a racing meet.
    • An employee who receives Workers' Compensation coverage through the Federal Employees' Compensation Act, Longshoremen's and Harbor Workers' Compensation Act, Jones Act, or Law Enforcement Officers and Fire Fighters Compensation Plan.
    • A musician or entertainer who is working at a specific engagement and performing no other duties.
    • A newspaper carrier who delivers house to house or sells on the street.
    • An insurance agent, broker, or solicitor.
    • A cosmetologist or barber who rents or leases booth space.
    • A student volunteer (K – 12th grade).
  • Labor & Industries Washington State Fund is an exclusive state fund, which means you cannot purchase Workers' Comp Insurance from a private insurance provider. The only other option is self-insurance, but self-insure, you must meet certain stringent requirements. Insureon cannot quote Workers' Comp policies to Washington-based businesses.

Find out more about Workers' Comp regulations in Washington from the state's Department of Labor and Industries.

Workers' Comp Insurance: Further Reading

See Workers' Comp Laws Where You Live