Business Insurance in Washington

With a few exceptions, Washington state law requires workers’ compensation insurance for every full-time and part-time employee of a business. Washington is a monopolistic state, which means coverage must be purchased through the state fund. This policy covers medical bills for work injuries and illnesses and can include coverage for additional expenses.

All business-owned vehicles in Washington must be covered by commercial auto insurance. Washington requires a minimum of $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $10,000 property damage liability per accident.

Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.