Industry
Construction insurance in Washington
Insurance and bonding for GCs, subs, and specialty trades.
Typical contractor coverage stack
- General liability $1M/$2M
- Contractor bond ($12K GC or $6K specialty)
- Commercial auto
- Workers' comp through L&I
- Tools & equipment (inland marine)
- Builders risk on projects
- Umbrella $1M–$5M
- Pollution liability (excavation, roofing)
Where contractors get burned
Sub verification
Your GL policy assumes subs carry their own — collect COIs or your carrier back-charges you at audit.
Additional insured wording
Standard AI forms exclude completed ops. Contracts often require both — endorse it.
Faulty workmanship
GL excludes 'your work.' Warranty and workmanship losses stay with you.
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Independent agency. Multiple A-rated carriers. Straight answers.