Trade × state guide
Insurance for cleaning businesses in Washington.
In Washington, cleaning businesses usually need general liability and surety bond. On workers' compensation, Washington's rule is: Required for all employers with employees (monopolistic state fund — must purchase from WA L&I, not private carriers).[S]Washington workers' compensation threshold
Updated 2026-05-16 · Beaconcover editorial§ 01
State desk
Licensing notes for Washington.
- Workers' comp via L&I state fund only — not bundled with private carriers
- Contractor registration and a surety bond are required to operate legally
§ 02
Required cover
Coverage cleaning businesses typically need.
- ✓General liability
- ✓Surety bond
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