Small-business cover in Washington.
Workers’ comp threshold in Washington: Required for all employers with employees (monopolistic state fund — must purchase from WA L&I, not private carriers)[S].
Updated 2026-05-16 · Beaconcover editorialThe short answer: In Washington, workers' compensation is required for all employers with employees (monopolistic state fund — must purchase from WA L&I, not private carriers). Most clients and licenses also ask for general liability before you can take a job.
What does Washington require?
Required for all employers with employees (monopolistic state fund — must purchase from WA L&I, not private carriers)[C]
Washington is a monopolistic workers' comp state — coverage is obtained exclusively through the Department of Labor & Industries (L&I), not private carriers. All employers with workers must register and pay premiums to L&I. Contractors must register and bond with L&I. Other commercial lines regulated by the Washington Office of the Insurance Commissioner.
What licensing and bonding does Washington require?
- Workers' comp via L&I state fund only — not bundled with private carriers
- Contractor registration and a surety bond are required to operate legally