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Washington Workers' Compensation Insurance

Learn everything you need to know about worker's compensation insurance in Washington.

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We’re available when you are – online and on your schedule. In less than 5 minutes, you could be on your way to a work comp quote.

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Easy Process

Our proprietary online quoting tool makes it easy. Just answer a few simple questions about your business.

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Affordable Rates

As an independent agency, we can shop around our network of carriers, and deliver the best quote to you.

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Every policy backed by leading insurance carriers known for their financial strength and customer service. All our carriers have earned a rating of A or higher by A.M. Best.

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Trusted by Thousands

Since 2012, WorkCompOne has helped thousands of small businesses get the coverage they need. It's work comp, simplified for small business.

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Made for You

It's work comp, simplified for small business. Our online platform allows top national carriers to serve all businesses – even those with less than 10 employees.

Washington State Workers' Compesation

You are required to carry workers' compensation insurance in Washington if:
  • You have one or more employees working in Washington. 
  • You’re going to work for someone else. Unless you’re an employee, you won’t be covered by their insurance policy and may need to provide proof of work comp. Are you an employee or an independent contractor? 10 ways to tell >>

Other regulations that may affect you:

  • Workers’ compensation insurance covers wage replacement and medical bills for employees injured on the job. To protect against other injuries at your place of business, you may need general liability insurance. Learn more about general liability >>

Factors That Impact Coverage

  • You are an existing business hiring its first employees: You’ll need to re-file your Business License Application with the state of Washington. Once you’ve filed your business license, the Department of Employment Security will set up your state unemployment tax account, and the Department of Labor & Industries creates your workers’ compensation account and obtains your minor work permit, if applicable.
  • You are a sole proprietor or partner: In Washington, you are excluded from the policy but have the option to purchase Elective Coverage for yourself.
  • You are a corporate officer or member of an LLC: You have the option to purchase Elective Coverage for yourself in Washington, but you may exclude yourself if you meet all of the following criteria:
    • A bona fide corporate officer who also is on the board of directors and a shareholder, being elected according to the corporation’s bylaws and articles of incorporation
    • Have substantial control in daily management of the corporation
    • Primary duties do not include manual labor

Washington Key Resources

Other Tips

If you employ workers in multiple states or your employees are temporarily working out-of-state, you need to purchase insurance for all the states where your workers are located, according to each state’s laws.

The nature of your business, number of employees being covered and past coverage and claims are all factors in how much your premium will cost. Learn more about workers' comp insurance rates >>

Where to Get a Work Comp Policy

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1. Request Coverage

We've made it easy. Answer a few simple questions about your business, employees and payroll. 

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2. Review Your Quote 

Receive an online quote from one of our top-rated carriers. all rated A or higher by A.M. Best.

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3. Purchase Your Policy

Some policies can be purchased online that same day — for near-instant coverage. 

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Related Resources

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How Much Does Workers' Compensation Insurance Cost?

Premiums vary based on business size, location, industry and claims history. Find out the average small business work comp premium and how much you might pay.

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Small Business Owner Guide to Workers' Compensation

Workers’ compensation law can be confusing and complicated. This guide outlines what you need to know to buy work comp insurance.

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Workers' Compensation Insurance Cost Calculator

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