Insurance built for the trades
Your GC needs your COI by Monday. We can make that happen.
GL, BOP, and Workers Comp — quoted in minutes from 20+ carriers.
Protection for every job site
General Liability (GL)
The foundation of contractor coverage. Required on virtually every job site.
- Third-party bodily injury
- Property damage
- Completed operations
- Advertising injury
- COI for job sites
Business Owners Policy (BOP)
GL + commercial property bundled at a discount. Best value for most contractors.
- Everything in GL
- Tools & equipment
- Business interruption
- Office / shop coverage
- Inland marine available
Workers Compensation
Required in WA if you have employees. Protects your crew and your business.
- Medical expenses
- Lost wages
- Disability benefits
- Employer liability
- WA L&I compliance
WA contractor insurance requirements
Washington State requires all registered contractors to carry a minimum level of insurance. If you hold an active WA contractor license through the Department of Labor & Industries (L&I), here's what you need to know:
General Liability
While WA doesn't technically mandate GL for all contractors, virtually every general contractor and property owner requires it before you set foot on a job site. Most commercial contracts and government bids require a minimum of $1M per occurrence / $2M aggregate. Without a COI showing active GL coverage, you're locked out of the jobs that pay.
Workers Compensation
Washington is a monopolistic state for workers comp — meaning coverage must be obtained through the WA State Fund (L&I), not private carriers. If you have any employees, workers comp through L&I is mandatory. Sole proprietors can opt out but should carry it anyway for personal protection. Rates vary by trade classification.
Surety Bond
All WA contractors must file a surety bond with L&I. Bond amounts are $12,000 for general contractors and $6,000 for specialty contractors. This is separate from your insurance but required to maintain your active license.
Not sure what you need? Get a free quote and we'll walk you through it.
How much does contractor insurance cost in Washington?
Premiums depend on your trade, revenue, employee count, and claims history. Here are typical ranges we see for WA contractors:
| Trade | GL (Monthly) | BOP (Monthly) |
|---|---|---|
| Painting / Flooring | $40–$80/mo | $60–$120/mo |
| Landscaping / Fencing | $50–$100/mo | $75–$140/mo |
| Electrical / Plumbing / HVAC | $75–$150/mo | $100–$200/mo |
| Roofing | $150–$350/mo | $200–$450/mo |
| General Contractor | $100–$250/mo | $130–$300/mo |
| Demolition / Concrete | $150–$400/mo | $200–$500/mo |
Ranges based on sole proprietor or small crew, under $500K revenue, clean claims history. Your actual rate may be higher or lower. We quote 20+ carriers to find the best price for your situation.
GL vs. BOP — Which Do You Need?
General Liability is standalone coverage for third-party claims — bodily injury, property damage, and completed operations. It's the minimum most job sites require and the most affordable entry point.
A Business Owners Policy (BOP) bundles GL with commercial property coverage at a discounted rate. If you own tools, equipment, a work vehicle, or rent shop/office space, a BOP almost always saves money compared to buying GL and property coverage separately. Most contractors we work with end up with a BOP.
Get your personalized quote — it takes about 2 minutes.
What you won't deal with here
No 10-Page Applications
Tell us your trade, revenue, and employee count. That's enough to start.
No Hold Music
We respond instantly. No waiting on hold for a callback that never comes.
No Runaround
One team. One process. Quote to coverage in the same day.
“NationGuard got us covered same-day. No hassle, no runaround.”
— Mike R., Roofing, Spokane“Switched after waiting 5 days for a quote. NationGuard had options in 20 minutes.”
— Carlos M., GC, Yakima“Finally an agency that speaks Spanish. The whole process was smooth.”
— Lucía T., Landscaping, KennewickTell us about your business
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Common questions
Most quotes are returned within minutes. We match your business profile against 20+ carriers simultaneously, so you get competitive rates without the wait.
We insure roofers, electricians, plumbers, HVAC techs, painters, general contractors, landscapers, concrete workers, demolition crews, flooring installers, and more. If you hold a WA contractor license, we can help.
GL covers third-party bodily injury and property damage — it's the minimum most job sites require. A BOP bundles GL with commercial property coverage (tools, equipment, office space) at a discounted rate. Most contractors save money with a BOP.
Yes. NationGuard is a licensed independent insurance agency in Washington State. Our agent, Keaton Flanigan (NPN #21747002), personally reviews every quote. Technology handles the legwork — a licensed human handles the coverage.
Sí. Our bilingual team speaks fluent Spanish, and all follow-up communications can be sent in Spanish. We serve a large community of Spanish-speaking contractors across Washington.
Business name, your trade/specialty, phone number, estimated annual revenue, and number of employees. That's it. No 10-page applications.
It depends on your trade, revenue, and claims history. GL for low-risk trades like painting starts around $40-80/month. Higher-risk trades like roofing run $150-350/month. A BOP typically adds 30-50% on top of GL but bundles property coverage. We quote 20+ carriers to find the best rate for your situation.
GL is not technically mandated by state law, but virtually every GC, property owner, and government contract requires it. Without a COI, you're locked out of most job sites. Workers comp through WA L&I is mandatory if you have employees. All WA contractors must also carry a surety bond ($12K general / $6K specialty).