Protect your business and employees with Washington workers' comp
Washington workers' compensation insurance offers essential financial and medical benefits to employees with job-related injuries or illnesses. This coverage helps businesses comply with regulations and promotes workplace safety in The Evergreen State.
You'll need to purchase this insurance through a specific fund because Washington is a monopolistic workers' comp state. But you can talk to a Progressive Commercial agent today for expert answers to your questions.
Who needs workers' compensation insurance in Washington?
Under Washington workers' compensation law, any business with employees must have coverage. This rule also applies to out-of-state companies that work in Washington.
Learn more about requirements for workers' compensation in Washington state.
Washington workers' compensation insurance exemptions
Certain professions are exempt from workers' comp in Washington, such as:
- Gardeners or maintenance workers at private homes
- Workers receiving aid from charities
- Children under 18 on family farms
- Jockeys at licensed races
- Some musicians or entertainers
- Newspaper carriers and freelance journalists who use their own tools
- Drivers providing commercial transport services
Without insurance, your employees are vulnerable to occupational injuries or illnesses. Even if your business is exempt, having workers' comp protects your team and reduces the risk of legal issues. You might also need it to meet some professional licensing and contractual obligations.
What are the penalties for not having workers' comp in Washington?
Not having workers' compensation insurance in Washington can lead to significant penalties. The best way to avoid costly fines and other financial liabilities is to follow Washington laws and get workers' comp coverage.
How much does workers' comp cost in Washington?
Your Washington workers' compensation rate is influenced by factors such as payroll, location, employee numbers, industry, and claims history. These elements collectively determine your overall costs.
How can you get workers' comp in Washington?
There are two ways to get Washington workers' comp insurance:
- State-run fund: Most companies get coverage through the Washington workers' compensation fund. This government program provides consistent coverage and benefits for all workers. Operating on a nonprofit basis, the state fund aims to keep costs manageable and is regulated to ensure fairness and efficiency.
- Self-insurance: In some cases, businesses have the option to apply for self-insurance. If approved, this can lower Washington workers' comp rates by using reserved funds for claims. However, businesses must be ready to assume all financial risk and administrative duties.
Both options are available through the Washington State Department of Labor and Industries. Visit their website to learn more about how to get coverage.
How does workers' comp work in Washington?
Workers' comp supports employees in case of accidents. All claims go through the Washington State Department of Labor and Industries. If the claim is approved, the employee receives financial assistance.
Common Washington workers' compensation benefits include:
- Medical expenses
- Disability benefits
- Lost wages
- Rehabilitation costs
Workers' compensation insurance also safeguards business owners. It minimizes the likelihood of legal claims since employees receiving benefits typically can't sue your company.
Washington workers' comp death benefits
Washington workers' compensation death benefits support the families of deceased employees. These benefits help with expenses and provide financial security after a loss. Dependents can receive:
- A lump-sum payment of up to 200% of the state's average monthly wage
- A monthly pension that's based on the employee's average monthly wage
Washington workers' compensation statute of limitations
The Washington workers' compensation statute of limitations requires employees to file claims within a year of their injury. Encourage your team to report accidents promptly to ensure they can receive benefits.
