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Washington Workers' Compensation Requirements
At a glance
The details
Monopolistic state: no private WC allowed; coverage from L&I or certified self-insurance. Sole proprietors without employees exempt.
Washington is a monopolistic state
Workers' compensation here is purchased exclusively from the state fund (WA Labor & Industries). Private carriers cannot write WC policies — quotes from national insurers will redirect you to the state fund.
If a claim happens: benefit amounts in Washington
WA pays MONTHLY (monopolistic state): 7/1/2026-6/30/2027 max time-loss $9,981/mo (120% of state avg monthly wage) / min $1,247.62. Prior year $9,516. Official chart: lni.wa.gov maxtlrates Medical: No dollar cap — reasonable and necessary care for the injury. Death: Survivors % of wage (family-size based, 60-75%); burial allowance separate (see L&I). Rate cycle: adjusts 07/01 each year. All states' benefit rates →
FAQ
Do I need workers' compensation in Washington?
Yes — Washington requires coverage as soon as you hire your first employee (full-time or part-time).
What about construction businesses in Washington?
Construction businesses follow the same 1 threshold. See details below for industry nuances.
What if I don't carry required coverage in Washington?
Penalties vary by state and can include per-employee per-day fines, stop-work orders, and personal liability for injury claims. Check the official source below for Washington's current enforcement posture.
Official source: WA Labor & Industries · Verified 2026-09-08 (official) · Compare all states · Construction rules · Farm rules