Yes. Washington is the only state where workers pay a significant share of the premium. The worker share averages about 24 percent, and about 26 percent once employer refunds are counted. You withhold that amount from each paycheck and report it to L&I with your quarterly filing.
FAQ_category: (HIDDEN) Industry FAQs
Generally, no. Washington employers get industrial insurance through L&I or qualify as a certified self-insured employer. Private workers’ compensation policies are not sold in Washington for that purpose. This is one reason a Washington insurance plan looks different from a plan in a neighboring state.
Some coverage is required, but no single policy applies to every business. Most employers must carry workers’ compensation through L&I. Business vehicles need proof of financial responsibility. Registered construction contractors must carry general liability insurance and a bond. Leases and client contracts often add requirements of their own.
It is not required by law, but the risk is real. If a breach exposes sensitive data like Social Security numbers or payment card details, Virginia law requires you to notify the Attorney General and affected residents. Cyber liability helps cover notice, legal costs, and recovery.
For policies effective on or after January 1, 2025, the minimums are higher. They are $50,000 per person, $100,000 per accident, and $25,000 for property damage. Many businesses carry more than the minimum to protect their assets.