What happens if I do not have L&I coverage for a worker? 

The penalty is $1,000 or double the premiums owed, whichever is greater. If a worker is hurt before you secure coverage, you also owe 50 to 100 percent of the claim cost. L&I can stop the job, and officers or LLC members can be held personally liable for unpaid premiums after the business dissolves. 

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.