Contractor Insurance in Spokane, Washington
Registration, bond, general liability and the certificate your general contractor asked for.
NationGuard is a licensed Washington agency on North Monroe in Spokane. One licensed producer quotes your file across 22 markets and answers within 1 hour during business hours.
Or call (509) 866-6294
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ERGO NEXT quotes many Washington contractors and small businesses online in minutes. If they cannot offer coverage, Keaton shops it across his other markets.
Registered contractors working in Spokane County
This page is for registered Washington construction contractors who work in Spokane and the rest of Spokane County: Spokane Valley, Liberty Lake, Cheney, Deer Park, Airway Heights, Medical Lake, Millwood and the unincorporated county. General contractors, remodelers, roofers, electricians, plumbers, HVAC, painters, landscapers, concrete and excavation.
If you are registering for the first time, renewing, or a general contractor just asked you for a certificate with their name on it, this is the page. NationGuard is based on North Monroe in Spokane, and Keaton Flanigan is the one licensed producer who handles your file from the first question to the certificate.
What Washington actually requires to register
To register as a construction contractor, Washington L&I asks for three things before it issues your number. A business registered with the Department of Revenue, which gives you a UBI. A surety bond, $30,000 for a general contractor and $15,000 for a specialty contractor. And general liability insurance of at least $200,000 in public liability and $50,000 in property damage, or $250,000 combined single limit.
The bond and the insurance are both filed with L&I and have to stay in force. If the policy cancels, the registration is suspended until new proof is filed. The application fee is $150.20. Most policies I place carry $1,000,000 per occurrence, well above the minimum, because that is the limit general contractors ask to see on a certificate.
Sources: L&I, Register as a Contractor. RCW 18.27.040 (bond). RCW 18.27.050 (insurance).
What Spokane itself adds
The City of Spokane requires a business license for every business located in city limits or conducting business in city limits. It is a Spokane endorsement on your state business license, added through the Department of Revenue, not a separate contractor license. The origination fee is $131 plus a fee per employee. A business based outside the city that earns $4,000 or less inside it pays nothing for the endorsement.
Neither the city licensing page nor the Department of Revenue page lists a city insurance or bonding requirement beyond what L&I already requires for registration. Work in the unincorporated county goes through Spokane County permits, and the county sends business license questions to the Auditor's Office at (509) 477-2270.
Sources: DOR, Spokane city endorsement. City of Spokane, Business Licenses. Spokane County FAQ.
One real quote, not a rate table
There is no rate table here. Your number depends on trade, revenue, payroll, subcontracting and claims, and a table would be a guess dressed up as a fact. Here is one real quote instead.
In September 2026 I quoted a one-person shop with no employees for general liability at $1,000,000 per occurrence and $2,000,000 aggregate through Hiscox: $500 for the year, or $125 down and 10 payments of $37.50. That is one quote I ran, not a promise about yours. A roofer with a crew and subcontractors will not see that number. A one-person handyman with no claims might. Send the list below and you get a figure, not a range.
How to get a certificate to a GC: send this list once
A general contractor who asks for a certificate needs it before you are on site, and the certificate cannot issue until a policy is bound. The quote cannot start until a carrier has the whole picture, so send all nine of these in one reply:
- Legal business name and UBI. exactly as registered with the Department of Revenue.
- L&I contractor registration number. or the application date if it is pending.
- Trade. and the revenue split if you do more than one.
- Revenue. the last 12 months, and your estimate for the next 12.
- Employees and payroll. headcount and annual payroll, including owners on payroll.
- Subcontractor spend. what you paid subcontractors in the last 12 months.
- Claims. anything in the last five years, open or closed.
- Current carrier and expiration. if you are insured now.
- Start date. the day coverage has to be in force.
With that list complete, your quote comes back within 1 hour during business hours.
Spokane contractor insurance questions
Yes. L&I will not issue a contractor registration without proof of general liability insurance of at least $200,000 in public liability and $50,000 in property damage, or $250,000 combined single limit, on file with the department. RCW 18.27.050 also says that if the policy expires or cancels, the registration is suspended until new proof is filed and approved. The bond is a separate requirement. Most policies carry $1,000,000 per occurrence because that is what general contractors and permit desks ask to see.
The bond amount is set by the state, not the city, so it is the same in Spokane as anywhere in Washington: $30,000 for a general contractor and $15,000 for a specialty contractor under RCW 18.27.040. You do not pay the face amount. You pay a surety a premium for it, and the premium depends mostly on your credit. RCW 18.27.040 also lets you file an assigned savings account with L&I instead of a bond.
A certificate is issued after a policy is bound, never before, and binding depends on the carrier having the complete list on this page. Send all nine items in one reply and the quote comes back within 1 hour during business hours. The bind and the certificate follow the carrier confirming coverage. What slows it down is a missing item, so the fastest thing you can do is answer everything the first time.
Yes. A Washington general liability policy covers your work anywhere in the state, so a policy written for a Spokane contractor covers jobs in Spokane Valley, Liberty Lake, Cheney, Deer Park, Airway Heights and the unincorporated county. What changes from city to city is the business license endorsement each city puts on your state business license. NationGuard is based on North Monroe in Spokane and works the whole county.
On most policies, yes. The example quote on this page was $125 down and 10 monthly payments of $37.50 on a $500 annual premium. The payment plan belongs to the carrier, not to me, and some carriers add an installment fee. Tell me when you send the list if paying monthly matters to you and I will quote the plan alongside the premium.