Contractor Insurance in Spokane Valley, Washington

This page is for registered Washington construction contractors based in Spokane Valley, and for contractors based elsewhere in Spokane County who take work there, from the Sprague Avenue corridor out to Greenacres and Veradale. Remodelers, roofers, electricians, plumbers, HVAC, painters, landscapers, concrete and excavation.

If a general contractor on a Valley job just asked for a certificate with their name on it, or you are registering with L&I for the first time, the rest of this page is the checklist. Keaton Flanigan is the one licensed producer who handles your file from the first question to the certificate.

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).

Spokane Valley Municipal Code Title 5.05 requires a Washington state business license, renewed annually, to conduct business in the city. You apply through the Department of Revenue's Business Licensing Service and add the Spokane Valley endorsement; the city is notified and approves the city license from there. The general business license is $25 to originate and $25 to renew. A business based outside the Valley pays a non-resident fee set by gross income earned in the city, from $0 to $25. The city's licensing specialist is at (509) 720-5333.

Permits are separate from the license. The city's Permit Center at 10210 E Sprague Avenue, (509) 720-5240, issues residential and commercial building permits, mechanical and plumbing permits, and roofing, grading, demolition and right-of-way permits. Neither the licensing page nor the permitting page lists a city insurance or bonding requirement beyond what L&I already requires, so your state registration is what the permit desk checks.

Sources: City of Spokane Valley, City Business License Requirements. DOR, Spokane Valley city endorsement. City of Spokane Valley, Permitting.

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.

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.