1. Private-Carrier Workers' Compensation & Out-of-State Work
Outside of monopolistic state-fund jurisdictions, private insurance carriers write statutory Workers' Compensation (Part One) to pay 100% of medical bills and statutory lost wages when an employee is injured on the job, alongside Employer's Liability (Part Two). We shop our carrier partners to find competitive class-code rates and dividend/pay-as-you-go programs.
Real-world example: If your Washington-based company wins a job in Post Falls, Idaho or Pendleton, Oregon, your WA L&I policy won't permanently cover Idaho/Oregon employees — we set up the required private-carrier policy so you're compliant across state lines.
2. Washington L&I Guidance & Stop-Gap Employer's Liability
In Washington State, primary workers' comp is purchased through the state Department of Labor & Industries (WA L&I), which does not include Employer's Liability (Part Two) for lawsuits outside the workers' comp immunity statute. We add essential Stop-Gap Employer's Liability to your Washington General Liability policy and guide you through L&I risk classes.
Real-world example: If an injured Washington employee or their spouse files a third-party-over or gross-negligence lawsuit against your company outside L&I, Stop-Gap Employer's Liability provides $1M in defense and coverage.
3. Contractor License & Registration Bonds (Instant via Propeller)
State licensing boards require continuous surety bonds before issuing or renewing your contractor license — such as the WA L&I General ($30,000) or Specialty ($15,000) Contractor Bond, Oregon CCB bonds, California CSLB bonds, and municipal permit bonds. Through our Propeller partnership, you can quote, pay, and issue many license bonds online in minutes.
Real-world example: When you register a new electrical or general contracting LLC, you can issue your required state contractor bond online the same afternoon and have us file your liability certificate right behind it.
4. Contract Surety: Bid Bonds, Performance Bonds & Payment Bonds
Public works projects, school districts, municipalities, and large commercial GCs require Bid Bonds (guaranteeing you will enter the contract if awarded) and Performance & Payment Bonds (guaranteeing project completion and payment of subcontractors/suppliers). We work with treasury-listed surety underwriters to establish your single-job and aggregate bonding line.
Real-world example: When you bid a $650,000 municipal water or school remodel project requiring a 5% Bid Bond and 100% Performance & Payment Bond, we coordinate your surety underwriting so your bid package is compliant.
5. Commercial Surety, Court, Probate, Notary & License/Permit Bonds
Many non-construction businesses also need statutory surety bonds to operate legally — including auto dealer bonds, mortgage broker bonds, freight broker (BMC-84) bonds, utility deposit bonds, liquor/tax bonds, and court/probate fiduciary bonds.
Real-world example: If your dealership, freight brokerage, or estate administration needs a statutory surety bond filed with the state or county court, our team issues the exact bond form required.
6. ERISA Fidelity Bonds & Employee Dishonesty / Crime Coverage
If your company sponsors a 401(k) or retirement plan, federal law requires an ERISA Fidelity Bond equal to at least 10% of plan assets. We also write Janitorial/Business Service Bonds and Employee Dishonesty coverage that protect you and your clients against employee theft.
Real-world example: If your commercial cleaning or service crew works inside client offices after hours, a Business Service Bond reassures your clients and satisfies their vendor onboarding checklist.
