What kind of insurance do home builders need in Washington?

Most home builders should carry general liability, builders risk insurance, workers compensation, and commercial auto coverage. Depending on your business structure, you may also need bonds, inland marine (tools and equipment), or professional liability if you provide design services.

Is builders risk insurance required for remodelers?

While not legally required, builders risk insurance is highly recommended for remodelers—especially for larger or longer-term projects. It helps cover damage to materials, unfinished work, and jobsite theft.

What does general liability insurance cover for contractors?

General liability covers third-party injuries, property damage, and legal costs that may arise during or after a project. It’s foundational protection for any licensed contractor in Washington.

Do I need workers comp if I only use subcontractors?

If your subcontractors are truly independent and carry their own insurance, you may not need coverage for them—but Washington’s rules are strict, and it’s easy to misclassify. We can help you navigate what’s required and avoid penalties.

Can you help with surety and contractor bonds?

Yes—we offer contractor bonds including license and permit bonds, bid bonds, and performance bonds. We’ll help you meet state requirements and stay competitive on bids.

How do I get a builder’s insurance quote in Washington?

Just reach out! We’ll ask a few questions about your business, review your current coverage (if any), and shop policies from over 35 carriers to find the right fit. No pressure, just real answers.

Insurance for Home Builders & Remodelers

As a builder or remodeler, you don’t just manage materials—you manage risk. From jobsite liability to subcontractor coverage, the right insurance protects your business, your team, and every project you put your name on.

At Strategy Insurance Brokers LLC, we bring nearly 50 years of experience helping Washington contractors secure the coverage they need—without the guesswork. Whether you build custom homes or manage multi-phase remodels, we’ll help you craft a policy that works as hard as you do.

What kind of insurance do home builders need in Washington?
Most home builders should carry general liability, builders risk insurance, workers compensation, and commercial auto coverage. Depending on your business structure, you may also need bonds, inland marine (tools and equipment), or professional liability if you provide design services.
Is builders risk insurance required for remodelers?
While not legally required, builders risk insurance is highly recommended for remodelers—especially for larger or longer-term projects. It helps cover damage to materials, unfinished work, and jobsite theft.
What does general liability insurance cover for contractors?
General liability covers third-party injuries, property damage, and legal costs that may arise during or after a project. It’s foundational protection for any licensed contractor in Washington.
Do I need workers comp if I only use subcontractors?
If your subcontractors are truly independent and carry their own insurance, you may not need coverage for them—but Washington’s rules are strict, and it’s easy to misclassify. We can help you navigate what’s required and avoid penalties.
Can you help with surety and contractor bonds?
Yes—we offer contractor bonds including license and permit bonds, bid bonds, and performance bonds. We’ll help you meet state requirements and stay competitive on bids.
How do I get a builder’s insurance quote in Washington?
Just reach out! We’ll ask a few questions about your business, review your current coverage (if any), and shop policies from over 35 carriers to find the right fit. No pressure, just real answers.