Fast Contractor Bonds & Liability Insurance in Lynnwood & Western WA
Same-day Certificates of Insurance (COI) to keep your crew on the job.
As dependable as your most trusted foreman, the Pack at Hood Insurance Agency has your back. No busted tools, injured crew, or stalled job sites will take down your hard work—not while you run with us.
Why Contractor Insurance?
- Secure your tools and workspace — Your gear is your game. Protect it.
- Satisfy contract demands — Clients will want proof before handing you keys.
- Shield your crew and business — Liability, vehicle coverage, comp — bundled, so you don’t overpay.
The Short Answer
To register as a contractor in Washington, you must have two things: a Surety Bond ($30k for General, $15k for Specialty) and General Liability Insurance (at least $250k combined single limit). At Hood Insurance Agency, we specialize in "Bundling the Pack"—getting you the bond, the liability, and the COI (Certificate of Insurance) you need for L&I Form F625-001-000 (Contractor Registration) or F500-019-000 (Electrical/Telecom Bonds), often on the same day.
Registration Checklist
- Get your UBI number.
Get your Bond & Liability from "The Pack."
Take your F625-001-000 to L&I.
Tailored Policies for Every Trade
We understand that every contractor has unique needs, which is why we offer specialized coverage for numerous trades. We proudly serve:
🚰 Plumbers
Flow without worry
❄️🔥 HVAC Specialists
Comfort always covered
🎨🧱 Painters & Drywallers
Coverage as seamless as your work
🌳🌱 Landscapers & Arborists: Strong roots, stronger protection for tree removal, stump grinding, and design-build firms across the Sound.
Strong roots, stronger protection
🛠️ Carpenters
From frame to finish, we’ve got you
Coverage Components
Commercial Property & Inland Marine
Your gear is your lifeblood. Just like a wolf relies on sharp teeth, you rely on your tools. This coverage keeps your equipment protected from fire, theft, or vandalism—whether it’s locked in your Lynnwood shop or sitting on a job site in Bellevue. From heavy machinery to handheld power tools, we ensure your "Pack" is always ready to work.
Even the strongest wolf can stumble. If a ladder falls or damage happens on-site, liability coverage shields your business from claims that could otherwise take down the whole pack. Whether you’re working in Snohomish County or right here in Lynnwood, this is the backbone of contractor protection.
Your trucks and vans are the legs of your operation, carrying the pack from job to job across the Puget Sound region. Auto coverage keeps them moving — even if an accident tries to slow you down.
Every pack looks out for its own. Workers’ comp makes sure your crew is protected if someone gets hurt, while keeping you compliant with Washington state requirements — so your business stays strong and united.
- Get A Contractor Quote
We Know Lynnwood — Trust the Local Pack
We’re not some distant call center. Hood Insurance Agency is based right here in Lynnwood, serving Snohomish County and the rest of Washington State. We know the job sites, the regulations, and the risks because we live and work alongside you.
Beyond Lynnwood: Providing Coverage Across Western Washington
While our roots are in Lynnwood, The Pack protects contractors throughout the Puget Sound. We know that your work takes you across city and county lines, so we’ve streamlined our process to handle Washington State L&I requirements for tradesmen everywhere from the North Sound to the Eastside.
Our Primary Service Areas Include:
Snohomish County: Everett, Edmonds, Mukilteo, Marysville, & Lake Stevens.
King County: Shoreline, Seattle, Bothell, Bellevue, & Kirkland.
Skagit & Island Counties: Mount Vernon, Anacortes, & Oak Harbor.
Frequently Asked Questions for Washington Contractors
1. What are the Washington L&I insurance requirements for contractors?
To work legally in Washington, the Department of Labor & Industries (L&I) requires you to maintain a continuous surety bond and a general liability policy. As of 2024/2025, the bond amounts are $30,000 for General Contractors and $15,000 for Specialty Contractors. Your liability insurance must be at least $250,000 (combined single limit) or a $200k/$50k split.
2. What is the difference between being "Bonded" and "Insured"?
This is the most common point of confusion.
A Bond protects your customers: If you fail to finish a job or follow state laws, the bond pays the customer (and you have to pay the bond company back).
Insurance protects YOU: If a ladder falls and hits a client's car, or your crew causes a fire, your General Liability insurance pays the claim so your business doesn't have to.
The Bottom Line: You need both to be licensed in Washington.
3. How fast can I get a Certificate of Insurance (COI)?
We know that in the trades, "Time is Money." If you're bidding on a job in Lynnwood or Everett and need a certificate today, the "Pack" has you covered. In most cases, we can issue an instant COI once your policy is bound, so you can get on the job site without delay.
4. Does my policy cover my tools and equipment?
A standard General Liability policy covers "the damage you cause," not "the tools you own." To protect your saws, generators, and and specialized diagnostic tools from theft or damage (at the shop or on the job site), you need Inland Marine coverage (Tool & Equipment insurance). This is a low-cost add-on that prevents a single theft from putting you out of business.
5. Do I need Workers' Comp for my subcontractors?
In Washington, L&I is very strict about subcontractor classification. If your subs don't have their own active L&I account and insurance, they may be legally considered your employees in the event of an audit or injury. We always recommend verifying your subs' "Pack" status before they set foot on your job site to avoid massive back-taxes and penalties.
Statewide Bonding & Insurance for the Entire Pack
While our home base is in Lynnwood, Hood Insurance Agency is licensed and equipped to provide contractor bonds and liability insurance across all 39 counties in Washington State. Whether you are working in the Puget Sound, the Olympic Peninsula, or across the Cascades in Eastern Washington, our team can secure your same-day COI and L&I registration bonds wherever your next job site takes you.
Your Next Move — Run with the Pack
Protect your business with a team that’s as loyal as your crew.
📞 Call us at (425) 689-5855
or
➡️ Get a Contractor Quote Online
When you’re ready, we’ll be here — watching over your business like the Pack always does.