Workers' Compensation Insurance Agency

Protect your employees and stay compliant with Washington State requirements. Workers' comp insurance provides medical and wage benefits for job-related injuries.

If your business is in the state of Washington and you employ five or more people, it is required by law that you carry workers' compensation insurance.

Workers' Compensation

Workers' Compensation Insurance in Washington works two ways: it protects your employees and it protects your business. If an employee is injured on the job, Workers’ Comp insurance will pay for medical care, disability - whether permanent or temporary, and death benefits. If you are found to be liable and found to be at fault for their injury, then Workers' Comp will cover the costs for defending against a lawsuit.

Legal Defense

You also have the option of purchasing legal defense coverage which covers any legal fees incurred by your lawyer in defending against a claim. You may incur these fees whether the judge rules in your favor or not.

FAQ

What does Workers' Compensation Insurance typically cover?

Workers' Compensation Insurance coverage can include protections that vary by carrier and policy form. Sea Mountain Insurance helps you compare options and select limits and endorsements that fit your situation.

How do I know what limits I need?

Limits depend on your assets, contractual requirements, and risk exposure. A short review of your current policies and goals is usually enough to recommend an appropriate starting point.

Can Sea Mountain Insurance compare multiple carriers?

Yes. As an independent agency, Sea Mountain Insurance can shop multiple top-rated carriers to help you balance coverage, pricing, and service.

How quickly can I get a quote?

Timing depends on the line of coverage and required documentation. Many personal lines can be quoted quickly, while specialty business or marine risks may require additional underwriting details.

What information should I have ready?

In general: current policy declarations (if available), loss history, key asset details (vehicles, property, equipment), and any contract or lender requirements.

Do I need additional endorsements?

Endorsements can fill common gaps (e.g., additional insureds, equipment coverage, higher liability limits). Your specialist can identify what is appropriate based on your needs.

 

We Can Help

At Sea Mountain Insurance, we're not your typical insurance agency. We're an independent insurance agency representing some of the top property & casualty companies in the country. We're able to offer our clients a broad range of products that provide them with the assurance that they need to protect their assets, their family's future, and their livelihood. Contact us about Workers' Compensation Insurance or for a free review and quote for Workers' Compensation Insurance.

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