5 Reasons Why Hiring an L&I Insured Contractor Matters

Hiring a contractor for your home or business is a big decision. You want someone reliable, skilled, and above all, someone who operates legally and safely. In Washington State, that means choosing a contractor who is licensed, bonded, and insured through the Department of Labor & Industries (L&I).

Let’s break down why working with an L&I-insured contractor is so important.

1. Financial Protection for Homeowners

When a contractor is insured through L&I, you are protected if something goes wrong. If there is property damage, injury, or unfinished work, you can file a claim. Without proper insurance, you could end up responsible for these costs out of pocket.

2. Proof of Professionalism

Contractors who carry L&I insurance have met Washington’s requirements for operating legally. They’ve taken the time to register, pay for bonding and insurance, and maintain their credentials. That’s a sign they take their business seriously and are more likely to follow industry standards.

3. Worker Safety and Coverage

If a worker gets hurt on your property, L&I coverage protects both them and you. An uninsured contractor might try to hold you liable for injuries that happen on the job. With L&I coverage, those costs are handled through the state’s workers’ compensation program.

4. Support for Disputes and Complaints

If a project goes wrong and you’ve hired a licensed contractor, L&I gives you a clear path to file a complaint. The agency can investigate the issue and take action if needed. This support isn’t available when working with unlicensed or uninsured contractors.

5. Peace of Mind

Above all, hiring an L&I insured contractor gives you confidence. You know the person you’ve hired is accountable to state standards, financially backed by a bond, and covered in case of an accident.

How to Check If a Contractor Is Insured

You can verify a contractor’s insurance, license, and bond status in just a few minutes – click here to see if the contractors you’re interested in are in compliance here.

Final Thoughts

Choosing a contractor with L&I insurance isn’t just about following the law. It’s about protecting your investment, your property, and your peace of mind. Don’t skip this step. Always verify before you hire.