Washington Day Care businesses pay $125–$625/month.
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| Location | Est. Monthly Rate | Get Quote |
|---|---|---|
| Seattle | $188–$938/mo | Compare → |
| Spokane | $138–$688/mo | Compare → |
| Tacoma | $150–$750/mo | Compare → |
| Vancouver | $144–$719/mo | Compare → |
| Bellevue | $181–$906/mo | Compare → |
| Kent | $156–$781/mo | Compare → |
| Everett | $150–$750/mo | Compare → |
| Renton | $163–$813/mo | Compare → |
| Kirkland | $175–$875/mo | Compare → |
| Bellingham | $144–$719/mo | Compare → |
| King County | $188–$938/mo | Compare → |
| Pierce County | $150–$750/mo | Compare → |
| Snohomish County | $153–$763/mo | Compare → |
| Spokane County | $138–$688/mo | Compare → |
| Clark County | $144–$719/mo | Compare → |
| Thurston County | $140–$700/mo | Compare → |
| Kitsap County | $144–$719/mo | Compare → |
| Whatcom County | $138–$688/mo | Compare → |
| Benton County | $131–$656/mo | Compare → |
| Yakima County | $125–$625/mo | Compare → |
Day Care businesses in Washington typically pay $125–$625/month for workers' compensation insurance. Rates vary by city, revenue, employee count, and claims history.
Yes — Washington requires workers' compensation for most employers with at least one employee. Day Care businesses that skip coverage face stop-work orders and personal liability.
Workers' Compensation Insurance covers employee medical bills, lost wages, and employer liability for workplace injuries. For Day Care businesses, key covered scenarios include: Third-party bodily injury claim; Property damage liability; Employee workplace injury.
Top exposures: (1) Third-party bodily injury claim, (2) Property damage liability, (3) Employee workplace injury, (4) Professional error or omission.
Top carriers in Washington for Social & Community Services businesses: The Hartford, Travelers, Liberty Mutual, Nationwide, Coterie, Thimble, CNA, and Employers. Use ERGO Next to compare coverage options from top-rated commercial carriers.
Yes — most Day Care policies can be quoted, bound, and issued same-day. Your Certificate of Insurance is available immediately after binding.
Rate estimates reflect 2026 industry data adjusted for Washington cost index. Content reviewed by My Digital Kube editorial team, licensed commercial insurance professionals.