Washington Workers' Compensation Insurance (WA WCI)

Washington provides a "WA Workers Compensation Rate Notice" that contains the business's class codes and hourly rates for employer and employee withholding to employers after completion of the Business License Application.

Once the business opens an account, the business is assigned an "L&I account manager" to answer any question.

Basic premiums depend on the "risk classification" assigned to the business.

When businesses apply, underwriters will assign one, or more, risk classifications

New "WA Workers Compensation Rate Notices" are provided whenever premium rates or experience factor ratings are recalculated.

The rate notice tells you the rate per worker, per hour/unit for each risk classification. These are also known as "composite rates" because they are a combination of four separate components (the accident fund, medical aid fund, Stay at Work program and the supplemental pension funds)

To properly set-up WA WCI, Ludt Payroll needs to be provided with the "WA Workers Compensation Rate Notice."

Exclusions:

For out-of-state employers and out-of-state workers traveling into Washington state, the employer MAY still be required to purchase workers compensation insurance through Washington L&I, see details here: https://lni.wa.gov/insurance/insurance-requirements/do-i-need-a-workers-comp-account/out-of-state-employers-and-out-of-state-workers

Washington employees traveling out of Washington state are under Washington state jurisdiction for workers' compensation coverage, there are additional details should the employee's be traveling to reciprocal states see details here: https://lni.wa.gov/insurance/insurance-requirements/do-i-need-a-workers-comp-account/out-of-state-employers-and-out-of-state-workers#washington-employees-traveling-out-of-state

Corporate officers may be excluded, see requirements here: https://lni.wa.gov/insurance/insurance-requirements/do-i-need-a-workers-comp-account/corporate-officers#non-public-corporations

LLC members and managers may be excluded. If the LLC does not have managers, members are generally excluded -- if management of the company is restricted to certain members, only those members are exluded. See additional details here: https://lni.wa.gov/insurance/insurance-requirements/do-i-need-a-workers-comp-account/llc-members

There are other exemptions for Taxi/Limousine/Cabulance as well as Maritime employees, see details here: https://lni.wa.gov/insurance/insurance-requirements/do-i-need-a-workers-comp-account/