What are the mandatory COI insurance limits for a Commercial Janitorial & Disaster Restoration in Washington?

Standard general contractors and commercial projects in Washington require $1,000,000 per occurrence, $2,000,000 general aggregate, and $1,000,000 umbrella coverage per Washington Department of Labor & Industries (L&I) guidelines.

Why do general contractors reject ACORD 25 certificates?

The top 3 reasons for certificate rejection are: (1) Missing completed operations additional insured endorsements (CG 20 37), (2) General aggregate limit set below project specifications, and (3) Fatal Action Over or Labor Law 240 exclusion endorsements.

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Commercial Janitorial & Disaster Restoration COI Requirements in Washington

Verified compliance checklist for subcontractors operating in Washington under Washington Department of Labor & Industries (L&I).

Statutory Policy Minimums

Coverage Type	Mandatory Specification
General Liability (Each Occurrence)	$1,000,000
General Aggregate Limit	$2,000,000
Umbrella / Excess Liability	$1,000,000
Workers' Compensation	Monopolistic State Fund mandatory
Regulatory Oversight	Washington Department of Labor & Industries (L&I)

Mandatory High-Risk Endorsements

Subcontractors in Commercial Janitorial & Disaster Restoration are routinely exposed to exclusions that leave General Contractors liable. Verify these endorsements are attached:

🛡️ Lost Key & Lock Replacement Rider🛡️ Janitorial Services Third-Party Dishonesty Bond🛡️ Biohazard / Mold Remediation Liability

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