Workers' Compensation Insurance protects and covers your business against injuries and illness that could occur as a direct result of the work done while your employees are on the job. Washington requires that employers get their coverage through a state-operated fund. Gusto will pay this insurance premium on your behalf to the state. Once you have completed the registration process above, you can find the rates assigned to you online:
- Visit the Washington State Department of Labor & Industries website here
- Select to search by your company name, Workers' Comp account number, or WA UBI number and enter the information.
- Choose on your company name from the list of results.
- Click Workers' Comp Rates.
- Find your Risk Classification, Composite Rate (Hourly Rate) and Employee Deduction (Employee Withholding).
- Enter the information into Gusto and you're all set!
If you are viewing your rates from the WA Workers' Compensation Rate Notice, make sure to input the Total Hourly Rate (combined Hourly Employer Contribution + Hourly Employee Withholding) as the Hourly Rate, and the Hourly Employee Withholding as the Employee Withholding.
If you're running your business as a sole proprietorship or other business type without employees (owners only), you have the choice of not purchasing workers' comp insurance.