Insurance in Edmonds WA: Your Essential Local Protection Guide

• Auto and Home Insurance in Edmonds WA •

While Edmonds maintains relatively lower property crime rates compared to some neighboring cities, there’s still a notable incidence of vehicle prowls, residential burglaries, and other property crimes. These patterns suggest that while the city is generally safer, maintaining comprehensive coverage with appropriate deductibles remains important.

*Crime data sourced from the Washington State Statistical Analysis Center’s Criminal Justice & Statistics Center (2023), available at https://sac.ofm.wa.gov/data

• General Contractor Insurance in Edmonds WA •

Insurance in Edmonds WA is required for general contractors working on construction projects. According to Section 19.10.050 of the Edmonds Community Development Code, the general contractor of record must carry general public liability insurance effective through final occupancy. The minimum coverage required is $1,000,000, and the policy should name the City of Edmonds as an additional named insured. This insurance protects against injuries, death, property damage, or loss arising from the city’s involvement in the permitting process for the project.

Additionally, the city strongly recommends that property owners maintain liability insurance to indemnify and hold harmless the city in the event of earth subsidence or landslides occurring on their property.

• Special Event Insurance in Edmonds WA •

Edmonds has a comprehensive process for permitting special events that impact city rights-of-way, public property, and other facilities. Chapter 4.100 of the Edmonds City Code outlines the insurance requirements for special event permits.

Any person wishing to conduct a special event within the city must first obtain a special event permit, unless specifically exempt. The permit applicant is required to obtain commercial general liability insurance in amounts acceptable to the city attorney’s office. Written proof of insurance is necessary before permit issuance, and the policy should be written on an occurrence basis, naming the city as an additional insured. The insurance period should cover the setup and cleanup phases of the event.

If liquor is served as part of the special event, liquor liability coverage is mandatory. A vendor hired to serve liquor must provide evidence of liquor liability coverage, naming the city as an additional insured. The special event permittee serving liquor directly should obtain host liquor coverage as part of their commercial general liability insurance.

• Concession Agreements and Insurance in Edmonds WA •

Edmonds also regulates concession agreements, which are leases of public property or city rights-of-way. These agreements are legislative decisions made at the sole discretion of the city council. Concession agreements may include the lease of public property for vending food, beverages, merchandise, or providing various services.

When entering into a concession agreement, the lessee is required to provide proof of insurance with a minimum coverage of $1,000,000 per occurrence and $5,000,000 in the aggregate, or as recommended by the Washington Cities Insurance Authority. This insurance protects the city, its officers, agents, employees, and volunteers from potential liabilities associated with the concession activity.

• Recommended Insurance in Edmonds WA •

Home Insurance: Residents of Edmonds should consider home (whether homeowners, renters, condo, or manufactured home) insurance to protect their properties against various risks, including fire, theft, and natural disasters.
Business Insurance: Businesses operating in the city may need various insurance policies, such as commercial property and professional liability insurance, depending on their industry and specific risks.
Health Insurance: Washington state offers a health insurance marketplace, and residents are encouraged to have adequate health coverage.
Auto Insurance: Washington state mandates auto insurance with minimum liability coverage, and Edmonds drivers must comply with these requirements.
Renter’s Insurance: Renters in Edmonds can protect their belongings and obtain liability coverage through renter’s insurance.

Ready to explore how we can safeguard what matters most to you?

Insurance Topics

Types of insurance

Home

Homeowners · Condo · Townhome · Mobile Home · Tiny Home · Manufactured Home · Landlord · Renters · Earthquake · Flood · Property · Mortgage · Land Movement

Vehicle

Auto · Motorcycle · RV · Side-by-side · ATV · Dirtbike · Jetski · Boat · Yacht · Sailboat

Life

Term Life · Universal Life · Variable Universal Life · Whole Life

Business

Bond and Surety · Business Owner · General Liability · Professional Liability · Directors and Officers Liability · Errors and Omissions · Inland Marine · Tools

Other

Aviation · Personal Liability (Umbrella) · Crop ·

Insurance Requirements in Snohomish County

Insurance Requirements for Licenses, Permits, and Activities

Insurance Requirements by City

Everett · Marysville · Bothell · Edmonds · Lake Stevens · Lynnwood · Mukilteo · Arlington · Mill Creek · Snohomish

Washington State Insurance Industry Terminology

Act of God · Adverse Selection · Actual Cash Value · Cash Value · Broad Form · Broker · Cancellation · Claim · Claims Adjuster · Deductible (Co-insurance, Copayment, Out-of-pocket Expense) · Declarations Page · Explanation of Benefits · Force Majeure · Full Coverage · Indemnity · Insurability · Insurable Interest · Insurance Fraud · Insured-to-value (ITV) · Proximate Cause · Replacement Value · Risk Pool · Self-insurance · Total Loss · Hazard · Peril · Underwriting · Termination · Non-renewal · Inspection · SR-22

Insights