Insurance in Mukilteo WA: Your Essential Local Guide

• Auto and Home Insurance in Mukilteo WA •

For those seeking insurance in Mukilteo WA, the city maintains one of the lower property crime rates in Snohomish County, though vehicle-related incidents still occur. While the risk is lower, residents should still maintain appropriate insurance coverage, particularly if they live near higher-traffic areas.

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

• Special Event Insurance at Rose Hill Community Center and Mukilteo Light Station •

Insurance in Mukilteo WA is required in specific situations for special events held at the Rose Hill Community Center and the Mukilteo Light Station, which are based on the number of guests attending the event. These requirements ensure that event organizers and the city are protected against potential liabilities.

Rose Hill Community Center

Insurance Requirement: For events with more than 217 guests, the event organizer must provide a certificate of insurance naming the City of Mukilteo as an additional insured.
Insurance Coverage: The insurance policy must cover general liability, including bodily injury and property damage, with a minimum coverage of $1,000,000 per occurrence and $2,000,000 aggregate.
Liquor Liability: If alcohol is served at the event, liquor liability coverage is required with a minimum coverage of $1,000,000 per occurrence and $2,000,000 aggregate.
Submission Deadline: The insurance certificate must be submitted to the city at least 30 days before the event date.

Mukilteo Light Station

Insurance Requirement: For events with 50 or more guests, the event organizer must provide a certificate of insurance naming the City of Mukilteo as an additional insured.
Insurance Coverage: The insurance policy should cover general liability, including bodily injury and property damage, with a minimum coverage of $1,000,000 per occurrence and $2,000,000 aggregate.
Liquor Liability: If alcohol is served, liquor liability coverage is mandatory with the same minimum coverage as mentioned above.
Submission Deadline: The insurance certificate must be submitted to the city at least 30 days before the event date.

• Surface Water Management Liability Insurance Requirements •

Insurance in Mukilteo WA is also required for surface water management projects, as outlined in Section 13.12.170 of the Mukilteo Municipal Code. Any person constructing storm drainage facilities, such as retention, detention, infiltration, or other drainage treatment/abatement facilities, must maintain a liability policy with the city as an additional insured. The policy amount is determined by the city and protects the city from any liability related to the construction or maintenance of the facility. The liability policy should be submitted before permit issuance and maintained by the facility owner throughout the facility’s lifespan.

• Additional Insurance Considerations in Mukilteo •

Home Insurance: Mukilteo residents should consider home insurance to protect their properties against various risks, including fire, theft, and natural disasters.
Business Insurance: Businesses operating in the city may require various insurance policies, such as commercial property insurance, workers’ compensation, 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 Mukilteo drivers must comply with these requirements.
Renter’s Insurance: Renters in Mukilteo can protect their belongings and obtain liability coverage through renter’s insurance.

In summary, Mukilteo, Washington, has specific insurance requirements for special events at the Rose Hill Community Center and the Mukilteo Light Station, triggered by the number of guests (over 217 for Rose Hill and 50 or more for the Light Station). It also has insurance requirements for anyone constructing storm drainage facilities. These regulations aim to safeguard the city, its residents, and visitors by ensuring that event organizers and construction projects have adequate insurance coverage to manage potential risks and liabilities. Understanding these insurance requirements is crucial for compliance and maintaining a safe and thriving community.

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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

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