Commercial Insurance Policies

On this page:

Accidental Death and Dismemberment

  • Accidental Death and Dismemberment (AD&D) provides coverage for the participants of day care programs, cooperative preschools, sports camps, and Upward Bound programs sponsored by community colleges.
  • Athletic Insurance Program provides accidental death and dismemberment benefits for authorized participants of scheduled, college sponsored games and practices.
  • Student Injury and Sickness Insurance provides medical coverage for registered students taking 6 or more credit hours per quarter.
  • Aviation AD&D provides benefits to state employees who fly on state-owned aircraft or participate in policyholder student programs/activities sponsored, scheduled and supervised by the policyholder.
  • For questions about AD&D Policies, contact John Christenson at 360-407-9461 or john.christenson@des.wa.gov.

Auto

  • Auto Physical Damage covers physical damage only to scheduled vehicles.
  • Auto Physical Damage & Liability covers physical damage as well as liability insurance to scheduled vehicles .
  • For questions about auto policies, contact Kim Haggard at 360-407-8139 or kimberly.haggard@des.wa.gov.

Aviation

  • Excess Aviation Liability provides liability coverage including passenger liability for losses arising out of the operation of an aircraft and/or an airport.
  • Aviation Liability & Hull Insurance provides coverage for any kind of direct and accidental physical damage or loss to aircraft hull and coverage for bodily injury, personal injury and property damage liability.
  • Airport Liability provides liability coverage for airport operations.
  • Click here for a list of Frequently Asked Questions.
  • For questions about the aviation policies, contact Kim Haggard at 360-407-8139 or kimberly.haggard@des.wa.gov.

Boiler & Machinery

  • Boiler and Machinery provides coverage for damage to boilers and/or equipment (used for the generation, transmission, or utilization of energy) resulting from mechanical breakdown and explosion.
  • Click here for a list of Frequently Asked Questions.
  • For questions about the boiler and machinery policy, contact Kim Haggard at 360-407-8139 or kimberly.haggard@des.wa.gov.

Bonds

  • Public Employees Fidelity Blanket Bond covers loss sustained by the state due to any fraudulent or dishonest act or acts committed by any state employee.
  • Public Officials Bond offers coverage for loss of money or other personal property sustained by the state of Washington as a result of a public official who fails to do his or her duties as such.
  • Safekeeping & Public Property Bond – indemnity agreement between DOT and US Army for the loan of military equipment.
  • Notary Bonds – between 500 and 600 notary bonds are purchased each year to enable state employees to serve as notaries public.
  • For questions about bonds, contact Kim Haggard at 360-407-8139 or kimberly.haggard@des.wa.gov.

Equipment Floater

  • This policy provides physical damage coverage for off-road equipment being rented by state agencies. For example; DOT might purchase this insurance to cover heavy equipment rented for road work, snow removal, etc.
  • For questions about equipment floaters, contact Kim Haggard at 360-407-8139 or kimberly.haggard@des.wa.gov.

Excess Liability

  • Excess Liability protects the state’s self-insurance liability program for damages in excess of the self-insured retentions that the state is legally obligated to pay arising from personal injury, property damage, advertising injury, or errors and omissions to a third party.
  • For questions about excess insurance, contact John Christenson at 360-407-9461 or john.christenson@des.wa.gov.

Fine Arts

Foreign Liability

  • Foreign Liability provides general liability and automobile liability coverage for Washington state employees who are traveling in foreign countries on state business. Click here to view a summary of coverage.
  • Click here for a list of Frequently Asked Questions.
  • For questions about the foreign liability policy, contact John Christenson at 360-407-9461 or john.christenson@des.wa.gov.

Marine

  • The Master Marine policy provides liability and hull & machinery coverage for ferry vessels owned by the Department of Transportation Marine Division including terminals, quays and docks.
  • Excess Marine Liability provides excess protection and indemnity as well as excess collision liability.  Pollution liability is excluded.
  • Marine (non-ferries) policies provide hull & machinery, liability, pollution and excess liability coverage for watercraft under 26 feet in length and powered by no more than 50 hp.
  • Click here for a list of Frequently Asked Questions.
  • For questions about the marine policies, contact John Christenson at (360) 407-9461 or john.christenson@des.wa.gov.

Master Property

  • The Master Property Insurance policy offers specified perils coverage of direct physical damage (including earthquake and flood) to scheduled electronic data processing equipment, contents and real property. Click here to view a summary of coverage.
  • Click here for a list of Frequently Asked Questions.
  • If you would like to add, delete, or change property coverage to this policy, please fill out this form and email it to desmimasterproperty@des.wa.gov.
  • For questions about the master property policy, contact Kim Haggard at (360) 407-8139 or kimberly.haggard@des.wa.gov.

Medical Student General Liability

  • Provides coverage for third party bodily and personal injury (non-medical in nature) caused by medical student interns.
  • For questions about the medical student general liability policy, contact Kim Haggard at (360) 407-8139 or kimberly.haggard@des.wa.gov.

Out-of-State Workers Compensation

  • Out-of-state workers compensation provides coverage for Washington Employees who work out of the state of Washington for 30 or more days (successive or non-successive) per year.
  • Click here for a list of Frequently Asked Questions.
  • For questions about the out-of-state workers compensation, contact John Christenson at (360) 407-9461 or john.christenson@des.wa.gov.

Student Medical Malpractice

  • Student Medical Malpractice provides professional liability for students while they are taking courses at a state college and fulfilling their practical or intern requirements. 
  • For questions about the student medical malpractice policy, contact Kim Haggard at (360) 407-8139 or kimberly.haggard@des.wa.gov.

Student Intern Professional Liability

  • Provides professional liability for students while they are taking courses at a state college and fulfilling their practical or intern requirements.
  • For information regarding the student intern professional liability policy, contact Kim Haggard at (360) 407-8139 or kimberly.haggard@des.wa.gov.

Special Event Coverage

Note

All certificates of insurance for commercial insurance policies are issued by the state's insurance broker.