Wash. Rev. Code » Title 48 · Chapter 48.05
Revised Code of Washington

Wash. Rev. Code § 48.05.030 (2026)

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✓ current as of May 2026
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(1) No person shall act as an insurer and no insurer shall transact insurance in this state other than as authorized by a certificate of authority issued to it by the commissioner and then in force; except, as to such transactions as are expressly otherwise provided for in this code.
(2) Every certificate of authority shall specify the name of the insurer, the location of its principal office, the name and location of the principal office of its attorney-in-fact if a reciprocal insurer, and the kind or kinds of insurance it is authorized to transact in this state.
(3) The investigation and adjustment of any claim in this state arising under an insurance contract issued by an unauthorized insurer, shall not be deemed to constitute the transacting of insurance in this state.
[1947 c 79 s .05.03; Rem. Supp. 1947 s 45.05.03.]
Notes of Decisions
Cited in 2 cases (2 in the last 5 years), 2022–2026 · leading case: Bandy v. All. for Shared Health Inc (E.D. Wash. 2022).
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Bandy v. All. for Shared Health Inc (E.D. Wash. 2022). · cites it 2× “CODE §48.05.030 (2022). 2 As defined, insurance is “a contract whereby one undertakes to indemnify another 3 or pay a specified amount upon determinable contingencies.”
Schaal (E.D. Wash. 2026). · cites it 2× “Schaal alleges IAT is transacting the business of insurance in 3 Washington without a COA as required by RCW 48.05.030. IAT does not deny 4 that it lacks a COA.”
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