Wash. Rev. Code » Title 48 · Chapter 48.15
Revised Code of Washington

Wash. Rev. Code § 48.15.020 (2026)

Solicitation by unauthorized insurer prohibited—Personal liability

✓ current as of May 2026
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(1) An insurer that is not authorized by the commissioner may not solicit insurance business in this state or transact insurance business in this state, except as provided in this chapter.
(2)(a) A person may not, in this state, represent an unauthorized insurer except as provided in this chapter. This subsection does not apply to any adjuster or attorney-at-law representing an unauthorized insurer from time to time in this state in his or her professional capacity.
(b) A person, other than a duly licensed surplus line broker acting in good faith under his or her license, who makes a contract of insurance in this state, directly or indirectly, on behalf of an unauthorized insurer, without complying with the provisions of this chapter, is personally liable for the performance of such contract.
(3) Each violation of subsection (2) of this section constitutes a separate offense punishable by a fine of not more than twenty-five thousand dollars, and the commissioner, at the commissioner's discretion, may order replacement of policies improperly placed with an unauthorized insurer with policies issued by an authorized insurer. Violations may result in suspension or revocation of a license.
[ 2003 c 250 s 2; 1992 c 149 s 1; 1983 1st ex.s. c 32 s 3; 1980 c 102 s 2; 1947 c 79 s .15.02; Rem. Supp. 1947 s 45.15.02.]

Notes:

Severability—2003 c 250: See note following RCW 48.01.080.
Notes of Decisions
Cited in 2 cases (2 in the last 5 years), 2023–2025 · leading case: Envolve Pharmacy Solutions, Inc., V. State Of Wa, Dept Of Revenue, 524 P.3d 1066 (Wash. Ct. App. 2023).
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Envolve Pharmacy Solutions, Inc., V. State Of Wa, Dept Of Revenue, 524 P.3d 1066 (Wash. Ct. App. 2023). “030(1) and if it were, it would have to pay a premiums tax under RCW 48.15.020. The Department’s argument misses the point—while Envolve may not be an “insurer,” Coordinated Care is, and Coordinated Care pays a premium tax based on fulling the duties under the HCA contract,…”
Craig R. Jolley, Dmd, Pllc, V. State Of Wa Off. Of Ins Comm'r (Wash. Ct. App. 2025). · cites it 2× “060(3)(a)-(b); RCW 48.15.020(1). “Insurance is a contract whereby one undertakes to indemnify another or pay a specified amount upon determinable contingencies.”
— Wash. Rev. Code § 48.15.020(1) — 1 case
Craig R. Jolley, Dmd, Pllc, V. State Of Wa Off. Of Ins Comm'r (Wash. Ct. App. 2025). “060(3)(a)-(b); RCW 48.15.020(1). “Insurance is a contract whereby one undertakes to indemnify another or pay a specified amount upon determinable contingencies.”
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