Wash. Rev. Code » Title 48 · Chapter 48.32
Revised Code of Washington

Wash. Rev. Code § 48.32.020 (2026)

Scope

✓ current as of May 2026
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This chapter applies to all kinds of direct insurance, except life, title, surety, disability, credit, mortgage guaranty, workers' compensation, and ocean marine. Workers' compensation as used in this section does not include longshore and harbor workers' compensation act insurance.
[ 2005 c 100 s 2; 1987 c 185 s 29; 1975-'76 2nd ex.s. c 109 s 2; 1971 ex.s. c 265 s 2.]

Notes:

Intent—Severability—1987 c 185: See notes following RCW 51.12.130.
Notes of Decisions
Cited in 5 cases, 1980–1993 · leading case: Seattle-First Nat'l Bank v. Washington Ins. Guar. Ass'n, 804 P.2d 1263 (Wash. 1991).
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Seattle-First Nat'l Bank v. Washington Ins. Guar. Ass'n, 804 P.2d 1263 (Wash. 1991). · cites it 5× “3 All foreign and domestic insurance companies which write direct insurance as set forth in RCW 48.32.020 are required to be members of WIGA as a condition of transacting business in Washington.”
Washington Ins. Guar. Ass'n v. Mullins, 816 P.2d 61 (Wash. Ct. App. 1991). · cites it 2× “) RCW 48.32.020. A covered claim is: an unpaid claim, including one for unearned premiums, which arises out of and is within the coverage of an insurance policy to which this chapter applies issued by an insurer, if such insurer becomes an insolvent insurer after the first day…”
Proios v. Bokeir, 863 P.2d 1363 (Wash. Ct. App. 1993). · cites it 2× “Compare RCW 48.32.020 (accident and health insurance not listed among types of insurance excluded from chapter).”
Agency Budget Corp. v. Washington Ins. Guar. Ass'n, 610 P.2d 361 (Wash. 1980). “All foreign and domestic insurance companies which write direct insurance as specified in RCW 48.32.020 are required to be members of the association as a condition of transacting business in Washington.”
Washington Ins. Guar. Ass'n v. Dep't of Labor & Indus., 859 P.2d 592 (Wash. 1993). “The Guaranty Act itself is patterned after a model act written by the National Association of Insurance Commissioners (NAIC).”
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