Insurance License Hub

The Washington Service Contract Provider license

Service Contract Provider

Sells the extended warranty on the vehicle, the appliance or the home heating fuel service, under a registration rather than a license. The whole qualification is money: $200,000 of net worth behind a reimbursement insurance policy or a bond, or $100,000,000 and no insurance at all. Washington registers the provider and expressly does not register the administrator.

Course

None

This license has no pre-licensing course route.

Ways in

1

There is no state exam for this license.

Exam

n/a

Not required on any of the routes below.

Every way to qualify

  1. Route 1 Register with the commissioner, on financial statements that prove the net worth

    No state exam for this license

    Financial responsibility, at one of two levels

    • Audited annual financial statements, or the most recent statements certified as accurate by two or more officers, proving a minimum net worth or stockholder's equity of $200,000 and the ability to pay debts when they fall due, where the provider relies on a reimbursement insurance policy or a bond to assure performance

    • or

      Audited financial statements, or a form 10-K or 20-F filed with the Securities and Exchange Commission, proving a net worth or stockholder's equity of $100,000,000 and no reimbursement insurance at all, which a parent company's statements may satisfy where the parent has given the commissioner a written guarantee

    and who is behind the business

    • The basic organizational documents, the identity of the executive officers directly responsible for the service contract business, and, where more than half of gross revenue comes from selling service contracts, the directors and any stockholder beneficially owning ten percent or more of a class of securities

    RCW 48.110.030(1) bars acting as, offering to act as, or holding oneself out to be a service contract provider without the registration, and bars the sale of the contract itself to a Washington consumer. The Office is blunter: solicitation or issuance without registration "is an illegal act of insurance" punishable under chapter 48.15 RCW, and the registration is valid only for the named company and cannot be used by an affiliate. $250 to apply under 48.110.030(2)(d) and $200 a year to renew on 1 July under 48.110.030(5), and a registration not renewed expires on the June 30th before. Subsection (6) gives thirty days after the end of the month to report any material change. The sentence worth carrying is the Office's own on chapter 48.110: "This chapter does not provide for the registration of administrators."Two dated changes sit on this registration now. From 2025-07-27 a provider may use more than one reimbursement insurance policy, though one contract may sit under only one of them. And a rule the Office updated on 2026-03-12, effective 2026-04-12, applies WAC 284-20C-020 to motor vehicle tire and wheel, dent, windshield and key fob contracts, which from 2027-01-01 must be filed with the Office for approval.

    Read at app.leg.wa.gov on 2026-08-19

No national seller sells a course for this license. The registration is granted on audited financial statements and a net worth figure, and there is nothing in it a course could prepare anybody for.