Short answer: Washington's Department of Labor & Industries publishes the liability policy on file for every licensed contractor: the insurer, the amount, the effective and expiration dates, and the insurance agency that placed it. It is in L&I's contractor insurance open data, next to the license file that names the owner and the phone. The expiration date is what agents call the X-date.
Want the list without the joins? This month's file has 15,025 Washington contractors whose policy expires between December 3, 2026 and March 3, 2027, sorted by date, with the owner and phone. See 25 real rows free.
Why the date is public
Washington will not register a contractor without general liability insurance, and the insurer reports the policy to L&I. So every active contractor has a policy on file, and every policy has an expiration date the state publishes. Anyone can check one contractor on L&I's Verify tool; the open data has all of them.
What the numbers look like this month
Counted from the file built in 2026-11: 15,025 active contractor companies have a policy expiring between December 3, 2026 and March 3, 2027.
- December 2026: 3,066
- January 2027: 5,669
- February 2027: 5,196
- March 2027: 1,094
Most are $1,000,000 policies (13,366). The largest regions: Seattle and King County 3,843, Everett and the north Sound 2,275, Other or out-of-state address 2,124, Tacoma and the South Sound 2,033. The insurers on the most of them: Ohio Security Ins Co (1,316), Contractors Bonding & Insuranc (1,199), State National Ins Co Inc (851). 11,710 rows name the agency that placed the policy, so you can see who you would be quoting against.
How agents use an X-date
General practice, not a rule: commercial agents tend to open a renewal conversation a few months before the expiration date, so there is time to gather the details and quote before the incumbent renews. A contractor can renew early or switch carriers, so treat the state's date as a reason to call and confirm it on the call.
Doing it yourself
- Download the insurance table and the license table from L&I's open data.
- Join them on the license number, keep active licenses, and filter the expiration date to your window.
- Drop sole proprietors under personal names if you only want companies, and filter by ZIP for your territory.
Or start from the ready file: the same public data, joined, sorted and counted, rebuilt each month.
Before you call
Business-to-business calling and email still have rules: the TCPA, the national Do Not Call registry and its business exemptions, CAN-SPAM, and Washington law on top. Read them by name; this is the reading list, not legal advice. The file leaves out policy numbers: you do not need them to start the conversation.