Washington insurance fraud training

The requirement

What Washington requires

RCW 48.30A.045 requires each insurer licensed to write direct insurance in Washington to file an antifraud plan, within six months of licensure, and to file changes within 30 days. Health carriers, life insurers, title insurers, credit-related insurers, insurers whose Washington premium is mostly medical malpractice, and insurers with less than $1,000 in Washington premium are exempt.

Under RCW 48.30A.050(5), the plan must include procedures to train company employees and agents in the detection and prevention of fraud. The Office of the Insurance Commissioner's guidelines ask the plan to explain the type, frequency and monitoring of training for company, agency, claims and underwriting staff, and say a plan may not simply state that fraud training is in place.

An annual summary report of antifraud activity is due by March 31 (RCW 48.30A.060). The statute sets no training hours.

• Train company employees and agents to detect and prevent fraud
• Describe the type, frequency and monitoring of training in the plan
• File the plan within 6 months of licensure; changes within 30 days
• Annual antifraud report due March 31

Sources, checked October 2026

• RCW 48.30A.050, Specific procedures (Washington Legislature)
• RCW 48.30A.045, Antifraud plan required (Washington Legislature)
• Washington OIC, Anti-fraud plan guidelines

How NATG helps

Meet the Washington mandate with one program

• Annual and new-hire anti-fraud courses in versions for each line of business and department
• Online, or instructor-led at your location
• Completion records, certificates and reports for your fraud plan and examiners
• One program for every state you write in, tracked in one place

NATG specializes in insurance fraud and investigations. Our compliance courses are built around the detection, referral and reporting duties in state fraud plans.