How does workers' comp work in Idaho?

Whether your business is located in Boise, Nampa, Idaho Falls, or Lewiston, we have access to more insurance carriers and can negotiate lower workers' compensation rates for your business. We specialize in workers' comp and we partner with more than a dozen carriers who are actively quoting policies in Idaho. Because we partner with more carriers than most agencies we can negotiate for better coverage and lower prices.

Rates on Workers Compensation Insurance are fairly high in Idaho and it has been on the rise over the past 5 years. Idaho is currently the 16th most expensive state in the country to buy work comp coverage. Just five years ago it was lower than the national average.

Idaho has its own state fund that competes with the open market. The State Insurance Fund was created by the Idaho Legislature in 1917. It is not tax-supported and the State of Idaho is not liable for any indebtedness incurred by the Fund. The State Insurance Fund has no regulatory or enforcement powers. Idaho also partners with the National Council on Compensaiton Insurance (NCCI) to determine rates on class codes and to administer the assigned risk for the state. States that have a partnership like this typically enjoy lower rates. Because of the small populaiton in Idaho there just is not much competition amongst carriers on the open market. For this reason Workers' Comp Rates in Idaho continue to rise.

Don't pay too much for you coverage. Our agents have the knowledge and expertise to help you get the best coverage at the lowest rates in the industry. Start a quote online or call one of our friendly agents at 888-611-7467.

Workers' Comp Rules & Information for Idaho

Idaho Department Of Insurance

P.O. Box 83720
Boise, ID 83720-0041

What is Workers' Compensation?

The basic purpose of the Workers’ Compensation is to provide wage replacement benefits and medical treatment for employees who have been injured or become ill due to a work-related injury or illness. It prevents the employer from bearing the costs of injuries that occur during normal business operations.

Idaho State Insurance Fund

The State Insurance Fund was created by the Idaho Legislature in 1917 as a part of the Workers' Compensation Act. The Legislature created the State Insurance Fund for the purpose of providing a reliable source of workers compensation insurance for Idaho employers and to provide security for the payment of benefits to covered workers. The State Insurance Fund is not tax-supported and the State of Idaho is not liable for any indebtedness incurred by the Fund.

How does workers' comp help my business?

Your business benefits from workers' compensation coverage, by not being liable for injuries that occur as a part of normal business operations. This applies whether the injury was the fault of the business or was caused by negligent actions of the employee. You can move forward with your business operations knowing that if one of your employees is injured because of something that happens as a normal part of your business operations, your business is not liable for the costs.

Idaho is an NCCI State

Idaho partners with the National Council on Compensation Insurance (NCCI). NCCI gathers data, analyzes industry trends, and prepares objective insurance rate and loss cost recommendations. NCCI is the nation’s most experienced provider of workers compensation information, tools, and services. Idaho uses NCCI to determine rates on workers' compensation coverage only. Not to administer the assigned risk.

How does workers' comp help my employee?

Employees benefit from workers' comp coverage by having lost wages covered while they are hurt or sick and not able to work. It also pays for medical costs they might incur as a result of the sickness or injury.

Idaho Insurance Directives Regarding Covid-19

The following activities will not be considered unfair trade practices: 1) fee/penalty waiver related to insured’s temporary inability to pay premium or otherwise respond to insurer’s inquiries; 2) premium payment grace period; 3) additional time before nonrenewal/cancellation effective; 4) proof of loss deadline extension; 5) for auditable policies, allowing self-audit and self-reporting in lieu of physical audit; 6) electronic payment.  Insurers may present proposals to adjust for changes in risk exposure (e.g., temporary premium reductions; premium refund).

Discretionary order in effect from 04/15/2020 - further notice.

State Orders Regarding Insurance Claims Related to Coronavirus

No current state orders.

Specialized Programs for Select Industries

We work with our national insurance partners to develop targeted programs with easier underwriting requirements and lower rates. We offer a broad range of business class codes that help streamline the quote process so you get the lowest price for coverage.

Knowing the Idaho workers comp requirements can help lower the cost of coverage.

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Idaho Work Comp Information

We quote many industries in Idaho.

We write every industry type in the state of Idaho and have the ability to write Assigned Risk coverage for higher modifiers or tough class codes.

Some of the employer types we currently serve include: retail stores, home health care, grocery stores, landscaping, construction, restaurants and roofing just to name a few.

Let Workers Compensation help your business navigate workers' comp insurance in Idaho.

Experienced Experts

From ownership rules, class code reviews, to managing audits & claims, we've got your business covered.

Fast Quotes

Our technology matches your business with insurance companies most likely to offer the best deals.

Strong Relationship

We leverage our experience and relationships to negotiate your lowest workers' comp rates.

More Options

No carrier quotes every class code. That's why we've built a diverse group of great insurance companies.

Workers' Comp Includes Employers Liability Insurance?

Employers liability insurance is an additional layer of coverage included as part of a workers' compensation insurance policy. Employers Liability is known as Part 2 of the policy. It adds two additional coverages for employers:

Employers Legal Liability and Legal Defense Costs

In today's world, there are a variety of reasons employees and third-parties sue employers for damages. Here a some common types covered by employers liability insurance:

Third Party Lawsuits

Your employee sues another party that may have contributed to the injury, In turn, the third party sues your business.

Consequential Bodily Injury

Another party or individual is injured while providing care for the injured employee.

Dual Capacity Legal Action

An employee files a claim but also attempts to sue the employer for being responsible in other ways outside of the employment relationship.

Loss of Consortium

A spouse sues for damages caused by the loss of companionship or relations.

Employers Liability coverage is not included with coverage in the four monopolistic states. Employers in these states can endorse this coverage onto their General Liability policy. That coverage is commonly known as Stop Gap Coverage.

Workers' Comp Covers ID Employers from Injury Related Expenses & Lawsuits
Employers liability insurance is included under a workers' comp policy in most states.
  • Employers liability coverage is not included in all monopolistic states.
  • All NCCI and most other states' coverage includes employers liability insurance.
Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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