ID Workers Comp Information

Find the latest news and best information about Idaho workers compensation insurance.

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 14th most expensive state in the country to purchase 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 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.

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About Workers Compensation in 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.

More Programs and Options

We're always working with our insurance carriers to develop specialized programs for a broad range of industry class codes. Our Target Programs are designed to streamline the underwriting process and help ensure we offer the lowest rates available anywhere.

  • Contractors
  • Home Healthcare
  • Janitorial Services
  • Transportation
  • Hospitality
  • And More
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.


We take the time to make sure your business and employees are classified correctly and then we get to work finding the lowest rates available for your insurance coverage.
  • National workers comp Specialists
  • Licensed throughout the United States
  • Programs for standard and tough class codes
Once we've got your best quotes back from our carriers, we take the time to help you understand your options and the next steps to get covered quickly.
  • Pay As You Go insurance coverage
  • Easy billing and installment plans
  • We've helped over 35,000 business owners
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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