Business Insurance in Idaho

Compare multiple quotes from top carriers with one application.
Purple syringa blossoms, Idaho's state flower.
Logos of Insureon's Partners
We partner with trusted A-rated insurance companies

Save money by comparing insurance quotes for Idaho businesses

United States map.

Learn about Idaho's insurance requirements

Fill out one application.

Complete one free online application

Multiple insurance quotes to compare.

Compare multiple quotes and choose the best coverage

What are the requirements for small business insurance in Idaho?

State laws can affect which insurance policies you need for your small business. These policies are required for Idaho businesses.
Blue check mark

Workers' compensation insurance

If you employ one or more full-time, part-time, seasonal, or occasional employees, the state of Idaho requires you to maintain a workers' compensation policy unless you are specifically exempt from the law. You must have workers' compensation in place when the first employee is hired. This policy covers medical bills for work injuries and illnesses.

Blue check mark

Commercial auto insurance

All business-owned vehicles in Idaho must be covered by commercial auto insurance. Idaho requires a minimum of $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $15,000 property damage liability per accident.

Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.

Recommended insurance policies for small businesses in Idaho

General liability insurance icon

General liability insurance

This policy is important for all Idaho businesses. It covers common risks, including customer property damage and injuries. Most commercial leases require this coverage.

BEST FOR
  • Customer injuries at your business
  • Damaged customer property
  • Libel or slander lawsuits
Professional liability insurance icon

Professional liability insurance

This policy, also called errors and omissions insurance, protects professionals whose work depends on their expertise. It covers client lawsuits over mistakes and missed deadlines.
BEST FOR
  • Work mistakes and oversights
  • Professional negligence lawsuits
  • Late or incomplete work
Cyber liability insurance icon

Cyber liability insurance

This policy helps Idaho businesses survive data breaches and cyberattacks by paying for client notification costs, legal fees, and other related expenses.

BEST FOR
  • Data breach lawsuits
  • Client notification expenses
  • Fraud monitoring costs
Business owner’s policy icon

Business owner’s policy

This policy bundles property insurance and general liability insurance in one plan. It's often the most cost-effective type of commercial insurance for an Idaho business.

BEST FOR
  • Customer injuries
  • Damaged customer property
  • Damaged business property
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ compensation insurance is required for Idaho businesses that have employees. It can cover medical costs for work injuries and illnesses.

BEST FOR
  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Commercial auto insurance icon

Commercial auto insurance

This policy is required for business-owned vehicles in Idaho. It covers injuries and property damage in an accident, along with vehicle theft, vandalism, and weather damage.

BEST FOR
  • Accidents involving business-owned vehicles
  • Theft of a business-owned vehicle
  • Damage to a company vehicle
Looking for different coverage? See more policies.

How much does small business insurance cost?

Business woman calculating costs of insurance.

Commercial insurance can be affordable for a small Idaho business. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
View Small Business Insurance Costs

Insureon specializes in Idaho business insurance

In Idaho, insurance agents, agencies, and brokers are licensed by the Idaho Department of Insurance. Insureon is licensed in Idaho as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance. Verify our licensure with the Idaho Department of Insurance Insurance Company and Producer Search; click on "Search by License Number" then enter our license number, 348580, in the "Company or Agency License Number" field.

What our customers are saying
"Great streamlined process. Quick, easy, and support is very helpful."
Ryan F.
System integration
"Denise Smith is a breath of fresh air. I loved every second dealing with her. And, yes, I'm talking about buying insurance. Most people don't love that, but Denise made the experience exceptional. She is a rock star!"
Kristine W.
Food products manufacturing
"We needed quotes fast and coverage even faster. We received both. We appreciate your service. THANK YOU."
Rich H.
Engineer
Delighted customer feedback.
Compare quotes for Idaho business insurance
Save money by comparing insurance quotes from multiple carriers.