Business Insurance in Idaho

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Learn about Idaho's insurance requirements

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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.
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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.

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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

Looking for different coverage? See more policies.

How much does small business insurance cost?

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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
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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
"Really fantastic service and follow-up. Didn't feel pressured, felt like they were interested in my business."
Ben Warga
Customer since 2016
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