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Web developersCompare Idaho business insurance quotes
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Business Insurance in Idaho
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Recommended insurance policies for small businesses in Idaho
General liability insurance
A general liability policy covers common third-party risks, including customer property damage and injuries. Most commercial leases require this business liability insurance.
BEST FOR
- Customer bodily injuries
- Damaged customer property
- Libel and other advertising injuries
Professional liability insurance
This policy, also called errors and omissions insurance (E&O), 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
This policy helps pay for financial losses from data breaches and cyberattacks. It's important for any Idaho business that handles credit card numbers or other sensitive data.
BEST FOR
- Customer notification costs
- Fraud monitoring services
- Data security measures
Business owner’s policy
A BOP bundles commercial property insurance and general liability coverage 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
Workers’ comp insurance is required for all Idaho businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Medical expenses for work-related injuries
- Disability benefits
- Legal fees related to employee injuries
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 vehicles
- Theft of a business vehicle
- Damage to a company vehicle
Looking for different coverage? See more policies.
Idaho business insurance requirements
State laws can affect which business insurance coverage you need. These policies are required everywhere in Idaho, from Boise to Coeur d'Alene.
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. It also provides disability benefits for injured employees.
Commercial auto insurance
All business-owned vehicles in Idaho must be covered by commercial auto insurance. This policy helps cover costs if your work vehicle gets into an accident.
Idaho's minimum requirements for auto liability coverage are:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $15,000 property damage liability
Trucking companies may need additional coverage to comply with regulations.
Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance (HNOA), as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy (BOP).
How much does small business insurance cost?
Commercial insurance can be affordable for Idaho small business owners. Factors that influence the cost include:
- Your type of business and its risks
- Business operations and revenue
- Number of employees
- Types of insurance purchased
- Policy limits and other coverage options
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Find the right policies and get your certificate of insurance
Insureon's licensed agents can help you find policies that fulfill Idaho's requirements and your business insurance needs. Once you've purchased insurance with us, you can download a certificate of insurance by logging into your account.
In Idaho, insurance agencies, agents, 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.
You can verify our licensure with the Idaho Department of Insurance License Search. Select "company or agency," then enter our license number, 348580.