A general liability policy covers common third-party risks, including customer property damage and injuries. Most commercial leases require this business 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.
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.
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.
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.
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.
State laws can affect which business insurance coverage you need. These policies are required everywhere in Idaho, from Boise to Coeur d'Alene.
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.
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).
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.