Workers Compensation covers your employees' medical costs and lost wages while recovering from a work-related injury or illness. The employee gives up the right to sue your company in return for receiving cash and benefits from Workers Compensation. In some states it’s mandatory for businesses!
Umbrella Policy adds an extra layer of protection to professionals if a serious event or cumulative claims exhaust your current policy limits. It also covers you for events that would otherwise be excluded from your other policies.
Commercial Auto Insurance covers your cars, trucks, and vans used in your business. It covers the costs from vehicle damage in collisions, theft, vandalism and weather damage. It also covers medical expenses for to injured parties.
Employment Practice Liability Insurance, or EPLI, protects you from employment-related claims. If you're accused wrongful termination, discrimination in hiring or firing or workplace harassment, EPLI covers your defense and settlement costs.
General Liability Insurance protects your small business against claims of third-party bodily injury and property damage, reputational harm and advertising injury. It covers medical bills, repair costs & legal fees.
Commercial Property Insurance will provide coverage for your properties in case damage renders them impossible to rent or lease.
I own a small business in Idaho, do I need General Liability Insurance?
General Liability Insurance is your Idaho business's first line of defense against common accidents and lawsuits that can happen in business, such as slips, falls, libel, or even property damage. Landlords and lenders usually require this coverage.
My employees use their cars for conducting business operations. What insurance do I need in Idaho?
Vehicles used primarily for your Idaho business require a Commercial Auto Insurance policy. Personal auto insurance covers vehicles used for personal use but may cover limited business usage.
How much does it cost to get my business insured in Idaho?
Costs for insuring your Idaho business vary based on risk, chosen coverages, and your coverage limits. Our online assessment tool is a great way to learn which coverages you'll need.
What will happen if I don't have any business insurance in Idaho?
Some coverages are required by law in Idaho, possibly resulting in fines or other penalties if your business isn't compliant. Additional coverages, such as General Liability Insurance, help protect your business from financial loss due to common types of lawsuits.
Guide to commercial insurance by state
Insurance laws and requirements may vary state by state. Click on your state to discover the insurance you will need for your small business: