Is workers comp required in Idaho?
Idaho generally requires employers with one or more employees, including part-time workers, to provide coverage. Owners, partners and corporate officers are treated under their own rules, and some workers such as certain agricultural or domestic employees may be handled differently.
Buying coverage in Idaho
Workers comp in Idaho is a competitive private market. Agents compare carriers that write your class of business, and an assigned-risk option exists for employers that private carriers decline.
Who sets the rules
The Idaho Industrial Commission oversees workers comp in Idaho. In Idaho, the National Council on Compensation Insurance (NCCI) provides the classification system and loss costs that insurers use to file rates.
What Idaho employers should know
- Agriculture, logging and construction are common Idaho classes with higher hazard ratings.
- Idaho has a state insurance fund that competes with private carriers, which can help businesses that are hard to place.
How premiums are calculated
Insurers in Idaho price policies from payroll by classification, then apply your claims experience and any credits or debits. Keeping payroll estimates current avoids a large audit adjustment. Learn more about how workers comp rates work and preparing for an audit.
Industry guides for Idaho employers
Contractor workers comp
Workers comp for general contractors and trades like roofing, electrical, plumbing and painting.…
Restaurant workers comp
Workers comp for restaurants, cafes, bars and caterers. Burns, cuts and slips, tipped payroll,…
Retail workers comp
Workers comp for retail shops, boutiques, convenience stores and specialty retailers. What it…
Small business workers comp
Workers comp for small businesses: when it is required, how premium works, pay-as-you-go billing…
Idaho workers comp FAQ
Is workers comp required in Idaho?
Idaho generally requires employers with one or more employees, including part-time workers, to provide coverage. Rules and exceptions change, so confirm your situation with the state agency or an agent.
Who oversees workers comp in Idaho?
The Idaho Industrial Commission administers the workers compensation system in Idaho.
Can I buy Idaho workers comp from a private insurer?
Yes. Private insurers write workers comp in Idaho, and a market of last resort is available for businesses that are hard to place.
How is workers comp priced in Idaho?
In Idaho, the National Council on Compensation Insurance (NCCI) provides the classification system and loss costs that insurers use to file rates. Insurers in Idaho price policies from payroll by classification, then apply your claims experience and any credits or debits. Keeping payroll estimates current avoids a large audit adjustment.