Workers’ comp and general liability still apply—coverage includes water-adjacent job sites.

A Idaho workers’ compensation policy typically includes:

• Medical expenses for work-related injuries

• Wage replacement during recovery

• Disability benefits

• Rehabilitation costs

• Death benefits for families in case of fatal injury

• Employer liability protection

This coverage keeps your business compliant and reduces out-of-pocket expenses from workplace accidents

The cost depends on several factors including:

• Type of business and job risk classification

• Total payroll

• Number of employees

• Claim history

• Safety procedures and training

High-risk industries like construction or manufacturing often pay more, while small office-based businesses typically pay less.

Independent contractors are not required to carry insurance unless the hiring company classifies them as employees under Idaho law. However, contractors who want to protect themselves financially may voluntarily purchase coverage.