A standard Idaho Workers’ Comp policy covers medical bills from doctor visits, hospital stays, and prescriptions resulting from a work-related injury. It also provides wage replacement for lost income during recovery and may cover permanent injury benefits or vocational rehabilitation if the employee cannot return to their previous role.

Workers’ Compensation Insurance covers your employees. General Liability Insurance is designed to protect your business from claims made by third parties, such as customers, delivery personnel, or vendors. They are two separate, critical layers of protection for your Idaho business.

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.