It covers medical treatment, lost wages, rehabilitation, disability benefits, and employer liability if an employee is injured while performing pest control services.

Absolutely. Workers’ Comp protects employees, while General Liability covers customer property damage, bodily injury, and legal claims—risks common in pest control.

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.