Idaho Workers’ Comp Insurance

  • Policies as low as $25/month
  • Get quote and policy issued online, right here, in under 5 mins
  • AM Best A (Excellent) rated carrier
  • Buy direct from us
  • No brokers involved
  • 70+ industries covered
  • No phone call or offline wait
  • 100+ years of experience selling insurance
  • Cerity is a wholly owned subsidiary of Employers Holdings
  • 100 price points used to deliver fair price

Protecting your team has never been easier

“Cerity is completely reinventing workers’ compensation for small businesses.”

“Powered by a complex algorithm, Cerity’s proprietary pricing model provides tailored quotes that address the individual needs of business owners.”

“Kiss goodbye to the phone tag, tedious applications and endless wait times.”

Idaho Businesses We Cover with Workers' Comp Insurance

Food & Beverage

Bars, Bistros, Cafeterias/Buffets, Candy Stores, Caterers, Coffee Shops, Doughnut Shops, Fast Casual, Fast Food, Fine Dining, Health Supplement Stores, Juice Shops, Tea Houses, Taverns and Nightclubs

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Tech Services

Data Processing, Hosting, Graphic Design, Network Installation/Repair, Office Machine Installation/Repair, Programming, Strategy & Management Consulting Services, and Software/Web Development (includes SOLOpreneuers!)

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Legal Services

Lawyers & Attorneys at Law, Court Reporters, Notaries and Transcription

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Personal Services

Hair Salons, Barber Shops, Interior Design Studios, Photography/Photofinishing, Nail Salons, Tanning Salons, Tattoo/Piercing, and Wedding/Event Planners

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Clothing Retail

Bridal Stores, Clothing Stores, Formal Wear/Costume Rentals, Luggage & Leather Goods Stores, Shoe Retail/Repair, and Tailor Shops

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Personal Product Retail

Bike Stores, Camera/Photo Supplies & Repair, Cell Phones & Cell Phone Repair, Computer Stores, Musical Instruments & Supply Stores, Tobacco/Vaping, and Video Games

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Medical Professions

Blood Banks, Dental Labs, Dentists/Orthodontists, GP/Medical Specialists, Kidney Dialysis Centers, Medical Diagnostics & Testing, and Veterinarians

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Construction Services

Architects & Drafting, Engineering, Surveyors (we do not cover contractors or trucking companies)

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Financial Services

Accounting, Auditors, Bookkeeping, Financial Advisors & Trust Companies,Mortgage & Loan Brokers, Payroll Services, Tax Preparation, Title and Title Insurance

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Scientific Services

Scientific, Technical, & Environmental Consulting

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Office, Home, & Garden

Beauty Supplies, Bookstores, Cosmetics, Hearing Aid Stores, Hobby/Craft/Art Stores, Gift/Novelty Stores, Florists, Mailing/Packaging Stores, Model/Toy/Games Stores, Optical Goods Stores, and Perfume Stores

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Therapeutic Services

Acupuncture, Chiropractors, Mental Health Practitioners, and Physical & Occupational Therapy

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Idaho Statistics*

*2017 business stats provided by the Bureau of Labor Statistics


number of Idahoans employed by small businesses


number of workplace injuries

13 billion

annual milk production, in pounds


acres of potato farms


depth, in feet, of Hell’s Canyon

Explore commonly asked questions about business type, industry and state.

To put it simply, your business is covered. Just like that.In most cases, all of your employees are covered by workers' compensation insurance, including subcontractors (given they provide you a Certificate of Insurance). However, a Certificate of Insurance (COI) isn't a guarantee of coverage (policy may have cancelled since issuance). You should request periodic COIs throughout the contract.
Workers' compensation insurance provides all state required benefits, including reasonable and necessary medical treatment and wage replacement, for employees injured in the course and scope of employment.
In most states, it’s required for small business owners to obtain workers’ compensation coverage. In the event that an employee is injured in the course and scope of your employment, workers' compensation insurance protects you from costly lawsuits and provides state required compensation for the employee, including lost wages and medical expenses.
The estimated premium is based on estimated payroll (at the beginning of the policy). The final premium is based on actual payroll (at the end of the policy) for the policy period (usually 12 months). In the event your payroll changes, we'll work with you on adjusting your policy.
Yes, the workers' compensation policy covers all of your employees. Significant changes to your payroll should be reported to Cerity. This will help mitigate having a large additional premium due at the end of your policy period.
Cerity is a data-services company that is a licensed insurance producer that provides comprehensive workers' compensation insurance for American businesses. In less than five minutes, a small business owner can have a quote and can be protected as soon as the next day. In other words, your business is covered. Just like that. We are backed by Employers Holdings, Inc., a workers' comp industry veteran of over 100 years, EHI is reimagining how to purchase workers compensation insurance.
You do not need any documents to apply - we told you it was simple! All you need to obtain a quote is tell us a few quick things about your business and we should be able to get you a quote.

Workers' Compensation for Idaho Businesses

Worker’s comp insurance for the Gem State

Idaho is a state known for its rugged beauty, millions of acres of untouched wilderness and the broadest geographical diversity. Idaho is a study in the dichotomy of the American west. It’s a state has the Shoshone Falls (which are higher than Niagara Falls) and the lowest canyon at Hell’s Canyon (deeper than the Grand Canyon).

From granite Mountains to some of the country’s most fertile farms, and subalpine to rolling desert, Idaho has a unique terrain. Nicknamed “The Gem State,” it’s known for a wealth of silver, gold, lead, zinc and copper mines, but almost every known gemstone has been found in Idaho, including diamonds.

Perhaps Idaho is most known for its potato crop. About two-thirds of processed potatoes are grown in Idaho, with processing plants nearby. Combined with food processing, agriculture is Idaho’s economic backbone and produces more than 185 different commodities, including cattle and dairy products, wool, trout and more. While traveling the state you’ll find numerous freezing companies and sugar refineries to catch the harvests at the peak of freshness.

Idaho’s population is small with only 20 people per square mile, and small businesses pack a powerful economic punch. Almost 56% of the workforce, or 304,700 employees, work at 158,426 small businesses that make up 99.2% of all Idaho companies. Small businesses with fewer than 20 employees added 8,353 net jobs in 2015, with steady growth since then.

Idaho is packed with interesting things to do. Only Idaho would have an entire museum dedicated to the potato, which is probably merited. Experience 19th century prospecting life in the Custer Ghost Town and sleep inside Sweet Willy at Dog Bark Park, the world’s largest beagle that happens to be a B&B. Ornithophiles prioritize a visit to the Morley Nelson Snake River Birds of Prey National Conservation Area to see some of the nation’s rarest species and more than 700 pairs of raptors.

Workers’ comp insurance is a definite requirement in Idaho, and it protects you, the small business owner when accidents happen!