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Idaho Businesses We Cover with Workers’ Comp Insurance

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, Ecommerce, 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

Athlete/Actor/Entertainer Agents, Court Reporters, Lawyers & Attorneys at Law, Notaries and Transcription

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General Retail

Bakeries, Beer/Wine/Liquor Stores, Butcher/Meat Markets, Convenience Stores/Gas Stations, Discount Stores, Fish, Seafood, Fruit & Vegetable Markets, Grocery Stores, Laundromats, Pet Stores, Pharmacies/Drug Stores, Specialty Food Stores

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Educational Services

Computer Training, Cosmetology/Barber Schools, Exam Preparation/Tutoring, Fine Art Schools, Language Schools, Libraries/Archives, Management Training, Professional Training, & Translation/Interpretation Services

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Manufacturing

Microbreweries (less than 15,000 barrels produced per year) & Wine Making (no growing or production of grapes/fruit)

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Personal Services

Barber Shops/Salons, Cemeteries/Mausoleums, Crematoriums, Funeral Homes, Interior Design, Pet Kennels/Groomers, Photography/Photofinishing, Gyms, Nail Salons, Self-Storage, Tanning Salons, Tattoo/Piercing, and Wedding/Event Planners

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Clothing Retail

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

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Personal Product Retail

Art Galleries/Stores, Auto Parts, Beauty/Cosmetics, Bike Stores, Bookstores, Camera/Photo Supplies, Cell Phone Retail/Repair, Computer Stores, Jewelry Stores, Musical Instruments, Sporting Goods , Tobacco/Vaping & 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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Architecture & Engineering Services

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

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Financial Services

Accounting, Auditors, Banks/Credit Unions, Bookkeeping, Collection Agencies, Financial Advisors/Trust Companies, Mortgage & Loan Brokers, Payroll Services, Tax Preparation, Title & Title Insurance

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Scientific Services

Scientific Research & Development/Consulting, Technical Consulting, & Environmental Consulting

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Office, Home, & Garden

Hearing Aid Stores, Hobby/Craft/Art Stores, Gift/Novelty Stores, Florists, Floor Covering Stores, Mailing/Packaging Stores, Models/Toy/Games, Office Supplies, Optical Stores, Paint/Wallpaper Stores, Perfume Stores, Plumbing & Taxidermists

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Therapeutic Services

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

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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 that 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!

Idaho Statistics*

*2017 business stats provided by the Bureau of Labor Statistics

304,700

number of Idahoans employed by small businesses

15,234

number of workplace injuries

13 billion

annual milk production, in pounds

309,000

acres of potato farms

7,900

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.