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with Idaho's premier contractors' insurance programs –

Contractors
Insurance

Idaho

Idaho

Contractors Insurance

Stop overpaying for coverage in the Gem State today!
A few short minutes can save you up to 65% or more with Idaho’s premier contractors’ insurance programs –

Coverage for Idaho Contractors

As the go-to source for low-cost Contractors' Insurance in Idaho, our programs deliver top-tier protection with automatic discounts for maximum savings –

What is Idaho Contractors’ Insurance?

Idaho contractors’ insurance protects construction companies against the financial risks encountered at every stage of business operations.

Why Do I Need It?

The Idaho construction industry is unique in its risks, where uncertainties are a given, and a small error can lead to significant third-party property damage. Additionally, the nature of this hazardous work, with its extreme heat, slips and falls, electrical shocks, and other occupational risks, constantly threatens workplace safety and health.

A robust contractors’ insurance package provides round-the-clock protection for your business, covering a wide range of risks, including property damage and bodily injury.

Protect Against the Unpredictable

We strongly advise all contractors planning to operate in Idaho to consult the Idaho Industrial Commission to understand the licensing and insurance requirements, ensuring you are well informed about making the right business decisions.

From Coeur d’Alene to Twin Falls, navigating the unpredictable landscape of insurance losses can be daunting for small business owners. With our Idaho contractors’ insurance solutions, you can rest assured that you have a strong safety net to ensure your livelihood remains financially secure in the face of unexpected incidents involving employees or third-party claims, giving you the confidence to focus on your work without breaking the bank.

Our team of insurance experts is prepared to tailor a custom-built package to fit any budget, ensuring that construction companies across the state obtain essential coverage to minimize financial risks through affordable commercial insurance offerings.

Our Recommended Products

General Liability


Contractor liability insurance—general liability coverage provides foundational protection for Idaho businesses, covering third-party claims of bodily injury, property damage, and advertising injuries.

Without general liability insurance for Idaho contractors, businesses risk financial losses from lawsuits, medical expenses, and legal fees associated with disputes or settlements. Coverage includes key protections such as:

  • Liability Assumed Under a Contract
  • Products-Completed Operations
  • Medical Payments
  • Defense Costs

According to the Idaho Division of Occupational and Professional Licenses (DOPL), all contractors—including general and specialty contractors—are required to maintain a general liability insurance policy with a minimum coverage of $300,000. However, a policy with $1 million per occurrence is strongly recommended to ensure comprehensive protection and meet client expectations.

Workers' Comp


Contractors’ workers’ compensation insurance in Idaho is a no-fault insurance policy mandated by state law, providing wage loss and medical benefits to employees with job-related injuries or diseases. This coverage ensures compliance with regulations while safeguarding employee welfare and business operations.

With workers’ compensation insurance for Idaho contractors, businesses can avoid severe penalties, lawsuits, and compliance issues that could disrupt operations.

The Idaho Industrial Commission oversees workers’ compensation compliance, ensuring that employers provide the necessary coverage. Employers with one or more full-time, part-time, seasonal, or occasional employees must provide workers’ compensation insurance unless specifically exempt under Idaho law.

Key benefits include:

  • Medical Expenses Coverage: Covers necessary medical treatment resulting from work-related injuries or illnesses.
  • Wage Replacement: Provides partial wage replacement during the employee’s recovery period.
  • Employer Liability Protection: Shields employers from potential lawsuits related to workplace injuries.

Ensuring compliance with Idaho’s workers’ compensation requirements demonstrates a commitment to employee safety and well-being. We encourage all contractors to visit the Idaho Industrial Commission for the latest requirements and updates.

Surety Bonds


Idaho contractor license bonds are often required as part of the licensing process. These bonds serve as a financial guarantee, ensuring that contractors comply with state regulations and fulfill their contractual obligations.

Contractor bonds in Idaho vary based on the type of contractor and license classification. Typically, bond requirements range from $1,000 to $100,000, depending on the scope of work and regulatory needs.

Securing the appropriate surety bond is essential for complying with Idaho state laws and protecting contractors and their clients. At Fairbanks Insurance Brokers, we specialize in helping Idaho contractors obtain the bonds they need to stay compliant and operate confidently.

Note: Bond requirements can vary by city or contractor type. Please consult local regulations to ensure compliance.

Commercial Auto


Commercial vehicle insurance in Idaho is essential for businesses utilizing vehicles in their operations. This coverage protects against financial losses from accidents, property damage, and liability claims.

Idaho’s minimum liability coverage requirements for commercial vehicle insurance are:

  • Bodily Injury Liability: $25,000 per person and $50,000 per accident
  • Property Damage Liability: $15,000 per accident

However, higher coverage limits are strongly recommended to provide comprehensive protection and peace of mind.

Key coverages include:

  • $1 Million Combined Single Limits: Provides higher coverage for bodily injury and property damage in a single policy limit
  • Hired and Non-Owned Auto Coverage: Protects your business when employees use personal or rented vehicles for work-related purposes
  • Collision Coverage: Pays for damages to your vehicle from collisions, regardless of fault
  • Comprehensive Coverage: Covers non-collision-related damages, such as theft, vandalism, or natural disasters
  • Uninsured/Underinsured Motorist Coverage: Protects against losses caused by drivers without adequate insurance

Having Idaho commercial vehicle insurance ensures your business vehicles are properly protected while keeping your company compliant with state laws and financially secure.

Inland Marine


In Idaho, inland marine insurance is essential for contractors who transport tools, equipment, and materials between job sites. This coverage protects movable property from risks such as theft, damage, or loss during transit or while stored off-site.

Key coverages include:

  • Tools and Equipment Coverage: Safeguards essential items like power tools, machinery, and specialized instruments against unforeseen events.
  • Installation Floater: Protects materials and equipment awaiting installation or in the process of being installed, covering losses from events like fire, theft, or vandalism.
  • Builder’s Risk Insurance: Covers structures under construction, including materials on-site, in transit, or at temporary storage locations, against damages from covered perils.

Securing contractor inland marine insurance protects your business assets, minimizing potential financial setbacks and keeping your operations running smoothly.

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