Contractors Insurance in Idaho

General contractors who wish to operate in Idaho must do so locally rather than at the state level. HVAC, plumbing, electrical, public works contractors, well drillers, and fire sprinkler system contractors are, however, required to be licensed by the state.

If you find this confusing, you’re not alone, the licensing board in Idaho, like many other states, does a pretty poor job of explaining which type of subcontractors must be licensed in their state. Rather than using the term “Licensed”, the Idaho licensing bureau uses the term “Registered.” It appears that specialty contractors like painters, fence installers, pressure washers, and drywall hangers only need to register their business rather than apply for a license. For information on contractor, subcontractor, and specialty contractor licensing in Idaho, visit the Idaho Bureau of Occupational Licenses.

Protect Your Business with Contractors Insurance from Fairbanks Insurance

No matter what type of contracting business you operate or what state you operate in, your business
will always be exposed to certain risks that could result in a law suit from a customer or other third
party. Certainly, you do everything possible to operate your business in a safe manner but sometimes
bad things can happen. Don’t let a lawsuit put your company out of business when you can easily
transfer your risks to a highly-rated insurance company at an affordable price.

Here is What We Recommend:

General Liability

Your contractors general liability policy lays the foundation for well-planned business insurance
portfolio. Your general liability will cover your business for various different contractor’s risks:

  • Business liability resulting from claims for bodily injury or property damage from third parties.
  • Contractual Liability – often times contractors enter in contractual agreements with other contractors and must indemnify their business
  • Products Completed Operations – If your business manufactures of installs products for
    customers, you could be held liable for actions that result from products and their installation.
  • Legal Costs – Every legal action filed against your company must be responded to and defended. Here is where your general liability insurance is invaluable.

Workers' Comp

Arizona is considered an NCCI State when it comes to workers’ compensation. This means that classes and rates are set by the National Council on Compensation Insurance. The state of Arizona requires all contractors with at least one employee to carry workers’ compensation and enforces substantial fines for businesses who neglect this rule. Your workers’ compensation protects your business and your employees. Employees are covered for injuries and illnesses that are work related and cannot file claims against their employer if a workers’ compensation policy is in force.

Commercial Auto

Arizona contractors that use vehicles for commercial purposes should only depend on commercial auto insurance to cover their liability for injuries or property damage and repair or replace their vehicles in the event of an accident or theft. Contractors that rely on personal auto insurance will likely find that coverage will not be available if the vehicle is regularly used for commercial purposes.

Tool Coverage

Your tools and equipment are not covered under your business property or commercial auto policy
while in transport, in storage, or at the jobsite. Fairbanks Insurance Brokers provides affordable toll and equipment coverage using Inland Marine Insurance coverage.

Surety Bonds

Like the state of Arizona, most states require contractors to post a surety bond protecting the state before a license will be issued. Also, many large customers and government agencies will require a bid bond before they will even review your company’s bid for a project.

Fairbanks Insurance Brokers is a leader in providing contractors insurance and is dedicated to providing Contractors and Builders the finest insurance protection at the lowest rates throughout the construction community.

With savings up to 65% on General Liability, Workers’ Compensation, Commercial Auto and Bonds, you can count on us to do the heavy lifting and provide you the most competitive quote that includes all the discounts for which you qualify.


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