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Idaho Contractors Insurance

The unpredictability of an insurance loss can weigh heavily on a small business owner, our Idaho Contractors' Insurance programs provide peace of mind, assuring your livelihood is financially secure from an unexpected employee incident or third-party claim –

Why do I need Contractors Insurance?

Contractors’ insurance protects against the financial risks present at all stages of business operations.

The construction industry is an inherently dangerous business. Risk uncertainty is unavoidable, and mistakes are bound to happen, resulting in third-party property damage. Further, excruciating heat, slip and fall, electric shock, and pinch hazards are significant risk exposures for workplace injuries or ongoing health problems.

A formidable contractors’ insurance package will protect your business at all hours of the day.

Protect Against the Unpredictable

We urge all contractors looking to do business in Idaho to visit the Idaho Industrial Commission website to verify license and insurance requirements.

With credits automatically applied for maximum savings, our Idaho contractors’ insurance packages provide financial protection against business claims by transferring your risks to a highly-rated insurance carrier.

Our Recommended Products

General Liability

Idaho contractors’ general liability lays the foundation for a well-planned business insurance portfolio.

An Idaho contractors’ general liability policy provides coverage for a variety of contractor risks, including:

  • Bodily Injury Liability
  • Property Damage Liability
  • Products/Completed Operations
  • Personal/Advertising Injury
  • Medical Payments

Workers' Comp

Idaho contractor workers’ comp insurance protects employers from financial liability for an injured employee’s medical expenses.

Idaho contractors’ workers’ compensation is no-fault insurance that benefits employees for workplace accidents, occupational illness, and more.

Failure to comply with Idaho contractors’ workers’ compensation mandates can result in heavy fines and severe penalties.

We urge all Idaho contractors to visit the Idaho Industrial Commission website to review and verify all workers’ comp regulations.

Surety Bonds

Most state licensing authorities require a contractor to post a contractor license bond that provides a financial guarantee for the licensing office.

Commercial customers and government organizations typically require an Idaho contractors’ surety bond to bid or perform operations on a project.

An Idaho contractors’ surety bond is not an Idaho contractors’ insurance policy but more a line of business credit.

An Idaho contractors’ surety bond protects the contracted parties if the contractual obligations do not fulfill as agreed.

Commercial Auto

Idaho contractors’ commercial auto insurance protects work vehicles owned or used by your contracting business against physical and liability damage.

An Idaho contractor commercial auto policy provides higher liability limits, hired and non-owned liability, and typically no limits on the number of vehicles or drivers on the policy.

Inland Marine

Idaho contractors’ tools and equipment insurance, also known as Idaho contractors’ inland marine insurance, covers tools and equipment at a job site, in transit, or while in storage.

Idaho contractors’ inland marine coverage (Idaho contractors’ tool and equipment policy) provides a broad range of coverage for property and equipment at risk of damage or theft.

Idaho contractors’ inland marine insurance can also cover an “installation” risk.