A few short minutes can save you up to 65% or more
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
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
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
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
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
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.
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