Idaho Contractor Insurance Requirements
Idaho requires workers' compensation for employers with one or more employees under Idaho Code § 72-201. The Idaho Contractors Board licenses contractors performing work over $2,000, requiring proof of GL insurance as part of the application. Idaho is a business-friendly state with relatively straightforward insurance requirements, though the rapid growth in the Treasure Valley and Sun Valley areas has led property managers to increase required GL limits to $1M/$2M.
Idaho COI Requirements at a Glance
The following table summarizes the minimum insurance requirements for contractors operating in Idaho. Commercial property managers often require limits above state minimums.
| Coverage Type | Minimum / Status |
|---|---|
| General Liability (per occurrence) | $300,000 |
| General Liability (aggregate) | $600,000 |
| Workers' Compensation | Mandatory 1+ employees |
| Umbrella / Excess Liability | Commonly Required on Large Projects Common minimum: $1,000,000 |
| Additional Insured Endorsement | Commonly Required |
| Waiver of Subrogation | Less Common |
Coverage Notes
GL: Idaho Contractors Board requires $300K per occurrence minimum. Commercial property managers in Boise typically require $1M/$2M.
WC: Idaho Code § 72-201 requires WC for all employers with 1+ employees. Sole proprietors, partners, and members of LLCs are not required to cover themselves but may elect to do so.
Umbrella: Not commonly required outside of state agency contracts and large commercial projects.
Additional Insured: Standard on commercial property management contracts.
Waiver of Subrogation: Less commonly required than in larger states but included in most commercial lease templates.
Idaho-Specific Laws & Regulations
These laws directly affect how contractor insurance requirements are structured in Idaho. Property managers should be familiar with these statutes when reviewing vendor COIs.
Idaho Code § 72-201 (Workers' Compensation Law)
Mandatory WC for employers with 1+ employees. The Idaho Industrial Commission administers the program.
Idaho COI Frequently Asked Questions
Common questions from property managers and contractors about insurance requirements in Idaho.
Do contractors in Idaho need workers' compensation?
Yes. Idaho Code § 72-201 requires workers' compensation for all employers with one or more employees. Sole proprietors may opt out but must still cover any hired employees.
What are the minimum insurance requirements for contractors in Idaho?
Idaho Contractors Board requires a minimum of $300,000 per occurrence GL. Commercial property managers in growing markets like Boise and Meridian typically require $1M/$2M GL with workers' compensation and additional insured endorsements.
What work requires a contractor license in Idaho?
Idaho requires contractor licensing for work over $2,000 in combined labor and materials. The Idaho Contractors Board issues licenses and requires proof of general liability insurance as part of the application.
What should I require on a COI from an Idaho contractor?
Request GL insurance (at least $1M/$2M for commercial work), workers' compensation, and additional insured endorsement naming your property management company. Verify that the Idaho Contractors Board license is active and in good standing.
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