NEXT is ranked best for workers' comp insurance in Idaho, offering exceptional customer service and comprehensive coverage options. The Hartford and Simply Business provide reliable alternatives for Idaho business owners.
Workers' Comp Insurance in Idaho
NEXT is top in our analysis of workers' comp insurance providers in Idaho, with an overall score of 4.61 out of 5.
Compare top Idaho workers' comp insurance providers and find your ideal coverage.
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Updated: September 10, 2025
Advertising & Editorial Disclosure
Key Takeaways
NEXT, The Hartford and Simply Business stand as Idaho's top-rated workers' compensation insurance providers based on comprehensive analysis.
Your business type, number of employees, prior claims and available budget will determine which workers' comp provider fits your needs in Idaho.
To find the right workers' comp coverage in Idaho, request multiple quotes, verify each provider's industry knowledge, review their service history and analyze policy details.
Best Workers' Comp Insurance Companies in Idaho
| NEXT | 4.61 | 1 |
| The Hartford | 4.56 | 2 |
| Simply Business | 4.53 | 3 |
| Coverdash | 4.46 | 4 |
| biBERK | 4.43 | 5 |
| Nationwide | 4.42 | 6 |
| Progressive Commercial | 4.41 | 7 |
| Thimble | 4.40 | 8 |
| Hiscox | 4.38 | 9 |
| Chubb | 4.25 | 10 |
How Did We Determine These Rates and Rankings?
These rates are estimates based on MoneyGeek's analysis of small businesses with two employees across 79 major industries. Actual rates vary based on your business location, industry risk factors, claims history, coverage limits and individual insurer underwriting criteria. Contact insurers directly for personalized quotes.
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LEARN MORE ABOUT BUSINESS INSURANCE IN IDAHO
Learn about other types of coverage through these helpful resources:
Best Idaho Workers’ Comp Insurance Reviews
NEXT and The Hartford emerge as Idaho's premier workers' compensation insurance providers, offering exceptional coverage for business owners.
NEXT
Best Overall Provider
MoneyGeek Rating
4.6/ 5
4.4/5Affordability
4.7/5Customer Experience
4.8/5Coverage Options
Average monthly premium
$65Based on average costs across multiple business typesOur survey: Claims process
3.9/5Based on customer satisfaction with claims handlingOur survey: Recommend to others
4.8/5Based on likelihood of customers recommending NEXT
The Hartford
Runner-Up Best Provider
MoneyGeek Rating
4.6/ 5
4.4/5Affordability
4.6/5Customer Experience
4.7/5Coverage Options
Average monthly premium
$67Based on average costs across multiple business typesOur survey: Claims process
4.5/5Rating from MoneyGeek customer satisfaction surveyOur survey: Recommend to others
4.5/5Percentage of customers who would recommend The Hartford
Cheapest Workers' Comp Insurance Companies in Idaho
In Idaho, NEXT is the most affordable workers' comp coverage at $65 monthly ($781 annually). Thimble and The Hartford at $67 per month each are alternatives. The table below shows costs from all companies we analyzed:
| NEXT | $65 | $781 |
| Thimble | $67 | $799 |
| The Hartford | $67 | $799 |
| Progressive Commercial | $67 | $808 |
| Simply Business | $67 | $809 |
| Hiscox | $68 | $814 |
| Coverdash | $69 | $825 |
| biBERK | $71 | $855 |
| Nationwide | $76 | $917 |
| Chubb | $80 | $963 |
How Did We Determine These Rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on workers’ comp policies. Your actual premium depends on where your business is located, what industry you're in, how many employees you have, and other factors insurers consider.
Average Cost of Workers’ Comp Insurance in Idaho
Workers' compensation insurance in Idaho costs businesses an average of $70 per month or $837 annually. This puts Idaho's rates $4 below the national monthly average of $74. Your business's actual premium will vary based on your industry's risk level, number of employees, total payroll and claims history.
Average Cost of Workers' Comp in Idaho by Industry
In Idaho, workers' compensation insurance costs vary dramatically by industry risk level. Speech therapists pay $6 monthly, while roofing businesses cost $793 per month.
| Accountants | $19 | $232 |
| Ad Agency | $15 | $182 |
| Auto Repair | $145 | $1,739 |
| Automotive | $112 | $1,345 |
| Bakery | $51 | $609 |
| Barber | $13 | $161 |
| Beauty Salon | $14 | $166 |
| Bounce House | $38 | $453 |
| Candle | $38 | $457 |
| Cannabis | $79 | $953 |
| Catering | $70 | $837 |
| Cleaning | $46 | $552 |
| Coffee Shop | $44 | $533 |
| Computer Programming | $27 | $320 |
| Computer Repair | $23 | $275 |
| Construction | $170 | $2,045 |
| Consulting | $28 | $342 |
| Contractor | $157 | $1,884 |
| Courier | $214 | $2,571 |
| DJ | $13 | $159 |
| Daycare | $13 | $153 |
| Dental | $11 | $127 |
| Dog Grooming | $62 | $739 |
| Drone | $25 | $304 |
| Ecommerce | $21 | $247 |
| Electrical | $55 | $655 |
| Engineering | $36 | $437 |
| Excavation | $101 | $1,209 |
| Florist | $58 | $697 |
| Food | $40 | $482 |
| Food Truck | $44 | $522 |
| Funeral Home | $25 | $304 |
| Gardening | $44 | $533 |
| HVAC | $59 | $714 |
| Handyman | $88 | $1,060 |
| Home-based | $9 | $114 |
| Hospitality | $66 | $787 |
| Janitorial | $46 | $550 |
| Jewelry | $29 | $342 |
| Junk Removal | $134 | $1,612 |
| Lawn/Landscaping | $36 | $428 |
| Lawyers | $50 | $598 |
| Manufacturing | $56 | $667 |
| Marine | $143 | $1,716 |
| Massage | $14 | $164 |
| Mortgage Broker | $13 | $158 |
| Moving | $247 | $2,966 |
| Nonprofit | $30 | $362 |
| Painting | $132 | $1,588 |
| Party Rental | $35 | $421 |
| Personal Training | $24 | $283 |
| Pest Control | $67 | $807 |
| Pet | $29 | $352 |
| Pharmacy | $6 | $73 |
| Photography | $16 | $194 |
| Physical Therapy | $7 | $78 |
| Plumbing | $61 | $727 |
| Pressure Washing | $80 | $956 |
| Real Estate | $28 | $341 |
| Restaurant | $60 | $719 |
| Retail | $33 | $399 |
| Roofing | $793 | $9,511 |
| Security | $49 | $592 |
| Snack Bars | $41 | $495 |
| Software | $25 | $300 |
| Spa/Wellness | $16 | $198 |
| Speech Therapist | $6 | $68 |
| Startup | $12 | $149 |
| Tech/IT | $26 | $314 |
| Transportation | $219 | $2,625 |
| Travel | $7 | $79 |
| Tree Service | $208 | $2,498 |
| Trucking | $256 | $3,068 |
| Tutoring | $10 | $115 |
| Veterinary | $18 | $220 |
| Wedding Planning | $27 | $325 |
| Welding | $110 | $1,320 |
| Wholesale | $39 | $464 |
| Window Cleaning | $199 | $2,386 |
How Much Workers' Comp Insurance Do I Need in Idaho?
In Idaho, most employers must carry workers' compensation insurance as soon as they hire their first employee. This covers workers who get injured or become ill on the job.
Businesses operating without required workers' comp coverage face misdemeanor charges and daily fines of $25, up to $10,000 per violation.
Sole proprietors
Business owners operating alone without employees can typically opt out of carrying workers' comp coverage for themselves while maintaining required coverage for any future employees.
Corporate officers
Executive officers owning at least 25% of company stock can elect to exclude themselves from coverage by filing a written waiver with proper documentation.
Independent contractors
Workers who maintain control over their work methods and schedule while providing their own tools and equipment generally qualify as independent contractors exempt from coverage.
Domestic workers
Household employees working fewer than 40 hours per week or earning less than $500 per quarter may be exempt from mandatory coverage requirements.
Real estate agents
Licensed real estate professionals working on commission basis typically qualify as independent contractors and are not required to have coverage.
Agricultural workers
Small farms with limited seasonal workers or family members often qualify for exemption from mandatory coverage requirements.
Religious organizations
Members of religious organizations who have taken vows of poverty while working for their church or affiliated organization may be exempt from coverage.
Professional athletes
Athletes in certain professional sports leagues operate under separate injury compensation systems and may be exempt from standard workers' comp requirements.
How to Get the Best Workers' Comp Insurance in Idaho
You can find the necessary coverage and maintain reasonable business insurance costs. Start by comparing quotes from multiple providers.
- 1
Check coverage requirements
Idaho law requires most businesses with employees to carry workers' compensation insurance.
- 2
Collect business data
Prepare accurate payroll records, employee count, and job classifications for each worker.
- 3
Get multiple insurance quotes
Contact at least three insurance providers for quotes.
- 4
Find industry-specific expertise
Select insurers who understand your industry's risks and local regulations.
- 5
Review provider performance
Investigate each carrier's claim processing times and complaint history.
- 6
Understand policy details
Review coverage limits and exclusions. Look at payment options, including pay-as-you-go structures.
- 7
Schedule annual reviews
Review your coverage each year. Changes in business operations can affect your insurance needs and premiums.
Idaho Workers’ Comp: Bottom Line
Idaho business owners have access to several strong workers' compensation insurance providers. NEXT, The Hartford and Simply Business stand out as the top-rated carriers in Idaho. Compare quotes from these providers to find the best fit for your specific industry, company size and budget requirements.
Idaho Workers' Comp Insurance: FAQ
Understanding workers' comp insurance requirements in Idaho often presents challenges for business owners. Find answers to your most pressing questions about coverage requirements and costs in the sections below.
Is workers' comp insurance required for all Idaho businesses?
Workers' comp insurance is mandatory for Idaho businesses with employees.
How much does workers' comp insurance cost in Idaho?
NEXT offers the lowest-priced workers' comp insurance in Idaho at $65 per month ($781 annually).
What does workers' comp insurance cover in Idaho?
Idaho workers' comp insurance covers medical expenses and partial wage replacement for work-related injuries or illnesses.
Which workers' comp insurance company is best in Idaho?
NEXT leads Idaho's workers' comp providers with a 4.61 overall score. The Hartford follows at 4.56, known for consistent service quality, while Simply Business (4.53) has the highest coverage score (4.9).
What happens if I don't have workers' comp insurance in Idaho?
Operating without workers' compensation insurance in Idaho is illegal and brings severe penalties. The Idaho Industrial Commission can fine businesses up to $10,000, pursue criminal charges.
Do sole proprietors need workers' comp insurance in Idaho?
Sole proprietors in Idaho are exempt from workers' compensation requirements.
How do I choose the right workers' comp insurance company in Idaho?
Compare quotes from at least three workers' compensation insurance carriers in Idaho.
How We Scored the Best Workers' Comp Insurance Companies in Idaho
- Affordability (50%): Cost drives every small business insurance decision in Idaho's expensive market. We compared monthly premiums across all companies, since even comprehensive policies won't help if you can't afford them.
- Customer experience (30%): When your employee gets hurt, you'll need an insurer that handles claims quickly and treats injured workers fairly. We used J.D. Power ratings, Idaho Department of Insurance complaint data and independent reviews.
- Coverage options (15%): We evaluated each company's policy flexibility, add-on options and coverage limitations for specific Idaho industries and regulatory requirements.
- Financial strength (5%): Premium savings don't matter if your insurer struggles financially. We checked AM Best ratings to ensure recommended carriers can deliver on their promises.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.