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IDAHO BUSINESS INSURANCE

Wherever you do business in Idaho, a tailored commercial insurance policy from Selective and your independent agent can help protect your unique operations.

Idaho’s workforce and economy have largely recovered from pandemic-era disruptions and appear to be growing steadily across most major industries, including construction, healthcare, real estate, and manufacturing.

Companies in Idaho's competitive business and labor market–and four-season climate–should protect their operations with the right business insurance.

With Selective’s trusted agency partners located around the state, Idaho businesses can get comprehensive coverage and tailored insurance solutions for their unique needs.

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BUSINESSES WE INSURE IN IDAHO

At Selective, we offer commercial insurance to over 400 types of businesses. Along with our independent agency partners, we are proud to serve Idaho businesses of almost any size, including, but not limited to:

• Contractors – general contractors (residential and commercial), glass and glazing, plaster and drywall, floor laying, metal erection

• Manufacturers and Wholesalers – wholesale durables, industrial machinery, furniture and fixtures, rubber and plastics, apparel

• Professional Offices – law firms, advertising agencies, medical offices, real estate agencies, architects, accounting firms

• Mercantile Services – retail food, retail goods, public golf courses

• Auto Services – including repair shops and body shops

• Consumer Assistance Programs – social services, senior living, religious organizations, municipalities, fire departments

Don't see your profession or want more information? Find a local independent agent in Idaho for answers and a business insurance quote.

PROTECT YOUR IDAHO BUSINESS WITH INSURANCE FROM SELECTIVE

Idaho's businesses face new risks every day. We offer a wide range of business insurance solutions to help protect your property, employees, customers, and assets.

Business Interruption

Business interruption insurance can help protect your company against income loss if you are forced to suspend your operations due to a covered loss. It may also help with rent or lease payments, relocation costs, employee wages, taxes, and loan payments until you reopen.

Business interruption insurance does not typically cover damages or losses from flooding, earthquakes, and mudslides, although you may be able to purchase additional coverages for these risks.

Business liability insurance helps protect your company from certain liability claims such as allegations of third-party property damage, bodily injury, false arrest, and slander or libel. It may also help pay for legal fees related to lawsuits against your company and medical costs if someone sustains a bodily injury on your business property.

Commercial property insurance can help to protect your company’s physical assets, such as business equipment, inventory, and furniture. Property insurance can help with repair or replacement costs and keep your business going if a fire, vandalism, or other covered risk causes structural damage to your insured building or its contents.

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Additional Coverages for Idaho Businesses

Selective offers a variety of optional insurance coverages and enhancements to help you and your agent build an insurance solution that meets your needs. Optional coverages for Idaho businesses include:

Workers Compensation –Stay compliant, get coverage for injured employees, and protect your business.
Commercial Flood Insurance – Helps protect your property and its contents against flood-related losses.
Product Recall – Help your business navigate product recalls and minimize losses.
Management Liability Insurance – Helps protect company leadership from claims related to their decisions..
Commercial Auto Insurance – Helps protect your fleet vehicles and drivers on and off the road.

Cyber Liability Insurance for Idaho Businesses

Approximately 28% of data breaches target small businesses. Cyber Liability and Data Breach Response Coverage is an all-in-one cybersecurity solution that helps businesses recover following a cyber attack.

Click here to Explore Cyber Liability Insurance about Cyber Liability Insurance for Idaho Businesses

Get Broad and Convenient Coverage from a Business Owners Policy

A Business Owners Insurance Policy (BOP) is a practical insurance solution that can help protect your business's assets against losses caused by property damage, lawsuits, or other incidents.

Instead of purchasing separate policies for property, liability, and business income insurance, a BOP bundles these basic coverages into a single, budget-friendly policy.

Ask your independent insurance agent if a Business Owners Policy from Selective is right for your needs.

FIND AN INDEPENDENT INSURANCE AGENT IN IDAHO

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FREQUENTLY ASKED QUESTIONS ABOUT IDAHO BUSINESS INSURANCE

How Much Does Commercial Insurance Cost in Idaho?

The cost of commercial insurance in Idaho can vary widely from business to business. Some factors that can affect your cost include location, payroll, number of employees, and the types of vehicles you own. Your local independent insurance agent can help you assess your exposures and customize a commercial insurance policy that provides the right levels of coverage for your unique business.

Is Workers Compensation Insurance Mandatory for Employers in Idaho?

Idaho employers are required by state law to carry worker’s compensation insurance if they have one or more full-time, part-time, seasonal, or occasional employees. If you do not have workers' compensation insurance and an employee is injured (or becomes ill) on your premises, you can be held liable for all benefits provided under Idaho law. A worker’s compensation policy may also provide a portion of missed wages if an injured worker needs time off to recover.

Ask your independent agent about Workers Compensation for your unique business.