Buy affordable workers'compensation online in lessthan 5 minutes

The most important thing to know about workers’ compensation law in Idaho is that it’s required. If you have employees in Idaho, you’ll need a workers’ compensation policy—and the requirement holds whether you have dozens of full-time employees or only one part-time worker.

That’s because, in Idaho, just about anyone you hire is considered an employee, including full-time, part-time, and seasonal workers. You might even need to cover your independent contractors if they work regular hours and the state of Idaho finds convincing evidence that your business treats them like an employee.

It’s not a good idea to ignore the requirement, either. There are severe consequences for businesses without workers’ compensation, including fines and criminal charges.

Long story short: Almost all Idaho small businesses need workers’ compensation—and luckily, it’s pretty easy to get. Especially if you purchase your coverage online. With Huckleberry, you can get state-approved workers’ compensation from a trusted insurance company in just a few minutes (and save up to 32% on your coverage).

Workers’ compensation in Idaho can be pretty affordable, especially if you get covered online. Huckleberry customers have paid as little as $16 per month for their workers’ compensation insurance in Idaho, which is only about 50 cents per day (and way less expensive than a lawsuit!). 

Those are general numbers, though, and the big question is what you’ll pay for your coverage. There are two ways to answer that:

1. Your workers’ compensation rate depends entirely on your situation, and the most significant factor is the size of your payroll. Typically, the more employees you have, the more you’ll pay for workers’ compensation. 

   There are other factors, too. What’s your industry? What does your safety record look like? Where are you in Idaho? A general contractor in Boise will pay a different rate for workers’ compensation than a small family restaurant in Twin Falls will. 

   In short, it’s impossible to predict what you’ll pay for your workers’ compensation coverage without knowing a few details about your Idaho small business.

   That’s why we recommend this:

2. The best way to predict what you’ll pay is by trying our 60-second workers’ compensation calculator here. (All the questions are easy, and it really does take less than a minute.)

Workers’ compensation pays for medical treatment, lost wages, and physical rehabilitation if one of your employees gets sick or injured because of their job. Workers’ compensation coverage can also pay for disability benefits and job training for injured workers that can’t return to their former job.

Let’s unpack that a little: Let’s say a member of your team seriously injures their back on a jobsite and immediately goes to the doctor. Since the injury happened at work, any initial medical expenses related to the injury may be covered by your workers’ compensation coverage. And if your employee needs surgery or more significant medical intervention? Workers’ compensation benefits may pay out for that, too.

In the meantime, since your employee has been entirely unable to work for a month or so, workers’ compensation has been paying out income benefits to partially reimburse your employee for the wages they’ve lost. (In Idaho, this benefit is a percentage of their former weekly wage up to a certain amount.)

And if, for whatever reason, your employee is never able to return to the same job, workers’ compensation can help with job retraining costs. Workers’ compensation might even continue to pay out a permanent disability benefit to make up for the employee’s lost ability to earn a living. 

Workers’ compensation can also pay medical benefits for injuries and illnesses that are less dramatic but no less important. For example, if your office manager develops a repetitive-use injury in their hands from too much typing, that may be considered a work-related injury. And if an employee develops an illness from repeated exposure to workplace chemicals, they’ll likely meet the eligibility requirements for workers’ compensation. 

Who is covered by workers’ compensation? According to the Idaho Industrial Commission (IIC), everyone you hire. But there are some exemptions. 

For example, if you’re a sole proprietor and all your employees are family members who live in your household, you probably don’t have to purchase workers’ compensation for them. Additionally, you don’t need to purchase workers’ compensation for members of an LLC or partnership or for corporate officers who own at least 10% of your company’s stock (and are listed as directors, if your structure has those).

Have any questions about workers’ compensation law or workers’ compensation policy exemptions? Ask your insurer. (Hey, it’s our job to know these things.)

1. It’s fast. 95% of Huckleberry customers in Idaho get the policy they need in 5 minutes.
2. You'll pay up to 32% less for your workers’ compensation coverage.
3. Everything is online.
4. Everything is easy.