According to the Idaho Industrial Commission, with some exceptions, employers with one or more full-time, part-time, seasonal, or occasional employee are required to obtain and maintain workers’ compensation insurance. Workers’ comp is required to be in place in Idaho before the first employee is hired.
This mandate also extends to workers working from home. If you are an out-of-state employer and you have full-time, part-time, seasonal, or occasional employees working from their Idaho-based home, they are required to be covered by a workers’ compensation insurance policy endorsed for the state.
Employers in Idaho have other responsibilities related to workers’ comp insurance, including:
“The Slip” is an amusing and informative television ad promoting the necessity of workers’ compensation insurance in Idaho.
Workers’ comp insurance is important for protecting employees and minimizing financial risk for your business. If an employee suffers from a work-related injury or illness, this insurance can help cover the cost of:
Workers’ compensation insurance provides benefits for employees who get injured or become ill at work. While carrying workers’ comp insurance, businesses can make sure their employees get the benefits they need without being directly liable financially.
Idaho permits employees to have “extraterritorial coverage and reciprocity.” This means they can temporarily work from select surrounding states without the need for a separate workers’ compensation policy.
States with reciprocity include:
Similarly, out-of-state employers may request permission for extraterritorial coverage if they wish to have their employees work in Idaho temporarily. Idaho’s extraterritorial certificates are initially issued for six months.
The basic income benefit for injured or ill workers covered by workers’ comp is 67% of the employee’s average weekly wage. Employees often receive their first benefit payment within 28 days of their injury. With coverage, these payments are covered by the insurance company.
In Idaho, the employer can designate the doctor for their injured worker as long as they make that requirement known to the employee before they see their own physician. In an emergency, the employee sees the first available medical care.
In the unfortunate event of a worker’s death from a work injury, death benefits are available to spouses and dependent children.
The weekly spouse benefit is usually 45% of the lost income for up to 500 weeks. Dependent children receive an additional 5% of income per child until age 18. After that, if the child is incapable of self-support or if they’re enrolled as a full-time student, weekly benefits are payable until the child ceases to be enrolled or turns 23. These expenses are usually paid by the insurance company.
Running a business without required workers’ compensation insurance is considered a misdemeanor. Employers who violate this law may be subject to criminal penalties.
If your employee is injured and you do not have workers’ compensation insurance in effect at the time of the injury, penalties could be any or all of the following:
Workers’ compensation costs vary across industries. Factors that influence price include:
Get a free instant quote in about 10 minutes from NEXT to see your workers’ comp insurance costs.
Exemptions from the requirement to carry workers’ comp insurance in Idaho include:
Although not all business owners are required to carry workers’ comp for themselves or their employees, the coverage can help protect your company’s finances in the event of an injury on the job.
NEXT strives to resolve every claim quickly. Learn more about our claims process and how our claims advocates will work with you after an employee injury.
General liability insurance protects your business from common mistakes or accidents, such as customer injury or damages to someone’s property.
If you or your employees drive vehicles for work, you probably need commercial auto insurance. This provides coverage for accident-related expenses in a business-owned vehicle or a personal vehicle being used for work purposes.
Commercial property insurance can provide financial help if your business structures, goods, gear or inventory are damaged or destroyed by a covered event.
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