Learn everything you need to know about worker's compensation insurance in Idaho.
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Workers’ compensation insurance is required for Idaho businesses with employees, with few exceptions.
Employers with one or more full-time, part-time, seasonal or occasional employees are required to carry a workers’ comp policy. State law calls for steep penalties for non-compliance, which includes employers being personally liable for all benefits, including medical and wage loss as directed under workers' compensation laws.
Family members in the employer’s household of business owners are automatically exempt from coverage, as long as the business is a sole proprietorship or a single member LLC taxed as a sole proprietorship.
Sole proprietors, partners, corporate officers (that own at least 10%) and members of an LLC are all automatically excluded from coverage under Idaho law.
Sole proprietors, partners, members of a limited liability company, certain corporate officers and others may elect to cover themselves. If they’d like coverage, they must submit this in writing to the insurance carrier and their employer.
Unlike other states, waivers to opt-out of coverage are prohibited in Idaho.
Independent contractors are not employees, and therefore not required to be covered by the hiring company’s workers’ comp policy. However, worker status in Idaho is determined based on the four main criteria commonly referred to as “the right to control test.”
Employers may wish to speak with a representative from the Industrial Commission Employer Compliance to discuss the specific situation and ensure compliance.
Other exceptions to Idaho work comp law include:
Telecommuting or remote work is becoming more common across the U.S. Out-of-state employers must still cover remote workers under their work comp policy, if the employee telecommutes from their home in Idaho. Also in the news is work comp coverage for first responders.
Currently, Idaho law doesn’t cover PTSD for first responders. Recent legislation to provide coverage for psychological injuries under Idaho’s workers’ compensation laws has received bipartisan support.
The Idaho Department of Insurance approved a 4.2 percent decrease in workers’ compensation rates in 2019. The drop was recommended by ratemaking agency NCCI (National Council on Compensation Insurance), and the result of lower claims costs. This will be the third rate reduction since 2017.
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Idaho has a private market for workers’ compensation insurance. To buy workers’ comp, employers must do one of the following:
If you are unable to find coverage, the National Council on Compensation Insurance (NCCI). NCCI manages the state’s assigned risk pool, and can place you with a carrier if you’ve been denied coverage.
Premiums vary based on business size, location, industry and claims history. Find out the average small business work comp premium and how much you might pay.
Workers’ compensation laws are based on number of employees. We explain who needs to be on your policy so you can stay in compliance and avoid hefty fines.
How much for a small business policy? Read on for a step-by-step explanation, along with other factors at play in your final workers’ compensation quote.