State insurance guide
Idaho Business Insurance Guide 2026
Idaho employers with one or more full-time, part-time, seasonal or occasional employees must maintain a workers' compensation policy unless the employment is specifically exempt. Auto liability minimums and paid leave rules follow, each with its official source.
Explore Idaho requirements
Open the state requirements checklistIdaho employers with one or more full-time, part-time, seasonal or occasional employees must maintain a workers' compensation policy unless the employment is specifically exempt (Idaho Industrial Commission: Employers FAQs). Auto liability coverage must be at least $25,000 per person and $50,000 per accident for bodily injury and $15,000 for property damage (Idaho Department of Insurance, Required Auto Coverage). According to NCSL's table, there is no state paid family leave or disability insurance program to fund.
Official sources checked October 3, 2026. This guide is general information, so confirm your own case with the responsible agency.
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Workers' compensation
Who must carry it: 1 or more employees (Idaho Industrial Commission: Employers FAQs).
Employers with one or more full-time, part-time, seasonal, or occasional employees are required to maintain a workers' compensation policy unless specifically exempt from the law.
Exemptions and exclusions
The Industrial Commission's FAQ lists exemptions including household domestic service; family members living in a sole proprietor's household; sole proprietors, working partners and LLC members; corporate officers who own at least 10% and are directors; commission-only real estate brokers and salespersons; casual work unrelated to the employer's business; outworkers; volunteer ski patrollers; and some agricultural spray pilots (Idaho Industrial Commission: Employers FAQs).
The agency to ask is the Idaho Industrial Commission, Employer Compliance Division. Our workers' compensation guide explains the coverage, and the workers' comp calculator checks the payroll arithmetic in a proposal.
Auto liability minimums
The minimum auto liability coverage in Idaho:
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $15,000 per accident
- Start date: not stated in the source; confirmed in force on October 3, 2026
- Source: Idaho Department of Insurance, Required Auto Coverage
Idaho law requires that you maintain a minimum of $25,000 per person and $50,000 per accident Bodily Injury Coverage on your auto insurance policy.
Source: Idaho Department of Insurance, Required Auto Coverage
Commercial and for-hire vehicles can face different or higher federal or state requirements, as our commercial auto guide explains.
Paid leave and disability insurance
There is no state paid family and medical leave insurance program and no state temporary disability insurance program in Idaho, according to NCSL's table, last updated November 7, 2025 (NCSL: state family and medical leave laws; cross-checked on October 3, 2026 with the U.S. Department of Labor Women's Bureau).
Because legislatures can create programs, as Virginia did in 2026 (Code of Virginia § 60.2-801), check with the state agency that handles labor and workforce matters before relying on this for a future Idaho payroll year.
Other requirements to check
Insurance or bond conditions can also come from licensing boards, landlords and clients, for example as general liability limits or certificate wording. Log each one in the certificate of insurance checklist, and use the requirements-by-state guide for work outside Idaho.
Where to verify
- Workers' compensation: Idaho Industrial Commission, Employer Compliance Division
- Auto liability minimums: Idaho Department of Insurance, Required Auto Coverage
- Paid leave and disability insurance: NCSL state family and medical leave laws and the U.S. Department of Labor Women's Bureau
Bring the questions from our state requirements checklist when you contact them. If you want PolicyBenchmark to follow up on your Idaho business, request coverage help.
Frequently asked questions
Does an Idaho business with one employee need workers' compensation?
Generally, yes: Idaho applies the requirement from the first employee (Idaho Industrial Commission: Employers FAQs). Exemptions listed above can still apply to particular workers or owners; the agency to ask is the Idaho Industrial Commission, Employer Compliance Division.
Are Idaho's auto minimums enough for business vehicles?
Idaho's minimums are $25,000 per person and $50,000 per accident for bodily injury and $15,000 for property damage (Idaho Department of Insurance, Required Auto Coverage). Those figures are a legal floor rather than a measure of what a business needs; commercial and for-hire vehicles can face different or higher federal or state requirements, and contracts can require more.
Does Idaho require employers to pay into a paid leave program?
No, according to NCSL's table, last updated November 7, 2025 (NCSL): Idaho has neither a state paid family and medical leave program nor a temporary disability insurance program. Confirm before planning a future payroll year.
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This content is for informational purposes only and does not constitute insurance advice. Always consult with a licensed insurance professional before making coverage decisions.