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Workers’ Compensation Insurance in Idaho

Workers' Compensation Insurance in Idaho

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If your business has employees in the state of Idaho, you’ll need to make sure you adhere to Idaho’s Workers’ Compensation Insurance laws. Workers’ Compensation provides medical and financial benefits for employees who suffer work-related injuries or illnesses or for their survivors in the case of an employee death.

Who needs Workers’ Compensation Insurance in Idaho?

Idaho requires all employers with one or more employees to obtain Workers’ Compensation Insurance. In Idaho, an “employee” is generally defined as any individual who has entered into the employment of, or who works under contract of service or apprenticeship with, an employer, and is not an independent contractor. 

The Idaho Workers’ Compensation Law (WCL) defines all of the requirements for Workers’ Comp in Idaho, and the Idaho Industrial Commission (IIC) monitors, enforces, and administers the program. Ensuring your company is in compliance is critical, as there are serious penalties and fines for those who fail to abide by state regulations.

What employees are covered under Workers’ Compensation in Idaho?

Almost all workers are covered under Workers’ Compensation in Idaho. If you provide work or services for an employer, and you are not an independent contractor, you will likely be eligible for Workers’ Compensation Insurance.

The following are categories of employees that are eligible for Workers’ Comp coverage:

The following are categories of employees that are generally excluded from Workers’ Comp coverage:

What Workers’ Compensation benefits do employees receive?

Under Workers’ Compensation in Idaho, employers are required to provide the following benefits to employees who are injured in the course of employment:

Medical Benefits

Temporary Total Disability Benefits

Temporary Partial Disability Benefits

Permanent Partial Disability Benefits

Permanent Total Disability Benefits

Death Benefits

What are the penalties for breaking Idaho Workers’ Compensation laws?

Failure to adhere to the Workers’ Compensation laws set out by the WCL can result in significant fines and even imprisonment. In order to avoid any costly penalties, it’s important to consult the WCL or your insurer to ensure you are in compliance. Below are the major ways in which companies can be penalized:

Failure to Maintain Coverage

Failure to Pay Compensation


How much does Workers’ Compensation Insurance cost in Idaho?

According to the National Academy of Social Insurance Workers’ Compensation Report (November 2020), the average employer cost for Workers’ Compensation in Idaho was $1.64 per $100 of covered wages. This figure is estimated across all insurers and all industries, so the cost to your particular business may vary.

How does the Workers’ Compensation claims process work in Idaho?

Employers must report work-related conditions that cause workers to need medical treatment or be unable to work. Reports must be made within 10 days of the employer learning of the condition. Employers must also keep records of all work-related conditions that occur, as well as records of employees, and their job classifications and wages. Employee’s claim files should be kept by the employer for either the life of the claim or five years after the claim is closed (whichever is shorter).

Employers must make required benefit payments to employees within four weeks of the first day of disability. Payments are made on a weekly basis, but employers may request a biweekly or monthly schedule from the IIC if they wish. 

Idaho Workers’ Compensation Insurance Resources

For more information on Idaho Workers’ Compensation laws and requirements, please visit the following resources:

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