Idaho contractors insurance

Licensing & registration in Idaho

Most construction contractors must register with the state (Idaho contractor registration), and registration generally requires proof of general liability insurance. Public works contractors are licensed separately through the Idaho Public Works Contractors License Board. Verify your specific requirement with the state before working.

Idaho registration leans on a general liability requirement rather than a universal license bond, though bonds may be required for public works or by the parties hiring you. Confirm current bond requirements for your work type.

Coverages Idaho contractors carry

• •General liability — generally intended to respond to third-party injury and property damage from your work, including completed-operations claims that surface after a job.
• •Workers’ compensation — required in most states once you have employees, and commonly required of subs by the GCs who hire them.
• •License / registration bond — a guarantee to the public required by many licensing bodies; distinct from your liability insurance.
• •Tools & equipment (inland marine) — optional coverage generally intended to address loss or damage to your own gear.
• •Commercial auto — for work trucks and vans; personal auto typically excludes business use.

Who needs it in Idaho

Common Idaho users include home builders and remodelers, roofers, framers, electricians, plumbers, HVAC, and landscapers across Boise, Meridian, Nampa, Idaho Falls, and Coeur d’Alene.