Workers’ Compensation Insurance
Protecting your employees means protecting your business, too. We’ll help you set up workers’ comp the right way, avoid costly misclassification errors, and put strategies in place to keep premiums under control.
From your very first hire to managing larger crews, we make compliance simple and stress-free. Our team also supports you through claims so employees get the care they need and you stay focused on running your business.
What We Help You With:
POLICY SETUP & COMPLIANCE →
We guide you through the process of setting up a workers’ compensation policy that meets Idaho state requirements. This ensures you stay compliant with regulations and avoid fines or penalties.
CLASS CODES & PAYROLL →
Getting the right employee class codes and payroll reporting is critical to fair premiums. We help you avoid misclassification errors that can lead to audit surprises and unexpected costs.
MOD FACTOR MANAGEMENT →
Your experience mod directly affects your workers’ comp premiums. We assist with safety programs, claims prevention, and return-to-work strategies to keep your mod factor as low as possible.
CLAIMS & MEDICAL NETWORKS →
When injuries happen, fast and effective claims handling makes all the difference. We connect you with trusted medical networks and manage claims to reduce downtime and lower overall loss costs.
COORDINATION →
Workers’ comp doesn’t operate in a vacuum—it should align with your other policies. We coordinate coverage with general liability, auto, and even group health to create a smooth, integrated risk management plan.
Workers’ Comp FAQ
Who needs workers’ comp in Idaho?
Most employers with employees do. We’ll confirm your obligations.
What drives my premium?
Class codes, payroll, experience mod, and claims history.
How can I lower costs?
Safety training, hiring standards, prompt claims reporting, and RTW programs.
What is an experience mod?
A factor comparing your claims to similar businesses—below 1.0 means better-than-average losses.
What happens at audit?
Payroll is reconciled to actuals. We help prepare and minimize surprises.