Contractor Insurance
in Idaho
Insurance That Works for Idaho’s Independent Contractors
From Boise to Coeur d’Alene, Idaho Falls to Twin Falls—contractors across the Gem State rely on ACI for insurance that’s fast, affordable, and aligned with Idaho’s business requirements. Whether you’re a small business owner, licensed contractor, or independent tradesperson, we help you stay protected and compliant—without the stress.
Why Contractors in Idaho Choose ACI
Local Expertise
We understand Idaho’s registration requirements and business insurance regulations for contractors.
Same-Day Certificates
Need coverage proof to register with the Idaho Contractors Board or start a project? We deliver fast.
Flexible Payment Plans
Only 20% down to get started, with affordable monthly options.
Bundled Savings
Combine general liability, commercial auto, and workers’ comp to save up to 25%.
Insurance Coverage We Offer in Idaho
We provide all the essential policies required for licensed and unlicensed contractors operating across Idaho.
- General Liability Insurance
Protects against bodily injury, property damage, and legal claims from third parties. Often required when registering as a contractor with the Idaho Division of Occupational and Professional Licenses (DOPL) or bidding on residential projects.
- Workers’ Compensation Insurance
Mandatory for Idaho contractors with one or more employees. Covers jobsite injuries, medical care, and lost wages—while protecting your business from legal exposure.
- Commercial Auto Insurance
If you use a truck, van, or trailer for work, you’ll likely need commercial auto coverage. This policy protects against liability, collisions, and theft not covered by personal auto insurance.
- Tools & Equipment Insurance
Covers hand tools, heavy machinery, and mobile equipment against theft, fire, or accidental damage—whether it’s stored in your trailer or on-site in rural areas.
- Builder’s Risk Insurance
Temporary coverage for homes, buildings, or structures under construction. Protects materials and labor from damage due to fire, weather, or vandalism—especially helpful during Idaho’s long winters and wildfire seasons.
- Professional Liability Insurance
Protects against claims related to design errors, project delays, or contract disputes. Ideal for contractors offering estimates, consulting, or design-build services.
Who We Cover in Idaho
ACI insures a wide range of trades across Idaho’s cities and rural communities, including:
- General Contractors
- Roofers
- Electricians
- Plumbers
- HVAC Technicians
If you work with tools or manage builds—we likely cover your trade. Request a quote to get started.
How Much Does Contractor Insurance Cost in Idaho?
Your premium depends on your trade, business size, and risk exposure. Whether you’re remodeling homes in Meridian or excavating land in Pocatello, we help you find the best-fit policy for your needs and budget.
Cost Factors
- Type of Work
Riskier trades like roofing, framing, or excavation cost more than painting or finish carpentry.
- Business Size
More employees or subcontractors often result in higher premiums.
- Coverage Limits
Higher limits offer more protection—and increase monthly costs.
- Claims History
Fewer claims often lead to lower rates.
- Location & Risk Profile
Rural worksites, elevation hazards, and seasonal weather may impact pricing.
See your personalized rate today—no commitment, just answers.
Idaho Contractor Insurance Requirements
General Liability Insurance
Recommended and often required by homeowners, general contractors, and permitting authorities across Idaho.
Workers’ Compensation Insurance
Mandatory for businesses with at least one employee, including part-time and temporary workers.
Commercial Auto Insurance
Applies to any vehicle used primarily for work—whether hauling tools to a mountain cabin or towing a trailer in Boise.
Requirements may vary based on your county, trade, and job size—ACI helps you stay covered without overpaying.
Get a Free Contractor Insurance Quote
in Idaho
From concrete foundations in Nampa to full remodels in Sandpoint, ACI helps Idaho contractors get covered fast with insurance that fits your trade, your crew, and your growth.