Name: Workers' Compensation
Brand: FIG Insurance

Question 1

Is workers' compensation required in Idaho?

Accepted Answer

Yes. Idaho law requires most employers to carry workers' compensation insurance. Exceptions include sole proprietors with no employees and certain agricultural workers. Penalties for non-compliance can be severe.

Question 2

What does workers' compensation cover?

Accepted Answer

Workers' comp covers medical expenses, rehabilitation costs, and a portion of lost wages for employees who are injured or become ill due to their job. It also protects employers from lawsuits related to workplace injuries.

Question 3

How much does workers' comp cost in Idaho?

Accepted Answer

Workers' comp premiums in Idaho are based on your industry classification, payroll size, and claims history. Rates vary from $0.50 to $10+ per $100 of payroll depending on the risk level of the work performed.

Question 4

What should I do if an employee is injured?

Accepted Answer

Provide immediate medical attention, report the injury to your workers' comp carrier, file a First Report of Injury with the Idaho Industrial Commission, and contact your FIG agent for claims assistance.

Question 5

Can I reduce my workers' comp premiums?

Accepted Answer

Yes. Implement workplace safety programs, maintain a clean claims history, classify employees correctly, and work with FIG to shop rates from specialized workers' comp carriers.

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