Workers' Compensation by state

Workers' compensation requirements in Idaho

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Direct answer

Does Idaho require workers' compensation insurance?

Yes. Idaho requires workers' compensation coverage once a business has one or more employees, under the Idaho Workers' Compensation Law. Idaho requires most employers with one or more employees to carry workers' compensation coverage. Coverage can be purchased from a private insurer, through the Idaho State Insurance Fund, or via approved self-insurance.

Reviewed by Cornerstone Staff28 years of financial services state licensing experienceLast verified July 29, 2026

How the mandate works

Idaho requires most employers with one or more employees to carry workers' compensation coverage. Coverage can be purchased from a private insurer, through the Idaho State Insurance Fund, or via approved self-insurance.

Coverage trigger: One or more employees
If you go without coverage: Failing to carry required coverage can bring penalties, injunctions against continued operation, and direct liability for an injured worker's benefits.

Notable exemptions

Exemptions are narrow and fact-specific; confirm your situation with the regulator or an agent before relying on one.

Sole proprietors and working partners, who may elect coverage
Household domestic service and certain casual employment
Some agricultural labor and outworkers

Statutes and sources

Idaho Workers' Compensation Law

Idaho Code sect. 72-101 et seq.

Regulator: Idaho Industrial Commission . Last verified 2026-07-29 from the official source .

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