Idaho Independent Agents

All your Idaho Insurance Needs Met In One Place

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They understand your risks and will find you the coverage you need.

Most Popular Coverages in Idaho

Home Insurance

The coverage you need to protect your home and everything in it.

Auto Insurance

The right protection for you, your car and others on the road.

Business Insurance

Broad protection that covers you, your employees, and customers.

Workers' Compensation

Valuable employee coverage for work-related injuries and illnesses.

Home insurance provides a backup plan in case a catastrophe strikes in the neighborhood. Whether it's a fire, high winds, or a burglary, it's covered by a suitable homeowners insurance policy in Indiana. Home insurance will pay for repairs to the home and replacement of belongings, pay for someone else's injuries on the property when it's the homeowner's fault, and may pay for temporary living expenses if the home is so badly damaged that it's uninhabitable. 

In Idaho, 8.2% of drivers are driving without car insurance. Sometimes people  get behind the wheel with no backup plan to cover the financial fallout if they cause an accident. That's why uninsured motorist coverage is so important. If another driver is hit by one who doesn't have insurance, this policy pays to fix their car and covers any medical bills. A minimum of $25,000 in uninsured/underinsured motorists coverage is required in the state of Idaho

Last year, insurance companies paid out more than $637 million in business insurance claims in the state of Idaho. Without commercial insurance, a business's revenues are at risk. 

This type of insurance protects a company's bottom line by covering many of the hazards the business faces. These can include losses, damage and liability lawsuits. 

Businesses that operate in Idaho need to ensure that they are adhering to the state worker's compensation laws. In this state, all businesses with one or more employees, whether full-time, part-time, seasonal, or occasional, are required to have a workman's comp policy.

Failure to carry this coverage can result in fines for the business. The assessed fine will be $2.00 dollars a day for each employee who is not covered, or $25.00 a day for each day of operating the business without coverage—whichever is greater.

Restaurants in Idaho need three basic types of insurance: property, liability, and employee coverage. Keep in mind that each type of insurance has sub-types of more specialized insurance depending on the type of restaurant and the services offered. Many restaurants have added policies for delivery and buffet services. Food spoilage is also a popular add-on policy for restaurants.

Commercial auto insurance is a policy or set of policies put in place to protect a business from liability and lawsuits stemming from auto collisions. Legally, a business must have commercial auto insurance covering their business vehicles in Idaho. A typical commercial auto insurance policy in Idaho may include the following coverages: liability, medical, collision, comprehensive coverage, and uninsured motorists coverage. Some policies may even include towing and roadside assistance.

Idaho is known for its low cost of living, beautiful hot springs, and generally mild climate.  But that doesn't mean it doesn't have its share of business risks. Here's a quick look at a few of the most common hotel insurance claims in Idaho: flood damage, fire damage, liability claims, data breaches, and business interruption claims. 

Umbrella insurance covers any damage that policyholders are required to pay as a result of causing someone injury or death. It also pays for legal defense, even if in the end the policyholder is not found to be responsible. An umbrella policy only kicks in once the basic liability limits have been exceeded or the claim is excluded from basic liability coverage. The claim will be made against policyholder on behalf of the wronged party. Then the insurance company may pay the settlement amount up to the limits of coverage. If the settlement awarded is above the coverage limits, the policyholder is responsible for paying the remaining amount out of pocket.

While a landlord most likely carries an insurance policy on the building where a tenant lives, their coverage only pertains to the structure itself and not the property in the unit. If an apartment, condo or townhome is struck by severe weather, fire or vandalism, the tenant is responsible for covering any damage to their belongings. Without a comprehensive renters insurance policy, the cost to repair or replace those belongings could wipe a tenant out.

There are many types of life insurance available to Idaho residents. It's a wise idea to be familiar with the different types of policies available in order to choose the one that's the best for an individual and their family. The most common types of life insurance available are: term life, whole life, permanent life, and universal life. 

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