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Commercial

  • Insure your business to ensure your ability to protect your income.

Business and Commercial Insurance

Simplified – Comprehensive – Package Policies 

Business Owners Policies are designed to include common and important coverage options needed by businesses with operating locations.  This includes:

  • Building and Property Coverage
  • Liability Coverage
  • Employers Liability Coverage
  • Loss of Income Coverage
  • and more…

Home-Based Businesses

Homeowners policies uually exclude liability related to income producing endeavors.  A commercial general liability policy will serve to provide home based businesses with needed protection.

Contractors

The Idaho Bureau of Occupational Licenses usually requires that you maintain a Commercial General Liability policy with a minimum of $300,000 coverage. Contractor coverage varies in cost according to the type of contract specialty and the volume of work based on estimated gross income. Most jobs require that a contractor show proof of coverage and provide a certificate of insurance. Contractors may also obtain the following coverage as part of the same policy:

  • Builders Risk – to cover a structure while it is being built
  • Installation Floater – to cover materials that have been delivered before they are added to the structure
  • Tools – Hand and electric powered tools owned by the contractor and transported and used at job sites
  • Mobile Equipment – Tractors, excavators, and other equipment can be insured when owned or rented 
  • Vehicle Coverage – Work trucks and trailers can be insured by the contractor.

Workers Compensation

If you have employees, you need to have worker’s compensation for your employee(s). There is criteria list that defines an employee vs a sub-contractor. This legally defines the worker’s status, no matter what you choose to call them. You are required by law to have workers compensation insurance on all of your employees.  We can easily assist you with securing worker’s compensation..