The Hartford is the best general liability insurance provider in Idaho, delivering an excellent balance of affordable rates and reliable service. NEXT and Nationwide are good alternatives, both offering solid customer service.
General Liability Insurance in Idaho
The Hartford ranks first for general liability insurance in Idaho, scoring 4.59 out of 5.
Explore low-cost general liability insurance in Idaho below.
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Updated: September 15, 2025
Advertising & Editorial Disclosure
Key Takeaways
The Hartford, NEXT and Nationwide are Idaho's leading providers of general liability insurance coverage.
Selecting the right general liability coverage in Idaho depends on your company's specific needs, desired protection levels, and available resources.
A thorough evaluation of multiple quotes, provider financial strength, and customer satisfaction will help secure reliable general liability protection for your business.
Best General Liability Insurance Companies in Idaho
| The Hartford | 4.59 | $77 |
| NEXT | 4.56 | $98 |
| Nationwide | 4.53 | $92 |
| Simply Business | 4.49 | $91 |
| Coverdash | 4.38 | $98 |
| Thimble | 4.35 | $102 |
| biBerk | 4.30 | $108 |
| Progressive Commercial | 4.28 | $95 |
| Chubb | 4.27 | $113 |
| Hiscox | 4.19 | $108 |
How Did We Determine These Rates?
These rates are estimates based on MoneyGeek's analysis of small businesses with two employees across 79 major industries. Actual rates vary based on your specific business location, industry risk factors, claims history, coverage limits and individual insurer underwriting criteria. Contact insurers directly for personalized quotes.
LEARN MORE ABOUT BUSINESS INSURANCE
General liability coverage represents just one piece of your business protection in Idaho. These additional resources can help you build comprehensive coverage:
Best Idaho Small Business Insurance Reviews
We analyzed Idaho's leading general liability insurance providers to identify which companies offer small business owners the most reliable coverage and competitive rates.
The Hartford
Best Overall Provider
MoneyGeek Rating
4.6/ 5
4.5/5Affordability
4.6/5Customer Experience
4.7/5Coverage Options
Average Monthly Premium
$77Our Survey: Claims Process
4.5/5Recommend to Others
4.5/5
NEXT
Runner-Up Best Provider
MoneyGeek Rating
4.6/ 5
4.3/5Affordability
4.7/5Customer Experience
4.8/5Coverage Options
Average Monthly Premium
$98Our Survey: Claims Process
3.9/5Recommend to Others
4.8/5
Cheapest General Liability Insurance Companies in Idaho
The Hartford offers the most affordable general liability insurance in Idaho at $77 monthly or $929 annually. Simply Business and Nationwide also provide competitive rates.
| The Hartford | $77 | $929 |
| Simply Business | $91 | $1,089 |
| Nationwide | $92 | $1,103 |
| Progressive Commercial | $95 | $1,137 |
| NEXT | $98 | $1,172 |
| Coverdash | $98 | $1,176 |
| Thimble | $102 | $1,220 |
| Hiscox | $108 | $1,299 |
| biBerk | $108 | $1,300 |
| Chubb | $113 | $1,352 |
How Did We Determine These Rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Your actual premium depends on where your business is located, what industry you're in, how much coverage you choose, and other factors insurers consider. Available options differ by state.
Average Cost of General Liability Insurance in Idaho
General liability insurance in Idaho averages $98 monthly or $1,170 annually, slightly below the national average. Your actual premium depends on your industry, business size, and claims history. Construction companies typically pay more than low-risk businesses like consulting firms due to higher liability exposure.
Average Cost of General Liability Insurance by Industry
General liability insurance costs vary dramatically by industry in Idaho. Pressure washing businesses face the highest monthly premiums at $872, while drone companies pay the most affordable rates at just $16 per month. The table below shows how premiums differ across various business types throughout the state.
| Accountants | $21 | $252 |
| Ad Agency | $34 | $404 |
| Automotive | $51 | $609 |
| Auto Repair | $145 | $1,737 |
| Bakery | $86 | $1,033 |
| Barber | $42 | $507 |
| Beauty Salon | $64 | $764 |
| Bounce House | $67 | $803 |
| Candle | $52 | $628 |
| Cannabis | $64 | $766 |
| Catering | $84 | $1,002 |
| Cleaning | $126 | $1,515 |
| Coffee Shop | $85 | $1,026 |
| Computer Programming | $28 | $332 |
| Computer Repair | $45 | $544 |
| Construction | $167 | $2,005 |
| Consulting | $21 | $251 |
| Contractor | $243 | $2,913 |
| Courier | $186 | $2,234 |
| Daycare | $31 | $376 |
| Dental | $20 | $246 |
| DJ | $24 | $289 |
| Dog Grooming | $60 | $725 |
| Drone | $16 | $191 |
| Ecommerce | $70 | $836 |
| Electrical | $107 | $1,285 |
| Engineering | $38 | $456 |
| Excavation | $444 | $5,323 |
| Florist | $41 | $489 |
| Food | $103 | $1,231 |
| Food Truck | $135 | $1,620 |
| Funeral Home | $58 | $690 |
| Gardening | $107 | $1,285 |
| Handyman | $233 | $2,790 |
| Home-based | $23 | $272 |
| Home-based | $44 | $523 |
| Hospitality | $62 | $745 |
| HVAC | $234 | $2,804 |
| Janitorial | $131 | $1,568 |
| Jewelry | $38 | $461 |
| Junk Removal | $155 | $1,857 |
| Lawn/Landscaping | $115 | $1,374 |
| Lawyers | $22 | $261 |
| Manufacturing | $61 | $731 |
| Marine | $27 | $321 |
| Massage | $91 | $1,096 |
| Mortgage Broker | $22 | $262 |
| Moving | $118 | $1,418 |
| Nonprofit | $34 | $410 |
| Painting | $137 | $1,644 |
| Party Rental | $76 | $909 |
| Personal Training | $23 | $273 |
| Pest Control | $31 | $369 |
| Pet | $53 | $641 |
| Pharmacy | $59 | $706 |
| Photography | $23 | $276 |
| Physical Therapy | $105 | $1,261 |
| Plumbing | $344 | $4,133 |
| Pressure Washing | $872 | $10,464 |
| Real Estate | $51 | $608 |
| Restaurant | $138 | $1,658 |
| Retail | $62 | $748 |
| Roofing | $370 | $4,436 |
| Security | $133 | $1,590 |
| Snack Bars | $112 | $1,342 |
| Software | $25 | $301 |
| Spa/Wellness | $102 | $1,220 |
| Speech Therapist | $30 | $357 |
| Startup | $27 | $327 |
| Tech/IT | $25 | $302 |
| Transportation | $36 | $430 |
| Travel | $20 | $238 |
| Tree Service | $124 | $1,484 |
| Trucking | $98 | $1,173 |
| Tutoring | $29 | $346 |
| Veterinary | $43 | $512 |
| Wedding Planning | $26 | $317 |
| Welding | $157 | $1,885 |
| Wholesale | $43 | $511 |
| Window Cleaning | $152 | $1,821 |
How Did We Determine These Rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Your actual premium depends on where your business is located, what industry you're in, how much coverage you choose, and other factors insurers consider. Available options differ by state.
How Much General Liability Insurance Do I Need in Idaho?
Idaho doesn't require most businesses to carry general liability insurance at the state level. Individual cities and counties can have their own insurance rules. Check your local government offices to understand area-specific requirements. Certain licensed trades must carry specific coverage to keep their professional licenses active:
Electricians
Most electricians maintain coverage of at least $1,000,000 per occurrence and $2,000,000 annual aggregate to meet industry standards and local requirements.
Electrical Sign Contractors
Electrical sign contractors in Idaho must provide proof of general liability insurance as part of their licensing requirements. Coverage amounts are $1,000,000 per occurrence and $2,000,000 annual aggregate.
HVAC Contractors
For Idaho HVAC contractors, general liability minimums vary by license classification. Most maintain at least $1,000,000 per occurrence coverage to satisfy licensing boards.
Fire Safety Companies
Industry standards typically call for minimum coverage of $1,000,000 per occurrence and $2,000,000 annual aggregate.
General liability insurance becomes a business necessity regardless of legal requirements. Most commercial property owners demand proof of coverage before approving lease agreements. Major corporations and government contracts typically require current insurance certificates from any contractor they hire. Smart business owners ensure their coverage limits satisfy both licensing standards and client expectations to avoid losing opportunities.
How to Choose the Best General Liability Insurance in Idaho
Choosing general liability insurance in Idaho starts with knowing what protection your business actually needs and what premiums fit your budget.
- 1
Determine your coverage needs
Review Idaho's licensing requirements for your specific industry first. Many clients demand $1 million in coverage even when state minimums are lower.
- 2
Prepare your business information
Gather details like annual revenue, employee count, business classification and location.
- 3
Shop multiple insurance quotes
Request quotes from at least three insurers since pricing varies.
- 4
Examine policy details carefully
Look for exclusions and coverage limits besides premiums. Some policies include legal defense costs.
- 5
Verify insurer and agent credentials
Use Idaho's Department of Insurance website to confirm licensing and check complaint records. Look up AM Best financial ratings.
- 6
Ask about available discounts
Ask about savings for bundling multiple policies, implementing safety programs or maintaining clean claims histories. These discounts can reduce your annual premium costs.
- 7
Obtain your insurance certificate
Request your certificate of insurance immediately after purchasing coverage since clients and landlords often require this proof.
How to Prevent General Liability Claims in Idaho
No business owner wants to handle liability claims, but Idaho entrepreneurs can prevent most issues through smart preparation and proactive planning.
Watch out for property hazards
Winter ice and snow create slip risks, especially around entrances and walkways. Check outdoor areas regularly during weather changes and maintain proper lighting in parking areas. Address uneven surfaces and drainage issues.
Train your people well
Safety training prevents costly accidents. Provide specific instruction on ladder safety, proper lifting techniques and weather-related precautions.
Keep good records
Document incidents immediately with photos, witness statements and detailed notes about what happened.
Get everything in writing
Written agreements prevent misunderstandings by clearly defining work scope, safety responsibilities and property access rules.
Fix problems fast
Address safety concerns and customer complaints immediately to prevent small issues from becoming major claims.
General Liability Insurance in Idaho: Bottom Line
Securing quality general liability insurance in Idaho requires careful evaluation of your business needs and thorough provider research. The Hartford, NEXT, and Nationwide emerge as top-performing insurers in the state, yet the optimal choice varies based on your industry type, company size, and available budget. Smart business owners obtain quotes from multiple carriers and verify each provider's licensing credentials before finalizing their coverage decision.
Commercial General Liability Insurance in Idaho: FAQ
Our research and analysis helped us answer the most common general liability insurance questions that Idaho business owners ask.
What does general liability insurance cover for Idaho businesses?
General liability insurance for Idaho businesses covers bodily injuries to third parties, property damage you cause to others, and legal defense costs.
How much does general liability insurance cost in Idaho?
General liability insurance costs for Idaho small businesses range from $77 to $113 monthly. The Hartford leads as the most affordable option at $77 per month, followed by Simply Business at $91 and Nationwide at $92.
Do Idaho businesses legally need general liability insurance?
Idaho does not mandate general liability insurance for most businesses, but municipalities may impose their own requirements. Licensed professionals like contractors and electricians often need specific coverage amounts.
Which company offers the best general liability insurance in Idaho?
The Hartford ranks as Idaho's top general liability insurance provider, with exceptional financial stability and competitive pricing at $77 per month.
What coverage limits should Idaho businesses choose?
Idaho businesses should first verify minimum coverage requirements for industry licensing. Small businesses commonly select $1 million per occurrence and $2 million aggregate limits.
How can Idaho businesses prevent general liability claims?
Idaho businesses can reduce liability claims by maintaining safe premises and by training employees often.
Can Idaho businesses get discounts on general liability insurance?
Yes, Idaho businesses can secure discounts on general liability insurance through bundling general liability with property or other commercial coverages. Additional savings opportunities include completing workplace safety programs.
How quickly can Idaho businesses get general liability coverage?
Idaho businesses can obtain general liability coverage within hours through digital platforms.
What should Idaho businesses do when filing a general liability claim?
Idaho businesses must report incidents to their insurance carrier immediately. Document everything thoroughly by taking photographs, gathering witness contact information and preserving relevant records.
How does general liability differ from professional liability coverage?
General liability insurance protects against physical incidents like customer injuries or property damage during business operations. Professional liability covers mistakes in services you provide, such as consulting errors that cause client financial losses.
How We Scored the Best General Liability Insurance Companies in Idaho
Idaho businesses encounter specific liability challenges, from weather-related incidents to workplace injuries across diverse industries. Our evaluation process identifies general liability insurers that deliver solid coverage without breaking small business budgets.
What We Evaluated
- Affordability (50%): Cost remains the biggest concern for Idaho small businesses operating with limited cash flow. We analyzed premium rates across carriers because reasonable pricing determines whether businesses can actually maintain coverage.
- Customer experience (30%): Quality claims service protects business operations when accidents happen. We examined J.D. Power ratings, state complaint databases, and independent agent feedback to assess how insurers treat policyholders during claims.
- Coverage options (15%): Idaho businesses span many sectors, each with distinct liability exposures. We evaluated how effectively insurers customize general liability policies for different business types, from retail shops to construction companies.
- Financial strength (5%): Low premiums mean nothing if the insurer cannot pay valid claims. We checked AM Best ratings and financial stability reports to confirm each company's ability to meet claim obligations.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- NEXT. "NEXT: Small Business Insurance Quotes Online." Accessed September 18, 2025.
- NEXT. "Customer Reviews | NEXT." Accessed September 18, 2025.
- Trustpilot. "Next Insurance Reviews." Accessed September 18, 2025.
- Trustpilot. "The Hartford Reviews." Accessed September 18, 2025.
- The Hartford. "When Is Liability Insurance Needed?." Accessed September 18, 2025.
- The Hartford. "What Does General Liability Insurance Cover?." Accessed September 18, 2025.