Nationwide is the top contender for Idaho’s best general liability insurance in MoneyGeek’s analysis, with a score of 96 out of 100. However, The Hartford, Thimble, NEXT, and Hiscox are also great options for general liability policies.
Best General Liability Insurance in Idaho
Updated: June 20, 2025
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Key Takeaways
Overall, the best general liability insurance company in Idaho is Nationwide, which has a great balance of affordable rates for LLCs and good customer service.
The cheapest general liability insurance for sole proprietors in Idaho is offered by Thimble at $24 per month. For LLCs, NEXT is the most affordable option at $38 a month.
General liability insurance costs in Idaho depend on your industry, and we found they can range from $30 to $2,189 per month on average.
Best Cheap General Liability Insurance in Idaho
| Nationwide | 96 | $35 | $43 |
| The Hartford | 93 | $34 | $57 |
| Thimble | 90 | $24 | $58 |
| NEXT | 90 | $28 | $38 |
| Hiscox | 83 | $32 | $115 |
*Rates were based on a $1,000,000 per occurrence and $2,000,000 aggregate limit for a software development company.
Nationwide: Best Overall
pros
Low rates for LLC businesses
Large coverage selection
Low customer claims frequency
cons
Higher rates for sole proprietors
COMPANY HIGHLIGHTS
Nationwide secures our endorsement as Idaho's premier general liability coverage provider by combining affordable rates with exceptional service quality. The insurer shares first place for minimal NAIC claims ratios while ranking second in LLC cost-effectiveness at an average of $516 yearly.
Thimble: Cheapest Overall
pros
Flexible coverage options
Affordable rates for sole proprietors
Quick and easy process
cons
Limited customer support
COMPANY HIGHLIGHTS
Thimble is the best in Idaho for low-cost general liability protection. It offers the lowest cost for sole proprietors at $24. Although it isn't the most affordable option for LLCs and has limited customer support, Thimble stands out with its quick and easy process as well as its strong coverage options.
How Much Is General Liability Insurance in Idaho?
An average general liability insurance policy in Idaho typically costs around $30 per month for sole proprietors and $62 per month for LLCs. However, this only represents software development companies and the costs can vary widely by industry.
| Cleaning | $1,188 | $53 |
| General Contractor | $2,189 | $124 |
| Software Development | $62 | $30 |
*Rates are based on a $1,000,000 per occurrence and $2,000,000 aggregate coverage policy for general liability.
Factors That Impact General Liability Insurance Costs in Idaho
General liability insurance costs can fluctuate based on a number of different factors in Idaho. In the list below, you can see these factors and their impacts on your coverage costs:
Policy limits
Coverage limits greatly influence insurance premiums. Higher limits lead to increased costs, whereas lower limits generally result in more affordable premiums.
Number of employees and payroll costs
Businesses with a large workforce and substantial payroll expenses often see higher general liability insurance costs. Our study of LLCs and sole proprietorships confirms this trend.
Business location
Your business's location can significantly affect insurance costs. Be mindful that state-level average rates can differ between cities, so these variations should be considered when assessing coverage needs.
Claims history
A record of multiple claims can make a business seem riskier to insurers, leading to higher premiums.
Industry
Industries with elevated risks, like construction, typically incur higher general liability insurance costs.
Idaho General Liability Insurance: Buyer's Guide
Business insurance is a complicated industry and can be difficult to navigate. So, to simplify your understanding of general liability insurance, we've created a short guide detailing how to get the best coverage, defining what it covers, listing requirements in Idaho, and explaining how much coverage you should consider getting.
How to Find the Best General Liability Insurance Company
To help ensure that you get the best small business insurance regardless of your industry, we've created a step-by-step guide to simplify your coverage search.
- 1
Define your coverage needs
Find your liability risk by considering your industry, products or services, customer types, business size and market impact. To evaluate coverage options better, measure the frequency and costs of common claims in your industry.
- 2
Research average costs for your business
Research average costs for your type of business to understand how good of a deal you're getting from insurance companies. Knowing average expenses will give you insight into if a company is going to save you money.
- 3
Consult similar businesses
Your business community is your greatest resource, and personal experience is often more valuable than resources online. You'll likely be able to get recommendations that are better for your specific needs and an understanding of what claims are common within your industry.
- 4
Compare multiple options through different means
Comparing multiple companies apples to apples ensures that you can judge which option is best for your business. Also, choosing multiple means of comparison, like online comparison sites and brokers, will give you a more comprehensive view of pricing.
What Does General Liability Insurance Cover and How Does It Work?
General liability insurance coverage consists of two parts: per occurrence and aggregate limits. Per occurrence refers to the maximum a single claim can go up to, while the aggregate limit is the total coverage you can get per year. In terms of covered items, this type of policy includes the following:
Bodily injuries or property damage on business property
Legal fees for bodily injury or property damage that your company may be responsible for
Damages to leased or rented business property
Bodily injury or property damage caused by your product or service
Libel, slander, or reputational harm legal defense
Legal fees for copyright infringement accusations
Is General Liability Insurance Required in Idaho?
General liability insurance isn't expressly required by state law and instead varies by your industry. However, if you want to apply for a professional license, sign a contract with a larger company, or sign an office lease, some form of general liability insurance may be required. While not an exhaustive list, the following industries tend to fall into these categories:
- Medical
- Accounting
- Real estate
- Insurance
- Contracting
- Engineering
- Marketing
- Law
- Consulting
- Media/Communications
How Much General Liability Insurance Do I Need?
Most small businesses will only need a standard policy with 1 million dollars of protection per occurrence and a 2 million limit per year. This will likely cover most or all damages caused over a year for most business types. Even so, your particular industry's risks and the size of your operation may require a larger coverage limit than standard.
WHO MAY NEED MORE COVERAGE
Certain businesses face more risks and often have higher general liability insurance costs. These include health, building, hospitality and retail companies. If your company is one of these, it might be smart to get more insurance. Bigger businesses with lots of workers or customers should also check their risks. They might need more insurance than the smallest amount.
Best General Liability Insurance in Idaho: Bottom Line
Overall the best general liability insurance companies in Idaho are Nationwide, The Hartford, and Thimble. However, we recommend comparing around yourself and getting plenty of quotes to ensure you get the best deal possible.
General Liability Insurance in Idaho: FAQ
Below, we address frequently asked questions regarding general liability insurance in Idaho:
Which company has the best general liability insurance in Idaho?
MoneyGeek's top choice for general liability insurance in Idaho is Nationwide, which earned an overall score of 96 out of 100. However, the ideal insurance for you depends on various details, including your business size, number of employees, and specific coverage requirements.
Which company has the cheapest general liability insurance in Idaho?
For sole proprietors, Thimble offers the most affordable coverage in Idaho with rates starting at $288 per year ($24 per month). For LLCs, NEXT provides the cheapest option at $456 per year ($38 per month).
Does Idaho require businesses to have general liability insurance?
Idaho does not mandate general liability insurance for businesses, but it's a way to protect against potential claims.
How We Chose the Best General Liability Insurance Providers in Idaho
We broke down our scores into these categories and weights:
- LLC cost (55% of score)
- Sole proprietor cost (5% of score)
- Customer satisfaction (25% of score)
- Financial strength (10% of score)
- Quote process time (5% of score)
For all business insurance companies, we assumed software development industry LLCs with 20 employees. We based customer satisfaction and financial strength scores on NAIC and AM Best ratings. Quote process scores came from our MoneyGeek experts' personal experiences.
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.