Best General Liability Insurance in Idaho (2025)

After evaluating key factors such as affordability for LLCs and sole proprietors, customer satisfaction, financial stability and the online quote process, MoneyGeek identified the best general liability insurance providers in Idaho.

Thimble is the overall winner and also earned the top spot for the most affordable insurer for general liability insurance in Idaho. The company provides coverage for sole proprietors with no employees at $22 per month. For limited liability companies (LLCs) with 20 employees, Thimble has slightly higher rates, averaging $53 per month.

With a MoneyGeek score of 92 out of 100, Thimble offers the best general liability insurance in Idaho based on our findings. In the table below, you'll find the costs and MoneyGeek scores for all the companies we evaluated in Idaho.

Thimble is the cheapest company, with a monthly cost of $22 for sole proprietors and $53 for LLCs. Our ranking methodology used an affordability score that combines the monthly costs for both sole proprietors and LLCs, with each weighted equally at 50%. Keep in mind that the cheapest overall company may not have the lowest cost for both sole proprietors and LLCs individually.

Nationwide is the best company for employers in Idaho, earning a MoneyGeek score of 97 out of 100. These rankings are based on the average monthly cost for LLCs with 20 employees, and Nationwide offers an average monthly rate of $40 for these businesses. Your rate can change based on the number of employees you have. Businesses with less than 20 employees can expect to pay below-average fees, while larger businesses may need to pay higher premiums.

Thimble offers the best general liability insurance in Idaho for sole proprietors, with a MoneyGeek score of 95 out of 100. Its average monthly cost for sole proprietors with no employees is $22. Costs may increase for sole proprietors in riskier industries, including those in construction.

General liability insurance is not legally required for businesses, but it offers crucial protection against financial risks. It covers property damage, bodily injury and advertising injury claims. Without this coverage, business owners could be personally responsible for expenses associated with liability claims. While not mandatory, general liability insurance might be necessary to obtain licenses or win contracts in certain industries, enhancing credibility.

In addition to general liability insurance, another type of business insurance that companies may need is workers’ compensation insurance, which is required for Idaho businesses with one or more employees. This provides benefits to employees who suffer work-related injuries or illnesses, including medical expenses, wage replacement and rehabilitation costs.

In Idaho, commercial auto insurance requires a minimum coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $15,000 for property damage. This ensures businesses can cover costs resulting from accidents or damages involving company vehicles.

In Idaho, the average monthly cost of general liability insurance is $57 for LLCs and $28 for sole proprietors. The policy limits we set for coverage include a $2 million aggregate limit and a $1 million occurrence limit with a $0 deductible.

These limits have specific implications for business owners. The $2 million aggregate limit represents the maximum amount the insurance policy will cover over a specific period, typically a year. The $1 million occurrence limit indicates the maximum amount the policy will pay for a single covered incident. Having a $0 deductible means that the business owner is not responsible for any out-of-pocket expenses before their insurance coverage kicks in.

The cost of general liability insurance varies for each business based on these factors:

To help you find the right general liability insurance for your business, we've answered common questions about general liability insurance in Idaho.