ERGO NEXT leads as the best professional liability insurance provider in Idaho, combining the lowest rates with top-rated customer service and user-friendly digital tools. As the cheapest professional indemnity insurer in the state, ERGO NEXT averages $67 per month, saving professionals $6 monthly compared to the state average. The Hartford, Simply Business, Nationwide and Coverdash round out the top providers worth considering for top errors and omissions insurance in Idaho.
Best Professional Liability Insurance in Idaho
Get ID professional liability insurance quotes starting at $25 monthly from MoneyGeek's top companies like ERGO NEXT, The Hartford and Simply Business.
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Updated: February 1, 2026
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Professional Liability Insurance in Idaho: Key Takeaways
ERGO NEXT provides both the best professional liability insurance and most affordable coverage in Idaho starting at $67 monthly (Read More).
Professional liability insurance costs in Idaho average $73 monthly ($882 yearly), placing the state among the most affordable nationwide (Read More).
Professional liability insurance protects Idaho businesses from financial losses caused by professional mistakes, negligence claims and unmet service obligations (Read More).
Idaho businesses choose professional liability insurance voluntarily, though health care professionals and other licensed practitioners have mandatory coverage requirements (Read More).
Idaho business owners should evaluate multiple small business insurance quotes and coverage options to secure optimal professional liability protection for their specific needs (Read More).
Best Professional Liability Insurance Companies in Idaho
| ERGO NEXT | 4.74 | $67 |
| The Hartford | 4.64 | $68 |
| Simply Business | 4.51 | $73 |
| Nationwide | 4.46 | $78 |
| Coverdash | 4.45 | $74 |
| biBERK | 4.44 | $75 |
| Progressive Commercial | 4.41 | $71 |
| Hiscox | 4.38 | $73 |
| Chubb | 4.27 | $84 |
| Thimble | 4.25 | $72 |
How Did We Determine the Best Professional Liability Insurance in Idaho?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
LEARN MORE ABOUT BUSINESS INSURANCE IN IDAHO
Professional liability insurance in Idaho covers one aspect of business protection, but you'll need additional coverage types to fully protect your company:
1. ERGO NEXT: Best Professional Liability Insurance in ID
pros
Lowest professional liability rates in Idaho
Ranks first nationally for customer service
Top-rated digital experience with instant coverage
Coverage in 10 minutes with instant certificates
cons
Less than 10 years in business
Digital-only model without local agents
Claims process ranks fourth nationally
COMPANY HIGHLIGHTS
Idaho small business owners find ERGO NEXT to be the best overall professional liability insurer with the lowest rates, top-rated customer experience and user-friendly digital tools. ERGO NEXT averages $67 monthly for professional liability coverage, saving Idaho professionals $6 compared to the state average.
Business owners value getting coverage in 10 minutes through the online platform with instant certificates available 24/7 through the mobile app. A Boise consultant or Twin Falls accountant can secure E&O coverage during lunch and immediately send proof to clients. ERGO NEXT's A+ (Superior) AM Best rating, backed by Munich Re's financial strength, provides Idaho entrepreneurs confidence in long-term claims support.
2. Simply Business: Best Professional Liability Insurance Coverage Option in ID
pros
Ranks first for coverage options, with 16+ carriers
Backed by Travelers' A++ Superior financial rating
Get multiple quotes in 10 minutes online
Broker model finds specialized professional liability coverage
cons
Higher rates than competitors
Ranks eighth for claims processing
Ranks seventh for customer satisfaction
COMPANY HIGHLIGHTS
Idaho business owners benefit from Simply Business's broker model for professional liability insurance through access to 16+ specialized carriers offering unique coverage options. Simply Business averages $73 monthly for professional liability coverage in Idaho.
The broker platform lets a Boise IT consultant or Nampa accountant compare quotes from top carriers like Travelers, CNA and Hiscox in one place within 10 minutes. Simply Business's strength lies in finding specialized E&O policies and matching hard-to-insure businesses with appropriate carriers, backed by Travelers' A++ (Superior) AM Best rating for financial stability.
Average Cost of Professional Liability Insurance in Idaho
Professional liability insurance costs in Idaho vary by industry. Home-based businesses pay the most affordable rates at around $36 per month, while mortgage brokers face the highest costs at approximately $155 per month. You can find rates for your business type using the industry filter tool below.
Data filtered by:
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| Accountants | $140 | $1,682 |
| Ad Agency | $95 | $1,136 |
| Auto Repair | $77 | $920 |
| Automotive | $71 | $850 |
| Bakery | $50 | $602 |
| Barber | $40 | $483 |
| Beauty Salon | $46 | $552 |
| Bounce House | $56 | $672 |
| Candle | $40 | $482 |
| Cannabis | $117 | $1,406 |
| Catering | $75 | $904 |
| Cleaning | $51 | $614 |
| Coffee Shop | $58 | $700 |
| Computer Programming | $100 | $1,195 |
| Computer Repair | $60 | $715 |
| Construction | $73 | $875 |
| Consulting | $103 | $1,233 |
| Contractor | $60 | $719 |
| Courier | $48 | $570 |
| DJ | $42 | $506 |
| Daycare | $101 | $1,207 |
| Dental | $79 | $949 |
| Dog Grooming | $52 | $624 |
| Drone | $101 | $1,206 |
| Ecommerce | $57 | $685 |
| Electrical | $61 | $727 |
| Engineering | $99 | $1,194 |
| Excavation | $64 | $772 |
| Florist | $36 | $435 |
| Food | $103 | $1,239 |
| Food Truck | $56 | $669 |
| Funeral Home | $78 | $935 |
| Gardening | $38 | $457 |
| HVAC | $75 | $903 |
| Handyman | $52 | $625 |
| Home-based business | $36 | $427 |
| Hospitality | $69 | $826 |
| Janitorial | $47 | $564 |
| Jewelry | $57 | $687 |
| Junk Removal | $62 | $749 |
| Lawn/Landscaping | $50 | $596 |
| Lawyers | $139 | $1,662 |
| Manufacturing | $57 | $680 |
| Marine | $82 | $981 |
| Massage | $101 | $1,212 |
| Mortgage Broker | $155 | $1,865 |
| Moving | $78 | $932 |
| Nonprofit | $48 | $576 |
| Painting | $60 | $715 |
| Party Rental | $51 | $617 |
| Personal Training | $66 | $791 |
| Pest Control | $91 | $1,093 |
| Pet | $43 | $516 |
| Pharmacy | $54 | $643 |
| Photography | $61 | $732 |
| Physical Therapy | $90 | $1,076 |
| Plumbing | $86 | $1,030 |
| Pressure Washing | $54 | $647 |
| Real Estate | $120 | $1,440 |
| Restaurant | $78 | $936 |
| Retail | $52 | $620 |
| Roofing | $92 | $1,109 |
| Security | $94 | $1,129 |
| Snack Bars | $45 | $539 |
| Software | $90 | $1,081 |
| Spa/Wellness | $104 | $1,251 |
| Speech Therapist | $94 | $1,125 |
| Startup | $68 | $813 |
| Tech/IT | $93 | $1,121 |
| Transportation | $90 | $1,074 |
| Travel | $91 | $1,094 |
| Tree Service | $71 | $851 |
| Trucking | $105 | $1,258 |
| Tutoring | $58 | $695 |
| Veterinary | $111 | $1,337 |
| Wedding Planning | $71 | $854 |
| Welding | $72 | $868 |
| Wholesale | $58 | $692 |
| Window Cleaning | $58 | $698 |
How Did We Determine These Idaho Professional Liability Insurance Rates?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
What Does Idaho Professional Liability Insurance Cover?
Professional liability insurance in Idaho protects your business when clients claim you made mistakes or failed to deliver promised services. Professional liability insurance covers the costs of these claims and any legal fees that come with defending yourself.
You might see this coverage called by different names:
- Errors and omissions insurance (E&O)
- Malpractice insurance (specialized type, typically in legal and medical fields)
- Professional indemnity insurance
How Much Professional Liability Insurance Do I Need in Idaho?
Professional liability insurance isn't required for most Idaho businesses. Standard coverage provides $1 million per occurrence and $2 million aggregate per year to satisfy contract requirements and client expectations. Idaho mandates coverage for attorneys representing private clients at minimum limits of $100,000 per occurrence and $300,000 aggregate under state bar commission rules. Health care providers have no statewide requirement, but hospitals require coverage for admitting privileges.
Who Needs Professional Liability Insurance in Idaho?
Professional liability insurance matters for Idaho businesses handling client contracts or facing professional negligence risks. Consultants, licensed professionals and contractors across the state should evaluate coverage to protect against liability claims.
Tech Professionals
Boise's technology sector, anchored by Micron Technology and numerous software companies, creates substantial E&O exposure for IT consultants and developers. Tech E&O insurance protects Idaho technology professionals from data breach claims, software errors and missed project deadlines that can result in six-figure lawsuits.
Real Estate Professionals
Idaho Real Estate Commission rules require active errors and omissions insurance for real estate agents and brokers before license activation. Coverage protects against claims stemming from disclosure failures, contract errors or misrepresentation allegations common in Idaho's competitive housing market.
Attorneys
Idaho stands as one of only two states mandating attorney malpractice insurance, requiring lawyers representing private clients to maintain minimum coverage of $100,000 per occurrence and $300,000 aggregate under state bar commission rules. This requirement reflects Idaho's commitment to protecting clients from legal malpractice claims and missed court deadlines.
Construction Contractors
Idaho requires contractor registration for projects exceeding $2,000, and professional liability insurance protects against design errors, project delays and workmanship disputes. Claims often involve structural issues, cost overruns or failure to meet building code requirements enforced by local jurisdictions.
Health Care Professionals
Although Idaho has no statewide malpractice insurance requirement, hospitals mandate coverage for admitting privileges, and the state's medical malpractice prelitigation screening process under the Idaho Board of Medicine increases claim complexity. Physicians, nurses and allied health professionals face exposure from misdiagnosis claims, treatment errors and inadequate informed consent documentation.
Accountants
Accountants' professional liability insurance protects Idaho CPAs and bookkeepers licensed through the Board of Accountancy from audit errors, tax preparation mistakes and financial reporting errors. Idaho accounting professionals face growing liability exposure from client financial losses due to tax filing errors and business advisory claims.
How to Get the Best Professional Liability Insurance in Idaho
Getting business insurance in Idaho requires understanding your specific coverage needs and comparing options from multiple providers. Our step-by-step guide helps Idaho businesses secure professional liability insurance that matches their budget and risk profile.
- 1Assess your professional liability insurance coverage needs
Evaluate your business risks, client contract requirements and Idaho's industry-specific exposures in your region. A Boise software developer working with Micron Technology suppliers needs different coverage limits than a Twin Falls agricultural consultant advising potato growers and cattle ranchers.
- 2Work with a local agent
Find an agent who understands Idaho's diverse business landscape and how business insurance costs vary between urban tech hubs and rural communities. Local agents explain whether your Coeur d'Alene tourism consulting practice has different liability risks than similar businesses operating in Boise's competitive technology and semiconductor sectors.
- 3Get quotes and compare coverage details
Request quotes from at least three insurers, comparing both affordable business insurance rates and policy terms like exclusions and deductibles. An Idaho Falls nuclear engineering consultant at the Idaho National Laboratory should examine coverage differences for high-risk projects, not just premium costs, when evaluating $1 million liability policies.
- 4Research the best providers
Look beyond price to find insurers with strong financial ratings, efficient claims handling and experience serving Idaho's mix of technology, agriculture and professional service businesses. Check AM Best ratings and read reviews from other Idaho professionals in your field to verify the insurer understands state-specific risks.
- 5Consider bundling discounts
Many Idaho insurers offer better premiums when you combine professional liability with other types of business insurance like general liability or business owner policies tailored to Idaho businesses. A Nampa accounting firm serving Idaho's food processing industry can save 15% by bundling professional and general liability coverage.
- 6Don't let your coverage lapse
Professional liability policies protect you from lawsuits filed while your policy is active, even if the work happened years ago. A Pocatello health care consultant switching carriers should ensure their new policy covers prior acts or purchase tail coverage (extended reporting coverage) from their old insurer to maintain continuous protection.
Get Idaho Professional Liability Insurance Quotes
MoneyGeek connects Idaho professionals with top liability insurance providers for your industry. Use our matching tool below to identify your best company options and receive tailored quotes for your business.
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Idaho Professional Liability: Bottom Line
Finding the right professional liability insurance in Idaho comes down to understanding your business risks and working with the right provider. ERGO NEXT earns our top rating, but your industry, client contracts and budget guide your final decision. Start by assessing your needs, then let a local agent help you compare options and secure coverage that financially protects your Idaho business.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.