Workmen’s Comp In Idaho
Your small business in Boise, ID is probably already protected by at least a couple of different kinds of insurance, like commercial property insurance and general liability. If you got your coverage through Fuhriman Insurance Agency, you hopefully spoke to your agent about any other kinds of protection your business might need.
One kind of policy many people don’t realize they need if they own a business with just a few employees is workmen’s compensation insurance. In Idaho, any business with at least one or more employees is required to have workmen’s comp insurance. This rule applies whether the workers are full-time or part-time, and there are very few exceptions.
Exceptions to the Workmen’s Comp Rule
Some of the exceptions have to do with whether your business is a sole proprietorship or partnership, or if your employees are family. Household domestic workers may also be excluded.
Other exceptions include any workers you have who are already covered under federal workmen’s comp laws, real estate brokers, and agricultural pilots. Volunteer ski patrollers won’t need to be covered, or anyone who works casually in a position which isn’t really associated with regular business activities.
How Workmen’s Comp Helps Your Business
Your employees are doubtless the greatest asset of your Boise, ID business. Carrying workmen’s compensation insurance means that if one of them gets sick or hurt at work, they can receive the treatment they need without worrying about the cost. They can relax knowing that if there is an accident, their medical bills and even lost wages can be compensated.
If you need to protect the employees at your small business, call Fuhriman Insurance Agency today so we can find a policy that suits your needs.