Business Insurance
Workers' Compensation Insurance That Protects Your People
Idaho law requires most employers to carry workers' comp, and Bittick helps Treasure Valley businesses find the right coverage without overpaying.
Workers' compensation insurance pays for an employee's medical care, rehabilitation costs, and a portion of lost wages when they are injured or become ill because of their job. In Idaho, virtually every business with one or more employees is required to carry it. Failing to do so exposes you to stop-work orders, fines, and direct liability for the full cost of any claim out of pocket. Beyond the legal requirement, it also protects the employer from most personal-injury lawsuits an injured worker might otherwise file.
Bittick places workers' comp with multiple carriers across our licensed states, CA, CO, ID, NV, OR, TX, VA, and WA, so we can match your class codes, payroll structure, and loss history to the market that prices your risk fairly.
Prevent injuries before they happen and manage claims when they do.
Your workers' compensation program is only as strong as your loss prevention practices and claims management. We help you build both.
What this coverage includes
Medical bills and treatment costs
When a worker gets hurt on the job, workers' comp pays the medical bills directly related to that injury, including emergency care, surgery, prescriptions, physical therapy, and follow-up appointments. There is no deductible the employee has to meet first. In Idaho, the worker selects a provider from the employer's posted panel of physicians. Getting this detail right from day one avoids disputes about which bills the policy owes.
Lost-wage replacement
If an injury keeps an employee off the job for more than five days in Idaho, workers' comp steps in to replace a portion of their wages, typically 67 percent of the average weekly wage up to a state-set maximum. Payments continue through the recovery period, and a separate permanent-disability benefit applies if the injury leaves lasting impairment. This keeps your employee financially stable while they heal, which helps them actually come back.
Employer's liability coverage
Standard workers' comp policies in Idaho include an employer's liability section, sometimes called Part Two. If an employee or a family member files a civil lawsuit over a workplace injury, this part of the policy covers your legal defense costs and any judgment up to the policy limit. It is the layer between a compensable injury claim and a much more expensive courtroom fight.
Death benefits and funeral expenses
If a workplace fatality occurs, the policy pays a death benefit to the worker's dependents and contributes toward funeral costs. In Idaho, the death benefit is calculated as a percentage of the deceased worker's wage, paid to qualifying dependents for a defined period. It does not make a family whole, but it provides immediate financial support at the worst possible time.
Occupational illness claims
Not every workers' comp claim starts with a single accident. A roofer in the Treasure Valley who develops heat exhaustion over a long summer, a landscaper exposed to herbicide runoff, or a shop worker with repetitive-stress damage in their wrists can all file occupational illness claims. Workers' comp covers conditions that develop over time because of job duties, not just sudden injuries.
Pairs well with
General Liability Insurance
Workers' comp covers your employees; general liability covers third parties, customers, vendors, or bystanders who are injured or whose property is damaged because of your business operations. Most lenders and general contractors require both.
Learn more ›Business Owners Policy (BOP)
A BOP bundles general liability and commercial property into one policy. For many small businesses, pairing a BOP with a standalone workers' comp policy is the most efficient way to get broad protection without duplicating coverage.
Learn more ›Commercial Auto Insurance
If an employee is injured in a vehicle accident while driving for work, workers' comp covers the bodily injury side, but a separate commercial auto policy covers vehicle damage and third-party liability. You need both if employees drive for business.
Learn more ›Employers Practice Liability Insurance (EPLI)
Workers' comp does not cover employment disputes such as wrongful termination, discrimination, or harassment claims. EPLI fills that gap and is worth considering once you have a payroll of any meaningful size.
Umbrella / Excess Liability Insurance
A severe employer's liability judgment can exceed the limits on a standard workers' comp policy. A commercial umbrella adds a higher layer of protection over your underlying liability limits across multiple policies.
Learn more ›