A true independent contractor generally carries their own insurance. The label alone does not decide status. The working relationship does. Idaho employers face penalties for misclassification, so collect proof of coverage before subcontracted work begins.
FAQ_category: (HIDDEN) Industry FAQs
Yes, in most cases. An LLC can still be sued, lose property, employ workers, and sign contracts that require insurance. The entity structure may separate some personal and business liabilities. It does not pay covered claims or replace business insurance.
Yes. Registered Idaho contractors must show proof of general liability insurance with at least a $300,000 single limit. The policy must include products and completed operations coverage. Customer contracts often require higher limits and additional insured endorsements.
General liability covers third-party bodily injury, third-party property damage, personal and advertising injury, and products and completed operations claims. It also pays legal defense for covered allegations. It does not replace professional liability, workers’ compensation, commercial auto, or property insurance.
Describe your operations, revenue, payroll, locations, employees, subcontractors, claims history, and requested limits accurately. Share lease, client, or certificate requirements at the start. That lets the quote be structured around the coverage your business actually needs instead of a generic package.