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CONTRACTOR INSURANCE

Contractor Insurance in Coeur d'Alene & North Idaho

Idaho requires contractors to carry general liability insurance to get licensed. But a GL policy alone doesn't protect your crew, your trucks, or the structures you're building. Whether you're a general contractor running multi-trade projects or a specialty sub handling one scope, we build a package that covers every exposure — from the license bond to the umbrella — so you can bid confidently and work without gaps.

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Contractor Coverage

General LiabilityThird-party bodily injury and property damage on and off the job site
Builders RiskStructures, materials, and fixtures under construction — from ground-up to renovation
Tools & EquipmentInland marine coverage for tools, equipment, and materials on site and in transit
Surety BondsLicense bonds, bid bonds, performance bonds, and payment bonds
Contractor reviewing blueprints at a construction job site in North Idaho
$500K
Idaho GL Minimum
COVERAGE OPTIONS

Complete Contractor Protection

01

Commercial Auto & Fleet

Work trucks, vans, trailers, and equipment haulers — covered on the road, at the job site, and parked at your yard. Includes hired and non-owned auto for when your crew drives their own vehicles on the job.

02

Workers' Compensation

Idaho requires workers' comp for all employees. Covers medical expenses, lost wages, and rehabilitation for on-the-job injuries. We find competitive rates by matching your trades to the right classification codes and carriers.

03

Inland Marine & Equipment

Covers tools, equipment, and building materials in transit between job sites, on the job, and in storage. A standard property policy doesn't cover mobile assets — inland marine fills that critical gap.

04

Umbrella & Excess Liability

Extra liability protection above your GL, auto, and employers liability limits. Essential for contractors working on larger projects where a single claim could exceed your base policy limits.

Insurance agent meeting with a contractor to review coverage options at a construction office
WHY AN INDEPENDENT AGENT

Why Choose Boyd for Contractor Insurance

Contractor insurance isn't one-size-fits-all. A framing crew has different exposures than an electrician, and a GC running $5M in annual projects needs a completely different program than a two-person handyman operation. As an independent brokerage, we compare packages across multiple carriers to find the right combination of coverage, pricing, and flexibility for your specific trade and volume. When you need a certificate at 6 AM for a job that starts at 7, you need a local agent who picks up the phone.

  • Idaho contractor licensing requirements handled — GL minimums and license bonds
  • Same-day certificates of insurance and additional insured endorsements
  • Sub-contractor compliance packages for GCs managing multiple trades
  • Workers' comp with competitive classification rates for construction trades
  • Builders risk policies for ground-up construction and major renovations
GET LICENSED & COVERED

Need Coverage to Get Licensed?

We can get you compliant and covered — often the same day.
GL, bonds, workers' comp, and certificates when you need them.

Contact Us (208) 444-5898
COMMON QUESTIONS

Contractor Insurance FAQ

Common questions from Idaho and Washington contractors about coverage requirements.

What insurance do I need to get a contractor license in Idaho?

Idaho requires a minimum of $500,000 in general liability insurance and a $2,000 surety bond to register as a contractor through the Idaho Contractor's Board. Some municipalities and project owners require higher limits — $1M or $2M per occurrence is common on commercial projects. We make sure your policy meets state requirements and any project-specific endorsements before you apply.

Do subcontractors need their own insurance?

Yes. Most general contractors require subs to carry their own general liability, workers' compensation, and commercial auto before they'll let you on the job site. They'll also need to be listed as an additional insured on your GL policy. We issue additional insured endorsements and certificates quickly so your paperwork doesn't hold up the project schedule.

Does my general liability policy cover my tools and equipment?

No. General liability covers damage you cause to other people's property and injuries to third parties — it doesn't cover your own tools, equipment, or materials. You need an inland marine policy (also called a tools floater or contractor's equipment policy) to cover your gear on the job site, in your truck, or in storage. Standard property policies don't cover mobile equipment either.

What is builders risk insurance and when do I need it?

Builders risk covers structures under construction — the building itself, materials on site, and fixtures being installed — against fire, wind, theft, and vandalism. It's typically required on new construction and major renovation projects. The policy runs from groundbreaking to completion (or occupancy) and is usually purchased by the project owner or general contractor. Coverage is based on the completed value of the project.

How fast can you get me a certificate of insurance?

Same-day certificates are standard — once your policy is bound, we can issue certificates within hours. For additional insured endorsements (which GCs require before you start work), turnaround depends on the carrier, but most are processed within 24 hours. If you have an urgent need, call us directly and we'll prioritize it. We understand that a missing certificate can hold up an entire project.

I'm a new contractor with no claims history — can I still get coverage?

Yes. Many carriers write new contractors, though your options and pricing will be different than an established business with five years of clean history. We work with carriers that specialize in new ventures and can often find competitive rates based on your personal experience in the trade, even if your business is brand new. Having your license bond, GL, and workers' comp in place from day one also builds your insurability for better rates at renewal.

COMMERCIAL INSURANCE

Explore All Commercial Coverage

Protection built for businesses of every size.

Business Property

Protect your commercial buildings, equipment, and inventory from covered losses.

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Contractors

GL, workers' comp, builders risk, and tools coverage for contractors of all trades.

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Restaurant

Specialized coverage for restaurants including liquor liability and food spoilage.

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Commercial Auto

Fleet and commercial vehicle insurance for businesses of all sizes.

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Landlord

Protect your rental properties with coverage designed for landlords and property managers.

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Cybersecurity

Protect your business from data breaches, ransomware, and cyber liability.

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Get a free, no-obligation quote in minutes. We'll shop 50+ carriers to find your best rate.

Contact Us (208) 444-5898