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Idaho Crime Insurance Guide

If your Idaho business lets employees or contractors endorse, prepare, or process checks, map that authority before choosing crime limits: Idaho law includes retained contractors in a rule about certain fraudulent indorsements. The state also requires prompt review of bank statements for unauthorized signatures or alterations and sets a one-year outside limit for raising those issues with a bank. Those banking rules do not determine policy coverage, so compare check-related and electronic-transfer terms separately. 1,2

What Is Crime?

Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. Read the national Crime guide.

What to Watch for in Idaho

  • Count outsourced check handling in your exposure review

    Idaho Code § 28-3-405 includes a retained independent contractor and an employee of that contractor in its definition of employee for the section. The statute focuses on responsibility with an instrument, such as processing deposits or preparing checks, not mere access to stored check forms. Ask how the policy defines employee and whether your bookkeeping or payroll arrangement changes the quoted terms. 1

  • Assign someone to examine statements promptly

    Under Idaho Code § 28-4-406, a customer must act with reasonable promptness to examine paid items and promptly notify the bank after discovering an unauthorized signature or alteration. The statute also sets a one-year limit for reporting such items to the bank, regardless of care. Set a named owner and regular reconciliation schedule; this bank-rights deadline is separate from notice requirements in an insurance policy. 2

  • Ask separately about a wire sent after deception

    A spoofed vendor email may lead an employee to authorize a real transfer to the wrong recipient. The FBI describes this as business-email compromise and urges immediate contact with both financial institutions through the originating bank. Ask whether the quote covers that scenario under social-engineering or funds-transfer language; do not assume a check-forgery clause answers it. 3

Who Regulates Insurance in Idaho

Idaho Department of Insurance

The Idaho Department of Insurance administers insurance laws and regulates insurers and licensed producers. It directs users to the NAIC State Based Systems lookup for producer and company licensing records and accepts consumer complaints. 4,8,5

Surplus-lines tax and stamping office

Reported tax rate: 1.5% of premium when Idaho is the home state for property and casualty coverage Idaho’s surplus-lines tax is 1.5%. For property-and-casualty insurance other than workers’ compensation, if Idaho is the insured’s home state the full premium is taxed regardless of where covered risks are located; other lines follow the statutory allocation rule. Surplus-lines policies do not receive Idaho guaranty-association protection. 6,7,9

Providers With Documented State Licenses

These providers publish a national listing for Crime; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Idaho. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • CoalitionCoalition Insurance Solutions, Inc.Insurance producer, Surplus-lines broker · checked 2026-09-28Coalition’s license page lists producer and surplus-lines licenses for Coalition Insurance Solutions, Inc. in all 50 states and the District of Columbia. The page separately lists insurers; this record covers the brokerage entity only. 11
  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. 12
  • VouchVouch Specialty Insurance Services, LLCInsurance producer · checked 2026-09-28Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability. 16

Questions to Ask Before You Buy in Idaho

  1. Which employees, independent contractors, and third-party processors count under the policy’s employee-dishonesty definition?
  2. Does the quote cover both unauthorized checks and a payment your employee authorized after a spoofed invoice? What sublimits and verification conditions apply?
  3. Who reconciles each bank account, how quickly are statements reviewed, and who contacts the bank if an unauthorized check appears?
  4. What policy-specific claim-notice deadline applies in addition to Idaho’s bank-account rules?

Crime in Idaho: FAQ

Does Idaho’s one-year bank rule give a business one year to notify its crime insurer? 2

No. Idaho Code § 28-4-406 addresses claims against a bank for unauthorized signatures or alterations. Check the policy for its separate notice requirements and report a suspected loss promptly. 2

Are independent contractors relevant to Idaho’s employee-check rule? 1

Yes. Section 28-3-405 includes a retained independent contractor in its employee definition for that section’s rule on fraudulent indorsements. It does not establish that a particular insurance policy covers a contractor’s conduct. 1

Crime in Other States

Other Coverage in Idaho

Sources

  1. Idaho Code § 28-3-405: Employer’s Responsibility for Fraudulent Indorsement by Employee. Idaho State Legislature; Title 28, Chapter 3, Part 4, § 28-3-405(1)–(3); statute page states Idaho Code is updated after the legislative session. Accessed 2026-09-28.
  2. Idaho Code § 28-4-406: Customer’s Duty to Discover and Report Unauthorized Signature or Alteration. Idaho State Legislature; Title 28, Chapter 4, Part 4, § 28-4-406(3)–(6), including prompt review, repeated-wrongdoer rule, and one-year limit. Accessed 2026-09-28.
  3. Business Email Compromise. Federal Bureau of Investigation; How BEC scams work; Report BEC. Accessed 2026-09-28.
  4. Idaho Department of Insurance. Idaho Department of Insurance; Official regulator homepage and consumer resources. Accessed 2026-09-28.
  5. Consumers. Idaho Department of Insurance; Official consumer service bureau page with File a Complaint links and published phone. Accessed 2026-09-28.
  6. Idaho Insurance Laws and Regulations. Idaho Department of Insurance; 2026 publication: Idaho Code § 41-1204, 1.5% premium tax and home-state allocation rule. Accessed 2026-09-28.
  7. Surplus Lines. Idaho Department of Insurance; Idaho surplus-lines broker requirement and Idaho SLA membership. Accessed 2026-09-28.
  8. Request Public Records. Idaho Department of Insurance; Department states that producer and insurer licensing records are maintained by State Based Systems and links to individual SBS Lookup Search. Accessed 2026-09-28.
  9. Surplus Lines: Facts to Know. Idaho Department of Insurance; Department publication says there is no state guaranty-association coverage for surplus-lines insurance if the company becomes insolvent. Accessed 2026-09-28.
  10. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  11. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
  12. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
  13. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
  14. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  15. Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
  16. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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