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General Liability Insurance in Idaho

For Idaho claims within I.C. §6-801, a claimant’s recovery is reduced by their fault and barred when their fault is at least as great as the comparison party’s; the statute is limited to negligence, gross negligence, or comparative-responsibility claims for personal or property injury. The state’s two-year injury-to-person period does not automatically govern property or fraud claims. 1,2,3

What Is General Liability?

General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. Read the national General liability guide.

What to Watch for in Idaho

  • Check That §6-801 Fits the Claim

    The Idaho Supreme Court describes §6-801 as applying to actions for negligence, gross negligence, or comparative responsibility causing personal or property injury. It does not create a new claim or defense for unrelated equitable or fraud theories. Ask counsel to classify each pleaded theory before using the fault rule to estimate exposure. 2

  • Reckless Fault Can Be Compared; Intentional Fault Was Not Decided

    The Idaho Supreme Court held reckless or willful-and-wanton fault can be compared with ordinary negligence under §6-801, but expressly did not decide intentional conduct. Keep those categories separate when discussing a claim with alleged aggravated conduct. 1

  • Do Not Apply the Two-Year Period to Every Claim

    The court reads I.C. §5-219(4) as a two-year limit for personal-injury claims; it distinguishes constructive fraud and other claim categories. Ask counsel which limitation provision and accrual rule applies, and report incidents under the policy’s separate notice terms. 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 General liability; 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.

  • 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
  • ERGO NEXT InsuranceNext First Insurance Agency, Inc.Insurance producer · checked 2026-09-28ERGO NEXT’s current license table lists Next First Insurance Agency, Inc. in 50 jurisdictions, including Washington, DC; New York is excluded because its table rows name Next Insurance Services and AP Intego, not Next First. The table is company-reported; it does not establish product availability or provide state-regulator verification for each entry. 14
  • HiscoxHiscox Insurance Company Inc.Insurer · checked 2026-09-28Hiscox’s U.S. company information states that Hiscox Insurance Company Inc. is licensed in all 50 states and the District of Columbia. This is company-reported insurer authority for this entity and does not establish which company issues every Hiscox-branded product. 13
  • TechInsuranceSpecialty Program Group LLCInsurance producer · checked 2026-09-28TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. 15
  • 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. Does the pleaded cause fit Idaho Code §6-801’s negligence or comparative-responsibility scope?
  2. Do the facts allege reckless conduct or intentional conduct, and what has the Idaho Supreme Court actually decided about each?
  3. Which limitation rule applies to this injury or property claim, and when did it accrue?

General Liability in Idaho: FAQ

Does Idaho reduce a claimant’s damages for their share of fault? 1,2

Yes, in claims within I.C. §6-801: damages are reduced by claimant fault, and recovery is barred if claimant fault is not less than the comparison party’s. Idaho appellate authority has not decided whether intentional conduct is compared under this provision. 1,2

Is Idaho’s injury-claim deadline always two years? 3

No. Idaho appellate authority applies the two-year period in I.C. §5-219(4) to personal-injury claims but distinguishes property and fraud claims. 3

General Liability in Other States

Other Coverage in Idaho

Sources

  1. Idaho Supreme Court opinion, Docket 45425. Idaho Supreme Court; Analysis of I.C. §6-801; ordinary negligence, gross negligence, reckless/willful-wanton comparison; court expressly did not decide intentional conduct. Accessed 2026-09-28.
  2. Idaho Supreme Court opinion, Docket 51061. Idaho Supreme Court; Holding limiting §6-801 to negligence, gross negligence or comparative-responsibility actions for personal/property injury. Accessed 2026-09-28.
  3. Idaho Supreme Court opinion, Docket 42189. Idaho Supreme Court; Discussion of I.C. §5-219(4): two-year personal-injury period; decision distinguishes fraud and catchall accrual periods. 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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