--- title: "Idaho Public Works Contractor Bonds" description: "Idaho contractors and subcontractors should distinguish the project-wide public-works license from the contract bond required by the public owner." canonical: "https://spot.insure/coverage/surety-bonds/idaho" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/surety-bonds/idaho) # Idaho Public Works Contractor Bonds For a publicly funded Idaho project whose total estimated cost is at least $50,000, the DOPL licensing program requires a Public Works Contractor license and Idaho Code §54-1926 requires performance and payment bonds before the covered public contract is executed. The public body sets each penal sum, but each must be at least 85% of contract price.[^1][^2] **Coverage:** [Surety bonds](/coverage/surety-bonds) · [Idaho](/coverage/states/idaho) ## What Is Surety Bonds? A surety bond guarantees that your business meets a specific obligation to a customer, contracting party or government agency. If a contract, license or permit requires one, get its exact form and amount; a bond is not insurance for your own losses. [Read the national Surety bonds guide](/coverage/surety-bonds). ## Idaho Requirements | Requirement | Details | | --- | --- | | Project bond threshold | Before a public contract of $50,000 or more to construct, alter, or repair a public building, public works, or public improvement is executed, the contractor furnishes performance and payment bonds.[^1][^2] | | Minimum penal sums | The public body fixes each bond amount, but Idaho Code §54-1926 sets a minimum of 85% of the contract for both performance and payment bonds.[^1] | | License class and bid ceiling | DOPL assigns a license type for the work and a class based on financial and completed-project factors; the class determines the maximum project amount that may be bid.[^2] | ## What to Watch for in Idaho ### Use the whole-project estimate DOPL describes the licensing trigger by the estimated cost of the entire publicly funded project, not merely one contractor’s bid package. Public funding and project scope therefore matter before estimating the bond requirement.[^2][^1] ### Public and private work diverge The DOPL FAQ says private residential and commercial work does not require a Public Works Contractor license; its rule applies to work involving public funding and an authorized public awarding body. Do not apply the public-works threshold to an ordinary private job.[^2] ### Confirm the obligee and claimant group The performance bond protects the public body; the payment bond solely benefits labor, material, equipment, and rental providers. A private customer’s requested bond is a separate contract question.[^1] ## 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.[^3][^7][^4] - [Regulator website](https://doi.idaho.gov/) - [License lookup](https://sbs.naic.org/solar-external-lookup/lookup) - [File a complaint](https://doi.idaho.gov/consumers/) - Phone: (208) 334-4250 ### 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.[^5][^6][^8] ## Providers With Documented State Licenses These providers publish a national listing for Surety bonds; 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 that the product is available in Idaho; [check the regulator’s license lookup](https://sbs.naic.org/solar-external-lookup/lookup) and confirm state availability for your business when requesting a quote. - [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** TechInsurance’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.[^14] ## Questions to Ask Before You Buy in Idaho 1. Which solicitation, statute, and project category does the obligee say governs this contract? 2. What bond form, penal sum, obligee name, effective date, and filing deadline must the surety meet? 3. What indemnity, collateral, or personal guarantee would the surety require from the principal, and how could a claim affect the business? ## Surety Bonds in Idaho: FAQ ### Can a smaller project still require security? Yes. The public body may set a bond amount in contracts below $50,000, and the licensing statute allows alternative government obligations in lieu of a commercial surety in specified circumstances. Check the contract and awarding body.[^1] ### Does a bond increase my license bid limit? No. DOPL says license class determines the amount a contractor may bid; bonding the obligation does not itself change the class ceiling.[^2] ## Surety Bonds in Other States - [Alabama](/coverage/surety-bonds/alabama) - [Alaska](/coverage/surety-bonds/alaska) - [Arizona](/coverage/surety-bonds/arizona) - [Arkansas](/coverage/surety-bonds/arkansas) - [California](/coverage/surety-bonds/california) - [Colorado](/coverage/surety-bonds/colorado) - [Connecticut](/coverage/surety-bonds/connecticut) - [Delaware](/coverage/surety-bonds/delaware) - [District of Columbia](/coverage/surety-bonds/district-of-columbia) - [Florida](/coverage/surety-bonds/florida) - [Georgia](/coverage/surety-bonds/georgia) - [Hawaii](/coverage/surety-bonds/hawaii) - [Illinois](/coverage/surety-bonds/illinois) - [Indiana](/coverage/surety-bonds/indiana) - [Iowa](/coverage/surety-bonds/iowa) - [Kansas](/coverage/surety-bonds/kansas) - [Kentucky](/coverage/surety-bonds/kentucky) - [Louisiana](/coverage/surety-bonds/louisiana) - [Maine](/coverage/surety-bonds/maine) - [Maryland](/coverage/surety-bonds/maryland) - [Massachusetts](/coverage/surety-bonds/massachusetts) - [Michigan](/coverage/surety-bonds/michigan) - [Minnesota](/coverage/surety-bonds/minnesota) - [Mississippi](/coverage/surety-bonds/mississippi) - [Missouri](/coverage/surety-bonds/missouri) - [Montana](/coverage/surety-bonds/montana) - [Nebraska](/coverage/surety-bonds/nebraska) - [Nevada](/coverage/surety-bonds/nevada) - [New Hampshire](/coverage/surety-bonds/new-hampshire) - [New Jersey](/coverage/surety-bonds/new-jersey) - [New Mexico](/coverage/surety-bonds/new-mexico) - [New York](/coverage/surety-bonds/new-york) - [North Carolina](/coverage/surety-bonds/north-carolina) - [North Dakota](/coverage/surety-bonds/north-dakota) - [Ohio](/coverage/surety-bonds/ohio) - [Oklahoma](/coverage/surety-bonds/oklahoma) - [Oregon](/coverage/surety-bonds/oregon) - [Pennsylvania](/coverage/surety-bonds/pennsylvania) - [Rhode Island](/coverage/surety-bonds/rhode-island) - [South Carolina](/coverage/surety-bonds/south-carolina) - [South Dakota](/coverage/surety-bonds/south-dakota) - [Tennessee](/coverage/surety-bonds/tennessee) - [Texas](/coverage/surety-bonds/texas) - [Utah](/coverage/surety-bonds/utah) - [Vermont](/coverage/surety-bonds/vermont) - [Virginia](/coverage/surety-bonds/virginia) - [Washington](/coverage/surety-bonds/washington) - [West Virginia](/coverage/surety-bonds/west-virginia) - [Wisconsin](/coverage/surety-bonds/wisconsin) - [Wyoming](/coverage/surety-bonds/wyoming) [Other Coverage in Idaho](/coverage/states/idaho) ## Sources [^1]: [Idaho Code §54-1926, Bonds on public works construction](https://legislature.idaho.gov/statutesrules/idstat/Title54/T54CH19/SECT54-1926/) — Idaho Legislature; Subsections (1)–(6); current page says statutes update July 1 following each legislative session; amendment history through 2017. Accessed 2026-09-28. [^2]: [Public Works Contractors FAQs](https://dopl.idaho.gov/pwc/pwc-faqs/) — Idaho Division of Occupational and Professional Licenses; Public Works Contractors, questions on public-funding/whole-project $50,000 trigger, type/class bid ceilings, page last updated February 26, 2026. Accessed 2026-09-28. [^3]: [Idaho Department of Insurance](https://doi.idaho.gov/) — Idaho Department of Insurance; Official regulator homepage and consumer resources. Accessed 2026-09-28. [^4]: [Consumers](https://doi.idaho.gov/consumers/) — Idaho Department of Insurance; Official consumer service bureau page with File a Complaint links and published phone. Accessed 2026-09-28. [^5]: [Idaho Insurance Laws and Regulations](https://doi.idaho.gov/wp-content/uploads/ID/2026.pdf) — Idaho Department of Insurance; 2026 publication: Idaho Code § 41-1204, 1.5% premium tax and home-state allocation rule. Accessed 2026-09-28. [^6]: [Surplus Lines](https://doi.idaho.gov/industry/licensing-services/license-types/surplus-lines/) — Idaho Department of Insurance; Idaho surplus-lines broker requirement and Idaho SLA membership. Accessed 2026-09-28. [^7]: [Request Public Records](https://doi.idaho.gov/information/public/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. [^8]: [Surplus Lines: Facts to Know](https://doi.idaho.gov/wp-content/uploads/NewsReleases/Infographics/surplus-lines_V2.pdf) — 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. [^9]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^10]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — 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. [^11]: [Insurance Producer Licenses](https://www.corgi.insure/broker-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. [^12]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-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. [^13]: [Licenses](https://www.nextinsurance.com/insurance-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. [^14]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — 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. [^15]: [Licenses](https://www.vouch.us/legal/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 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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