Idaho commercial insurance rate filings (2026)
Every commercial-insurance carrier writing business in Idaho files its loss costs and rating values with the state's insurance regulator — the primary-source records that drive every commercial quote in Idaho. This page summarizes the 1 active filings we track for Idaho across 1 line(s) of business and 1 classification(s).
How Workers' Comp rates are set in Idaho
Idaho runs a private + state fund Workers' Comp market. Rate filings are reviewed by the Idaho Department of Insurance. The governing authority is Idaho Code Title 41 (Insurance). You can confirm any Idaho carrier or agent is licensed with the state's license-lookup tool. We track 1 distinct classification(s) for Idaho across 1 active filing(s). Workers' Comp loss costs are filed by NCCI in most states or by an independent state rating bureau; your actual premium is that filed loss cost multiplied by your carrier's loss-cost multiplier (LCM), your experience modifier, and your payroll divided by $100 — so two Idaho businesses in the same classification can pay very different rates. Comparing quotes from multiple carriers is the only way to see how those multipliers differ for your specific operation.
The lines we track are Workers Compensation. The most-recent Idaho filing we track is effective January 2026. Every row below links to the filing it was taken from so the Idaho regulator record can be verified.
Workers' Compensation covers medical bills and lost wages for Idaho employees injured on the job — mandatory in Idaho once you have staff.
In Idaho, Workers Compensation carriers earned about $518M in premiums at a 57.4% loss ratio and a 7.9% underwriting profit (NAIC 2023). In Idaho, Commercial General Liability carriers earned about $396M in premiums at a 51.2% loss ratio and a 12.2% underwriting profit (NAIC 2023). In Idaho, Commercial Multiple Peril carriers earned about $335M in premiums at a 58.4% loss ratio and a -1% underwriting profit (NAIC 2023). In Idaho, Commercial Auto carriers earned about $222M in premiums at a 60.9% loss ratio and a 5.3% underwriting profit (NAIC 2023). In Idaho, Inland Marine carriers earned about $185M in premiums at a 40.5% loss ratio and a 26.7% underwriting profit (NAIC 2023). In Idaho, Commercial Property carriers earned about $90M in premiums at a 83.6% loss ratio and a -11.3% underwriting profit (NAIC 2023). In Idaho, Medical Professional Liability carriers earned about $44M in premiums at a 149.6% loss ratio and a -117.6% underwriting profit (NAIC 2023). In Idaho, Product Liability carriers earned about $24M in premiums at a 49.3% loss ratio and a -9.9% underwriting profit (NAIC 2023). These market-level results come from the NAIC Report on Profitability by Line by State — a primary-source view of how each commercial line actually performs in Idaho, beyond the filed loss costs above.
- Idaho rate filings are public, primary-source records; every figure here traces to a public rate filing on record with a state regulator or rating bureau.
- Your actual Idaho premium depends on your class code, carrier loss-cost multiplier, experience modifier, and payroll — the filed loss cost is only the starting point.
Recent rate-filing activity — 1 state filings across 1 commercial line
Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting commercial operations, each cited to the regulator or bureau filing it came from.
| Line | State | Overall change | Effective | Filing |
|---|---|---|---|---|
| WC | ID | Overall -2.5% voluntary loss cost decrease (approved) | Jan 1, 2026 | SERFF #NCCI-134680428 |
Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.
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Who writes commercial coverage in Idaho
64 carrier groups have an active filing footprint across 201 lines of insurance in Idaho (27,939 filings observed in the state's public SERFF record). Most active by volume: Hartford, Liberty Mutual, Nationwide, AmTrust, Berkley, Zurich.
This is carrier appetite / market presence from public SERFF filing activity — a signal of who competes here, not a price or a rate — data the comparison sites cannot legally publish. Your premium depends on your class code, payroll, experience mod, and each carrier's rating.
Compare Idaho carriers →Get a real Idaho quote
Bureau-filed loss-cost changes are the regulator-approved starting point — actual premium depends on your class code, payroll, experience modifier, schedule credits/debits, and the carrier's LCM. Request a free Idaho quote in under 90 seconds.
Get a free Idaho quote →Related Idaho cost pages
Idaho-specific cost guides for the verticals we cover:
Idaho insurance profitability by line (2023 NAIC)
How profitable each commercial line runs in Idaho — loss ratio (incurred losses ÷ premiums earned); lower is more profitable for carriers:
Source: NAIC 2023 Report on Profitability by Line by State · compare every line & state →