Calculate your workers' compensation costs in Idaho. Compare direct carrier vs PEO rates by industry. All calculations use real NCCI class code data and Idaho regulatory filings.
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Get a detailed workers' comp report with your specific numbers — prepared by a BENEFITRA advisor who specializes in Idaho employers.
Disclaimer: This calculator provides estimates for educational purposes. Actual premiums depend on your specific underwriting, claims history, and carrier selection. Data sources: NCCI, Idaho Industrial Commission, NAPEO, BLS. Calibrated to 2026 market conditions.
In Idaho, workers' comp is sold on the competitive private market, with rates built on loss costs filed by NCCI, the national rating bureau most states use. Carriers then apply their own multipliers on top, so comparing carriers genuinely matters for your premium.
For roofing and construction employers, the class code drives the rate more than anything else: roofing carries some of the highest workers' comp rates of any trade because of fall exposure. Wherever you operate, the experience modification rate is the biggest lever you control, and a cleaner claims history compounds into lower premiums year over year.
Idaho workers' comp at a glance:
Official source: NCCI, the national rating bureau most states use.
Model your own numbers with the EMR Scenario Modeler, then see how lower comp cost frees budget for benefits in the Benefits ROI Calculator.
Rates are built on loss costs filed by NCCI, the national rating bureau most states use, with each carrier applying its own multiplier, which is why premiums vary between carriers.
Most Idaho employers are required to carry workers' comp, though small-employer thresholds vary by state. Confirm the exact requirement for your business with your state workers' comp agency.
Reviewed by Sam Newland, CFP, Founder of Benefitra. Last updated June 2026.