Employer Resource Center
We help make workers' compensation easier to transact and understand.
The Heart of Idaho
As Idaho's preferred provider of workers' compensation insurance, we help organizations of all sizes get more value out of their coverage. From cost-effective premiums to streamlining the claim process and improving worksite safety, we're committed to helping you enhance productivity and reduce claim costs.
Idaho is our Home
SIF has Business Development Executives, Safety Service Consultants, and Audit representatives located across the state. Wherever you are, we can have someone at your office quickly to assist you and answer your questions.
We partner with Optum and Paradigm to provide treatment and better outcomes for injured workers. Optum provides pharmacy benefits with network contracted discounts for thousands of providers across Idaho and nationally.
For catastrophic injuries, Paradigm’s nurse case management services coordinate care at centers of excellence across the United States.
Proactive Claims Management
Our Idaho-resident, in-house claims team coordinates care between injured workers, supervisors, and medical professionals to help control claims costs.
Injured workers receive consistent care and support with the goal of returning to work as soon as medically able.
If you're already working with an insurance agent, reach out to them about submitting an application to SIF for your business. If you don't have an agent, or would like to apply directly, click here to get started with SIF
If you have a policy with SIF, you may register for online access on our Create A Policyholder Account page.
If you aren’t a policyholder yet, get started here.
Our Policyholder Hub provides billing, status, and claims information relevant to your policy. Policyholders may also:
- Pay bills
- Create a Certificate of Insurance
- Obtain contact information for their service team
- View and download claims by policy period, all open claims, compensation paid, loss history and loss experience analysis reports
- View and download payroll reports, mail audits, invoices and policy documents
- Retrieve renewal information. Renewal information is generally available about 30 days prior to policy renewal.
Workers’ compensation covers workers who are not expressly exempt under the provisions of Idaho Code 72 (exemptions may apply). If exempt workers have filed an election to come under the law as provided in Idaho Code 72-213, they also have coverage.
Employees who work outside of Idaho, even on a temporary basis, may require reciprocity agreements and extra-territorial certificates of insurance. For more information, please contact the Idaho Industrial Commission.
Please contact your Agent or Business Development Executive for more information about the difference between independent contractors and subcontractors/workers. You may also view more information on the Idaho Industrial Commission website.
SIF does not offer policies where “no insurable interest” is evident.
Businesses who do not have, and do not anticipate hiring employees, will receive an expedited declination which allows them to apply for a policy with the NCCI Residual Market or other carriers.
Many factors go into deriving the cost of a workers’ compensation policy. Three major elements include:
- Classification Codes. These are based on the overall nature of your business.
- Rates. Rates are determined for Idaho by the National Council on Compensation Insurance (NCCI) and are updated annually.
- Payroll. Payroll and substitutes for payroll are also used to calculate your premium.
Other factors may include:
- Alcohol and drug-free workplace credits
- Experience modification (e-mod)
- Scheduled debits or credits based on the effectiveness of your workplace safety efforts compared to other, similar, workplaces.
- Liability limits for the employer’s liability portion of your policy.
- Waivers of subrogation
- Disease charges for unique exposures (for instance: asbestos abatement, explosive cartridges, etc.).
Your policy will renew automatically unless you notify us in writing 30 days prior to the renewal date. Your policy may not automatically renew if you fail to report or pay in a timely manner, fail to respond timely to SIF’s requests, or if SIF has given you prior notice of non-renewal.
Changes in your business may affect your coverage. Contact your agent or Business Development Executive if any of the following occur:
- Ownership: Changes to the type of entity, persons, shares, officers, etc.
- Contact: Updates to your business mailing address, alternate billing address, phone number or email address.
- Payroll: Significant changes in payroll or your workforce
Contact us if you are unsure what is considered significant for your policy.
- Work Performed: Changes to your business operation or the type of work being performed.
- Adding, moving or closing a business location.
- You purchase or become part-owner in another business.
- You sell your business or part-interest in your business.
If you report payroll monthly, quarterly, or semi-annually, the easiest way to report your payroll is online. Create a user account for our Policyholder Hub, log in, and report your payroll online. You may also use our paper form and email your completed report to firstname.lastname@example.org.
Premium audits are periodic reviews of your business records. Typically when we request an audit we’ll need to see basic business records. Click here to learn more about virtual and in-person audits.