Employer

When it comes to the health and safety of your employees, we have your back. From helping to tailor your policy specifically for your business to guiding you and your employees through workplace injury or illness claims, we unravel the complexities of workers’ compensation and illuminate a clear path forward so you can spend more time focusing on your business. We also offer free, on-site services — safety processes and procedures that can be implemented at your workplace to reduce your risk for future claims and keep your business expenses lower.

Ready to experience all the ways we can help?


  1. Download our policy application.
  2. Complete the form. Use these helpful tips to prevent delays in the review process.
  3. Upload, email or fax your completed form to us, and we’ll review and follow up with any questions.

Frequently Asked Questions


If you have a preferred, local insurance agent, you can choose to work directly with them and they can apply with us on your behalf; or you can apply directly with SIF by clicking here: apply directly, filling out the form and uploading it here or emailing it to us.
Once you are an active policyholder with SIF, you may register for online access by following these steps:
  1. On our home page, select “Policyholder” from the drop-down menu in the Log in/Register box and click “Create Account.”
  2. Enter your information (note: you will need your policy number and a recent statement, payroll report, or your policy information page to obtain a document number).
  3. Select which type of document you are referencing.
  4. Check the box to confirm you are not a robot (for security purposes).
  5. Click “Register” and a temporary password will be sent to you via email.
Registered users have access to the following information: 
  • Current policy status, outstanding transactions, invoice date, insured entities, mailing address, phone, alternate billing address and locations
  • Coverage endorsements, limits of employer’s liability, experience modification history
  • Classification codes and descriptions, rates and estimated premium
  • Financial transaction and reported payroll/premium billed history
  • Claims by policy period, all open claims, compensation paid, loss history and loss experience analysis reports
  • Download/view payroll reports, mail audits, invoices and policy documents
  • Renewal information is available to view 30 days prior to the effective date
  • Policy service team contact information
In addition to viewing policy and claim details, you can also:
Make a payment through our bill-pay provider
Report your payroll

(available by request for policies reporting monthly, quarterly or semi-annually)

Create a Certificate of Insurance you send to the requester
Generate loss-run reports for claims review and trend analysis
Print a Workers’ Compensation Notice of Coverage poster
Get an Equian First Fill letter to provide to your employee

(when filling their first prescription for a work-related injury/illness)

Your policy covers workers who are not expressly exempt under the provisions of Idaho Code 72 (exemptions may be found in Idaho Code 72-212). 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 (the regulatory agency for Idaho workers’ compensation).
The Idaho Industrial Commission (the regulatory agency for Idaho workers’ compensation) provides definitions for these titles. For further questions, please contact us.
SIF offers insurance to Idaho employers who are required by Idaho Code to obtain workers’ compensation insurance for their Idaho employees and who are willing to comply with reasonable business terms and conditions. We will not write policies where “no insurable interest” is evident. Applicants who do not have, nor anticipate hiring employees, will receive an expedited declination which allows them to apply for a policy with the NCCI Residual Market or other carriers.
Three major elements determine your workers’ compensation insurance premium:
  • Classification codes: These codes are based on the overall nature of your business.
  • Rates: The National Council on Compensation Insurance (NCCI) develops a rate per $100 of payroll for each classification.  
  • Payroll & substitutes for payroll: In the workers’ compensation system, payroll includes wages and substitutes for wages such as lodging, meals, gift cards, etc.
Other factors that may also affect your premium include:
  • Alcohol and drug-free workplace credit: Idaho Code 72-1716 allows insurance companies to grant a premium credit to employers who have a qualifying alcohol and drug-free program. SIF applies this credit at the year-end audit.
  • Experience modification: Experience modifiers (e-mod or EMR) adjusts premium based on past experience and are applied to policies with average annual premiums of $3,250 or more. 
  • Premium discount: NCCI allows a premium discount for the portion of annual premium over $10,000. 
  • Increased limits of liability: There is no policy limit for the payment of workers’ compensation benefits; but there are policy limits for the employer’s liability portion of your policy. If you choose to increase these limits, there is an additional premium charge.
  • Blanket Waiver of Subrogation: Upon the policyholder’s request, SIF may add a Blanket Waiver of Subrogation endorsement for $250/year. 
  • Disease charge: Unique exposures related to some specific classifications (i.e. asbestos abatement, explosives or cartridge loading, etc.) may be subject to a supplemental premium charge.
Your policy will renew automatically unless you notify us in writing 30 days prior to the renewal date. It also will not renew automatically 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. We recommend contacting your agent or underwriter as soon as possible if any of the following occur:
  • Ownership changes of any kind: type of entity, persons, shares, officers, etc.
  • Updates to your business mailing address, alternate billing address, phone number or email address
  • Significant changes in payroll or your workforce
    Contact us if you are unsure what is considered significant for your policy
  • 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

On-Site Services


We know that sometimes there are just not enough hours in the day. All the demands of keeping your business running smoothly leaves little time for other tasks — like loss control and workers’ compensation. That’s why we offer free, on-site services to make it as easy as possible to keep your focus where it needs to be, including:

Loss control visits: With more than 100 years of combined experience, our dedicated team of loss control consultants come to your workplace to identify and recommend policies and procedures that will help reduce injuries and control losses. Have a specific concern? We’re happy to address it.

Preliminary audit: We prefer to be proactive, which is why we offer preliminary audits that help you determine the proper distribution of payroll to each class code, as well as provide record-keeping tips and methods for payroll reporting.

Claim reviews: Sometimes communication is just easier when it’s face to face. That’s why our claims examiners are available and happy to meet with you in person to discuss any of your claim-related issues.

New policy review: New to workers’ comp and need an overview of your policy? No problem. Our field service representatives are delighted to meet one-on-one with new policyholders to review common policy provisions including class code(s), experience modifications (if applicable), payment plans, due dates, certificates of insurance, payroll reporting, filing a claim and the process.

Renewal visits: Not sure what to expect with your policy renewal? Our field service representatives are pleased to sit down to review any changes that will occur when your policy automatically renews, such as rate changes or experience modification.

At your request: A general review of your policy, introduction of SIF’s staff involved with your policy and the services we provide.

Looking for assistance with something else? If we don’t offer it, then we’ll help you track down somebody who does.

Contact Us