Coverage
Business Insurance
Protect your operation with the right mix of liability, property, and workers' comp coverage.
Whether you run a one-person shop or manage a team across the Treasure Valley, the right business insurance keeps you operating when something goes wrong. Borgman Agency works with small business owners across Boise, Meridian, Nampa, and surrounding communities — shopping your coverage across multiple carriers to find the right policy at the right price.
Business Insurance Coverage Options
General Liability Insurance
Covers third-party bodily injury and property damage. If a client is injured at your place of business or you damage someone's property on a job, general liability may pay your legal costs and damages. Coverage terms, limits, and exclusions vary by policy.
Business Owner's Policy (BOP)
A BOP bundles General Liability and Commercial Property coverage into one package — typically more affordable than buying each separately. Ideal for small, lower-risk businesses like retail shops, professional offices, and service providers. Coverage details vary significantly by carrier and industry.
Workers' Compensation
Idaho law requires workers' compensation for any business with one or more employees — including part-time and seasonal staff. Coverage must be in place before your first employee starts. It covers medical expenses and lost wages for work-related injuries.
Commercial Auto Insurance
Required in Idaho if your business owns or operates vehicles. Covers accidents involving company vehicles, including bodily injury and property damage. Businesses that use personal, rented, or leased vehicles for work purposes typically need a Hired and Non-Owned Auto (HNOA) endorsement as well.
Professional Liability / Errors & Omissions
If your business provides advice, designs, or professional services, E&O coverage protects you from allegations that your work caused a financial loss for a client. Policy terms and covered activities vary considerably — we'll make sure your coverage matches what you actually do.
Cyber Liability
Idaho's data breach laws require businesses to notify affected residents as soon as possible after a breach, and the Attorney General within 24 hours. Cyber insurance can cover investigation costs, notification expenses, legal defense, and PR response — increasingly important for businesses of all sizes.
Do I Need a Business License in Boise?
Most businesses operating in Boise are required to carry a city business license. Contractors must carry commercial general liability insurance to operate in Idaho and may need a surety bond for certain contracts. Requirements vary by industry and type of work — we'll help you understand what applies to your business.
Carriers we use for this line
Frequently Asked Questions
Workers' compensation is mandatory for any Idaho business with at least one employee. Commercial auto is required if your business owns vehicles. Other coverages such as general liability and professional liability are not state-mandated but are often required by landlords, lenders, and clients as a condition of doing business.
Costs vary widely based on your industry, number of employees, revenue, and specific risk factors. The best way to find out what coverage will cost for your business is to get a quote — we'll shop across multiple carriers and present your options clearly. Call us at (208) 501-8877.
General liability covers third-party injury and property damage. A BOP adds commercial property coverage — your equipment, inventory, and in some cases your building — and often business interruption coverage. For many small businesses, a BOP provides broader protection than general liability alone.
Small businesses are frequent targets of cyberattacks. Idaho's breach notification laws add real legal exposure. We're seeing more small business owners add cyber coverage — and it's often more affordable than people expect. We'll walk you through the options.
Call us at (208) 501-8877 or fill out our online quote form. We'll ask about your business type, headcount, and risk profile and present your best options across multiple carriers as quickly as possible.
Protecting your business starts with a conversation. Call Borgman Agency at (208) 501-8877 or get your free commercial insurance quote online.