Committed to helping you enhance productivity and reduce claims costs.
We’re all about working with local business and institutions whenever possible; that’s why SIF being an Idaho organization means everything to us.
Owner, Dream Chocolate
We have 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 excellent treatment and benefits for injured workers
• Pharmacy benefits with thousands of providers across Idaho and nationally
• Care at centers of excellence across the United States
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.
Contact your insurance agent 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.
How do I register for online access to view my policy?If you have a policy with SIF, you may register for online access on our Create A Policyholder Account page.
What information is available on the Policyholder Portal?Our Policyholder Portal provides access to:
Generally, your workers' compensation policy covers your businesses’ employees while they are engaged in work related activity. In some cases, your policy may also cover your subcontractor’s employees (if your subcontractor failed to secure workers compensation insurance).
There are exemptions, and some permitted elections, to coverage for owners, family members, volunteers, independent contractors and other work relationships where factors of the relationship determine coverage.
If you have a specific question about an employee with your business, please contact your agent or SIF Business Development Executive.
What is the difference between an independent contractor and a subcontractor/worker?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.
Do I need a policy if I don’t have employees?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:
Other factors may include:
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.
Will making changes to my business affect my policy?Changes in your business may affect your coverage. Contact your agent or Business Development Executive if any of the following occur:
