Idaho State Insurance Fund
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Line of business & geography: - Monoline workers’ compensation for Idaho employers; SIF positions itself as the reliable and competitive source of workers’ comp in Idaho since 1917 and insures ~30,000 in‑state businesses and numerous Idaho state agencies. Coverage focus is Idaho operations, with structured options for Idaho employees working in other states via reciprocity and an Other States Coverage program.([idahosif.org](https://www.idahosif.org/agents)) Preferred / target business: - Broad appetite for Idaho employers needing statutory workers’ compensation, including small businesses that qualify for instant quotes through SIFQuote. - Specific attention to core manual classes such as agriculture, contracting, and trucking, each supported by its own supplemental questionnaire, indicating these are actively underwritten and regularly written segments when properly documented.([idahosif.org](https://www.idahosif.org/forms)) Restricted or sensitive exposures (operational notes): - No public class‑by‑class decline list is published on the open site. Appetite is managed through underwriting review and required supplemental questionnaires for higher‑risk categories: - Agricultural risks must submit the Agricultural Supplemental with the policy application. - Contractors must submit the Contractor Supplemental. - Trucking accounts must submit the Trucking Supplemental. - Underwriters are assigned to specific agency partners and are the primary contact for questions on eligibility, pricing, and any borderline risks.([idahosif.org](https://www.idahosif.org/forms)) Out‑of‑state / reciprocity guidance: - Idaho employers whose Idaho‑based employees are working temporarily outside Idaho typically need an extraterritorial (reciprocating) agreement approved by the Idaho Industrial Commission to avoid double premiums and to maintain coverage. - Idaho has reciprocal arrangements with its six neighboring states: Washington, Oregon, Montana, Utah, Wyoming, and Nevada. - Key conditions for reciprocity: - Request must go through the Idaho Industrial Commission; they issue an Extraterritorial Certificate sent to SIF and the other state. - Business must provide business name/contact, destination state, work type, and expected start date. - Agreements usually last about six months. - Requests cannot be submitted more than two weeks before work begins and cannot be backdated. - Coverage under the certificate ceases if the underlying Idaho SIF policy is canceled. - For workers who both work and reside permanently in another state, SIF directs employers to an "Other States Coverage" program, rather than relying on reciprocity alone.([idahosif.org](https://www.idahosif.org/other-states)) Submission requirements & workflow (agents/producers): - Fastest path: submit new business through the SIFQuote online tool from within the Agent Portal; agents may request bind and pay for many small business policies directly in SIFQuote. - Alternative path: submit a completed ACORD workers’ comp application or SIF’s own Policy Application along with any required supplemental questionnaires (agriculture, contractor, trucking). Completed applications are emailed to the assigned Underwriter or to the generic intake address policyapplications@idahosif.org. - Policy application instructions emphasize that all non‑office‑use fields must be fully completed; incomplete applications will not be processed and will be returned.([idahosif.org](https://www.idahosif.org/agents)) Agent / broker operational notes: - Appointments: To become a partner agent, producers contact the Agency Relations Specialist (via email link on the Agents page). Existing agents needing portal access must complete the Website Access registration form and email it to the Customer Relations Team. - Portal capabilities: The Agent Portal allows agents to submit applications via SIFQuote, view book of business, view client past‑due bills and reports, and access commission statements and EFT commission setup. - Underwriter assignment: Each agency is assigned a specific SIF underwriter; underwriter details can be viewed through the Agent Portal (Book of Business section) or obtained via the Customer Relations Team. Agents are expected to route underwriting questions and nuanced class/appetite issues to that underwriter. - Support contacts: Agency Relations (bdsupport@idahosif.org) for appointments and benefits; Customer Relations Team (crt@idahosif.org) for portal/underwriter lookups and general agent support.([idahosif.org](https://www.idahosif.org/agents)) Practical placement guidance: - Use SIFQuote first for standard, smaller Idaho risks to obtain instant indications and quickly bind where eligible. - For riskier or more complex classes (agriculture, contractors, trucking, multi‑state operations), ensure the appropriate SIF supplemental is fully completed and coordinate early with the assigned SIF underwriter. - For any operations sending Idaho employees out of state, confirm whether exposure is temporary (reciprocity + extraterritorial certificate) or permanent (Other States Coverage program) and involve the Idaho Industrial Commission where required before work begins.