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
Officially published guidance is producer-facing rather than a formal public appetite guide. Idaho State Insurance Fund positions itself as an Idaho-focused workers’ compensation market and states it normally has a solution for Idaho business owners’ needs. The clearest target profile is Idaho-based employers seeking workers’ compensation coverage for Idaho workers, with portal-driven service for appointed agents and local servicing/support across the state. Business owners without an agent are directed to a SIF-appointed agent. Submission workflow: appointed agents are told to use SIFQuote for the fastest turnaround; SIFQuote can provide instant quotes for many small business policies, and agents may request bind, pay for some new policies, track status, and download documents. SIF also accepts ACORD applications and its own SIF application form. Completed policy applications may be emailed to the assigned underwriter or policyapplications@idahosif.org, and completed forms can also be uploaded through the website. Required or expected supplements are explicitly called out for agricultural, contractor, and trucking risks, which should accompany the policy application. Geographic notes: the fund is Idaho-centric. Its trucking supplemental says SIF provides workers’ compensation coverage for Idaho-based workers, warns that employees working in other states may not be covered under an Idaho policy, notes workers hired in other states may not be covered, and suggests a private carrier multi-state solution may be better if the insured will have workers in other states. SIF also offers an Other States Coverage solution for Idaho businesses through Zurich; for OSC it asks for ACORD-130 and all applicable loss runs, and applications should be submitted 30 or more days before the renewal/effective date to osc_application_submission@idahosif.org. Restricted/declined classes are not published as a formal public list; however, the need for separate agricultural, contractor, and trucking supplemental questionnaires indicates underwriting scrutiny for those classes, and out-of-state or multi-state exposures require special handling rather than standard Idaho-only placement. Broker/producer notes: agent appointment is required for full portal access; appointed agents with an active book can request agency portal access, view book of business, billing/report data, commission statements, and sign up for EFT commissions. Underwriters are assigned by agency partner. Carrier contact points called out for producers include bdsupport@idahosif.org for business development/appointment and crt@idahosif.org for customer relations help.