Protecting the health and safety of your employees.

You may notice we look a little different

It’s true! As part of our mission and commitment to you, we have been hard at work the past few months updating our brand and online experience… Read More

As Idaho’s preferred provider of workers’ compensation insurance, we help organizations of all sizes get more value out of their coverage. From cost-effective premiums and streamlining the claims process to improving worksite safety, we’re committed to help you enhance productivity and reduce claim costs.

We serve all of Idaho

SIF has loss control, audit, and field service representatives located across the state. Wherever you are, we can have someone at your office quickly to assist you and your customers.

In-house examiners help streamline claims

Internal examiners, not a third party, handle our claims. Keeping the claims in-house means our injured workers and policyholders receive consistent customer service and support.

Loss control services are free for policyholders

SIF works with policyholders to protect their employees, improve productivity, and hopefully reduce claims. Our loss control consultants offer on-site supervisor safety training, cost analysis, site assessments, and work observations—all free.

Partnership with Equian RX reduces claim costs

SIF partnered with Equian Rx, one of the nation’s leading prescription benefit management companies, to provide prescription cost savings through its network of participating pharmacies. The partnership reduces the cost of prescriptions, leading to lower claim costs and reduced or stabilized workers compensation costs for policyholders.

SIF insures the majority of Idaho businesses with nearly 35,000 policies and more than $240 million in written premium. In 2018, eligible policyholders shared a $7.17 million dividend.

Navigating the Claims Process

Unfortunately, accidents happen. And when they do, the best thing you can do is report them immediately. Your employees get the fast, specialized care they deserve while your business gets the protection it needs.

The moment we hear from you is the moment your employee begins their road to recovery.

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Why Choose Us

Our customers are the sole purpose of our business. Keeping you and your employees safe is our number one priority. Hear what our customers have to say.

“Idaho State Insurance Fund is a workers claim insurer who is the best at what they do.”

Karen Echeverria
Executive Director, Idaho School Boards Association

“Employers do not appreciate the liabilities if their insurance is not handled properly. Good workers’ comp insurance provided by a respected carrier like SIF is important.”

Cecilia Sweet
Human Resources Generalist-Compliance, Kootenai County

“I appreciate SIF’s quality of service when it comes to processing injury claims. They are great at helping both the employee and the employer through these challenging situations.”

Todd Marek
Agent, Northwest Insurance Agency

“SIF is valuable to us because their employees are professional, knowledgeable, and easy to work with; plus, they help our clients improve the safety of their respective businesses.”

Jimmie Scrogum
Partner/Agent, Alta Insurance Agency

“SIF normally has a solution to fit business owners’ needs and does not have the restrictions for new business startups”

Bob Ricketts
Agent, Ricketts and Associates Insurance

“We’re all about working with local business and institutions whenever possible; that’s why SIF being an Idaho organization means everything to us.”

Kay Johnson
Owner, Dream Chocolate

Safety and Training

Our loss control professionals are committed to helping you achieve a safer workplace. Our goal is to assist with creating or improving upon your current loss control efforts using the methods and tools mentioned here. Use the links in the Loss Control menu to read more.

We offer on-site loss control services that include supervisor safety training, cost analysis, site assessments, and work observations.

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SIF News

Safety tips, industry news, press releases, rate announcements and more! Stay up to date with SIF and what we’re up to right here on our blog.

All indemnity benefit types paid are reported for rate-making and experience modification purposes

It is required that all Indemnity benefits paid, regardless of the benefit type, be reported to the Idaho […]

Change in law affects First Responder’s benefits on July 1, 2019

First Responders may be eligible for compensation for Post Traumatic Stress Injuries (PTSI) when changes to the workers compensation law […]

Underwriting Procedure Change

Effective July 1, 2019, SIF will no longer be a market for policy applications where “no insurable interest” […]

Waiver of Subrogation changes effective August 1, 2019

Effective August 1, 2019, on new and renewal policies, SIF will offer a Blanket Waiver of Subrogation endorsement […]

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Keep your employees happy, safe & healthy.

Keeping Idaho businesses strong by returning dividends to our customers to invest in what matters — like the new team member your business needs. A SIF certified agent can help you get just the right policy for your business. We have real people here in Idaho who love to help.

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