ID · Childcare & Daycare · NCCI state

Childcare & Daycare workers compensation in Idaho

Idaho uses an independent rating bureau (NCCI), so class-by-class Childcare & Daycare rates are available only via the rating bureau, not in public filings. As a national reference, Childcare & Daycare workers comp runs a median of $4.46 per $100 of payroll, with a range of $1.89 to $4.72 across reporting states. Idaho caps weekly benefits at $966 with a 1-year statute of limitations. Verified 2026-05-09.

National median $4.46
Rate authority NCCI
Max weekly benefit $966

Childcare & Daycare rate context for Idaho

Idaho does not publish class-by-class loss costs publicly, but Childcare & Daycare rates from comparable reporting states give you a useful planning range. Use the national rate range below as a baseline; your actual quote depends on payroll size, loss history, and your specific NCCI class code.

Childcare & Daycare class code Typical occupation National median National range
9059 Day care $4.46 $1.89 - $4.72
Why no per-state rates here? Idaho uses an independent rating bureau (NCCI) whose loss costs are sold to subscribers and brokers. The class codes above use the same NCCI nomenclature, but your binding rate comes from your carrier's filed loss cost multiplier (LCM) applied to those base loss costs.

Idaho compliance for Childcare & Daycare employers

Coverage threshold

Mandatory for employers with one or more employees, with limited exceptions.

1099 vs W-2 in Childcare & Daycare

Individuals paid via 1099 are presumed employees unless they meet specific independent contractor criteria.

Owner exclusion

Allowed in Idaho. Sole proprietor self-coverage optional; LLC member self-coverage optional.

Max weekly benefit

$966 at 66.67% of average weekly wage, effective 2025-01-01.

Statute of limitations

1 year from injury date in Idaho.

Cross-cite: full Idaho workers comp overview · Childcare & Daycare cross-state rate comparison · Idaho workers comp lawyer guide · Idaho settlement chart

Estimate your Childcare & Daycare premium in Idaho

Pre-filled to Childcare & Daycare and Idaho. Adjust payroll to see a real premium range from filed rates.

Estimate your workers comp premium

Pick your industry, state, and annual payroll. Range comes from real rate filings.

Filing checklist for Childcare & Daycare businesses in Idaho

  1. Step 1, Confirm coverage threshold

    Mandatory for employers with one or more employees, with limited exceptions. For Childcare & Daycare operations, this typically applies once you make a first W-2 hire, even part-time.

  2. Step 2, Pick the right class code

    Childcare & Daycare businesses typically use codes like 9059. The wrong code can cost 4 to 10x more or get reclassified at audit. Across reporting states, Childcare & Daycare median rates run $4.46 per $100 with a range of $1.89 to $4.72.

  3. Step 3, Get a quote

    Idaho State Insurance Fund is one option in Idaho; private carriers (Travelers, Hartford, Liberty Mutual, AmTrust) also write coverage. Schedule credits up to 25% are typical for low-loss accounts.

  4. Step 4, Document subcontractors

    General contractors are liable for the employees of uninsured subcontractors. Childcare & Daycare operators with crews of 1099s should keep certificates of insurance for every sub, otherwise the GC absorbs the sub liability at audit.

  5. Step 5, Annual audit

    Carriers audit payroll within 90 days of policy expiration. Have payroll segregated by class code, job descriptions on file, and overtime properly excluded from rated payroll. Childcare & Daycare class allocation can shift if any worker spends more than 50% of time on a different code.

Penalty for non-coverage in Idaho: Fines, stop-work orders, and personal liability for employee injuries.

Childcare & Daycare workers comp FAQs in Idaho

Why aren't Childcare & Daycare workers comp rates published for Idaho?

Idaho uses an independent rating bureau (NCCI). NCCI loss-cost data for this state is published only to NCCI subscribers, not in public state insurance department filings. For a national reference, Childcare & Daycare median rates run $4.46 per $100 of payroll across all reporting states, with a typical range of $1.89 to $4.72.

How can a Childcare & Daycare business in Idaho get a real quote?

Get a quote from any private carrier licensed in Idaho or the state fund (Idaho State Insurance Fund). Provide your annual payroll, ownership structure, and your current Childcare & Daycare class code. Most carriers will return a binding quote within 24-48 hours. Schedule credits up to 25% are typical for low-loss accounts.

Are Childcare & Daycare 1099 contractors covered by workers comp in Idaho?

Individuals paid via 1099 are presumed employees unless they meet specific independent contractor criteria.

What is the maximum weekly benefit for an injured Childcare & Daycare worker in Idaho?

Idaho caps weekly workers comp benefits at $966 (effective 2025-01-01), calculated as 66.67% of the average weekly wage. Childcare & Daycare workers are subject to the same statutory cap as workers in any other industry.

How long does a Childcare & Daycare worker have to file a comp claim in Idaho?

The statute of limitations in Idaho is 1 year from the date of injury. Most claims also require notice to the employer within 30 days. Childcare & Daycare workers should report any incident on the date it happens, even minor strains, because cumulative trauma claims can fail without contemporaneous documentation.

Can a Childcare & Daycare business owner exclude themselves from comp coverage in Idaho?

Yes, Idaho allows business owners (sole proprietors, partners, LLC members, corporate officers) to file an exclusion election. Childcare & Daycare owner-operators often elect out to keep premium below the minimum. Sole-proprietor self-coverage is not required, and LLC member self-coverage is not required.

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