Idaho has no tow-specific rule — its general for-hire property-carrier rule applies, placing tow-away units in the $750,000 CSL tier. The state sets no on-hook, garagekeepers, or cargo minimum.
Law: IDAPA 39.02.80.020.04, 39.02.80.020.03.a, 39.02.80.020.03.b · IDAPA 39.02.80.021.01–.02; Idaho Code § 49-1233(3)
Weight / class variation: $5,000,000 for certain hazmat and $1,000,000 for oil/hazardous waste carriers in 020.03; $750,000 is the non-hazardous other-property tier
No tow-specific rule found; general intrastate for-hire common/contract property-carrier rule applied. The 'including drive away and tow away units' language in .020.04 places tow-away units in the $750,000 'all other property' tier. No state on-hook, garagekeepers, or cargo minimum — IDAPA 39.02.80 (read in full) contains no on-hook/garagekeepers provision and no Form H cargo filing; § 49-1233 requires only liability/property-damage insurance. Rotation is handled by local city/county agreements. Verified 2026-10-14: all fields resolved (figure or confirmed absence).
Got your number? Get a quote built for it.
Message us on Messenger Typically responds within 15 minutes during business hours. Prefer to talk now? Call · Text Get a quote for Idaho →Independent-contractor test: Statutory "result-only control" definition
Not required doesn’t mean not liable: if you don’t carry workers’ comp — even where it isn’t required for you — an injured worker may be able to sue you in court instead of being limited to comp benefits, because the exclusive-remedy shield generally depends on having coverage.
Minimums are the legal floor, not a recommendation — most operators carry more. Your operation (light-duty, heavy-duty, repo, rotation, motor club) decides which coverages fit. Take the coverage quiz →
Rotation is a local contract, not state law. Rotation agreements commonly require auto liability around $1,000,000 CSL, on-hook/cargo $50,000–$100,000, garagekeepers $50,000–$500,000, and the agency named as additional insured — check your agency’s agreement for its exact terms. Rotation readiness checklist →
More tools: state requirements lookup · workers’ comp lookup · coverage quiz · fuel cost calculator · rotation checklist
Informational only — not legal advice and not a quote. Requirements change — confirm the exact limits with your state DOT / public utilities commission and your rotation agreement before you buy. Minimums are the legal floor, not a recommendation — most operators carry more.