Commercial coverage from an idaho company
serving you since 1980Commercial coverage from an idaho company
serving you since 1980
Protect what you’ve built with affordable business insurance
commercial property
We cover a wide range of property and commercial equipment on our commercial policies. Policies from Western Community Insurance are an excellent choice for commercial property in Idaho.
commercial auto
Western Community has recently evolved to allow light trucking risk. Delivery vehicles, Garbage trucks, and trucking that generally stays within the state of Idaho are all excellent options for commercial auto at Western Community.
general liability insurance
When you’re concerned about the potential for injury or physical damage caused by your business, General Liability is the coverage you need. Products completed coverage is also available for some GL classes.
garage & garagekeepers
Coverage for your customers’ autos and liability protection for you is a must if you work on vehicles, ATVs or motorcycles. This coverage protects you if something happens to your customer’s vehicle while in your care. It also protects you from liability while test driving repaired vehicles.
inland marine coverage
Commercial Inland Marine policies cover commercial items that move around. Coverage options for heavy equipment, cargo, & customer property all belong under inland marine coverage.
Business owners policies (BOP)
For businesses with stationary operations like storage units, restaurants, & apartment complexes, our BOP policies are a terrific option to combine property and liability coverage.
builders risk
Builders risk coverage for new construction of commercial and residential buildings is available through Western Community Insurance.
commercial umbrella
Landed the large contract? It may require higher liability limits than your other liability policies. We’ll help you figure out exactly what you need.
Businesses we commonly cover
Big and small, old and new, there are lots of business and professions in our portfolio. Here are a few types of businesses we protect every day.
self storage
Beauticians
Landscapers
Plumbers
Construction
Retail
Church Camps
Janitorial & Cleaning
Restaurants
Trucking
Electricians
Machine Shops
Hotels & Motels
Automotive
Apartment Complexes
Professional Offices
Managing your total cost of risk
Often times commercial insurance is more complicated than one policy to cover it all. Workers compensation, General Liability and other coverages work together to protect your business. We work with our brokerage group to limit your exposure and reduce cost.
Options off the beaten path
If you’ve implemented best practices to reduce your wildfire risk, it’s worth getting a quote from Farm Bureau. We also have options through our brokerage group for those hard to cover properties in high fire protection classes.
Options off the beaten path
If you’ve implemented best practices to reduce your wildfire risk, it’s worth getting a quote from Farm Bureau. We also have options through our brokerage group for those hard to cover properties in high fire protection classes.
Discounts for clean loss history
Our commercial policies are hand rated with discretionary pricing. If you’ve got a clean loss history for the last 3-5 years on your commercial policy, it’s worth a review. When we review your commercial liability and property coverage, we’ll also look for savings on workers compensation coverage.
Short Term Rental
Airbnb, VRBO or renting directly to guests, we have coverage options to keep you protected. Short term rental isn’t risk free and one type of coverage doesn’t fit all. It’s best to have someone to help you manage the risk and keep the profits where they belong- in your pocket.
Short term Rental
Airbnb, VRBO or renting directly to guests, we have coverage options to keep you protected. Short term rental isn’t risk free and one type of coverage doesn’t fit all. It’s best to have someone to help you manage the risk and keep the profits where they belong- in your pocket.
Get Started
step one
Get in touch- We’ll get started right away
step two
Review your business coverage options with our experts
step three
Enjoy peace of mind with more savings and less headache
Commercial insurance quote request
Don’t like filling out forms? No problem.
Reach out by call, text or email at (208) 701-6321 or [email protected]
Get Started
step one
Fill out the form
step two
Review your business coverage options with our experts
step three
Enjoy peace of mind with more savings and less headache
business insurance quote request
Don’t like filling out forms? No problem.
Reach out via phone or email at (208) 879-2553 or [email protected]
flexible payment options
Monthly, Quarterly, Semi-Annual, payments are available.