Idaho Code

Idaho Code § 41-113 (2026)

Compliance required — Public interest.

✓ current as of May 2026

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Compliance required — Public interest.

(1) No person shall transact a business of insurance in Idaho, or relative to a subject of insurance resident, located or to be performed in Idaho, without complying with the applicable provisions of this code.

(2) The business of insurance is one affected by the public interest, requiring that all persons be actuated by good faith, abstain from deception, and practice honesty and equity in all insurance matters. Upon the insurer, the insured, and their representatives, and all concerned in insurance transactions, rests the duty of preserving the integrity of insurance.

Notes of Decisions

Cited in 7 cases (2 in the last 5 years), 1987–2025 · leading case: Hansen v. State Farm Mut. Auto. Ins., 735 P.2d 974 (Idaho 1987).

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Hansen v. State Farm Mut. Auto. Ins., 735 P.2d 974 (Idaho 1987). · cites it 8× “In I.C. § 41-113, the legislature has specifically stated that "[t]he business of insurance is one affected by the public interest, requiring that all persons be actuated by good faith, abstain from deception, and practice honesty and equity in all insurance matters.”

Rizzo v. State Farm Ins., 305 P.3d 519 (Idaho 2013). · cites it 6× “Rizzo argues that the denial letters claims representatives sent him were ambiguous and violated I.C. §§ 41-113(2), 41-1302, and 41-1329 because they each quoted over 100 exclusions contained in his homeowner’s policy that may apply and justify State Farm’s denial of coverage.”

Howard v. Blue Cross of Idaho Health Serv., Inc., 757 P.2d 1204 (Idaho Ct. App. 1988). · cites it 8× “§ 41-113, the legislature has specifically stated that "[t]he business of insurance is one affected by the public interest, requiring that all persons be actuated by good faith, abstain from deception, and practice honesty and equity in all insurance matters... ." [Emphasis…”

Rizzo v. State Farm Ins. (Idaho 2013). · cites it 6× “Rizzo argues that the denial letters claims representatives sent him were ambiguous and violated I.C. §§ 41-113(2), 41-1302, and 41-1329 because they each quoted over 100 exclusions contained in his homeowner’s policy that may apply and justify State Farm’s denial of coverage.”

Pena v. Viking Ins. Co. of Wisconsin (Idaho 2022). · cites it 2× “10 I.C. § 41-113(2). Insurers must uphold the duty of preserving the integrity of insurance.”

Gilbert v. Progressive Nw. Ins. Co. (Idaho 2025). · cites it 2× “3d 519, 528 (2013); see also I.C. § 41-113(2) (“The business of insurance is one affected by the public interest, requiring that all persons be actuated by good faith, abstain from deception, and practice honesty and equity in all insurance matters.”

Crnkovich v. Columbus Life Ins., 118 P.3d 153 (Idaho Ct. App. 2001). · cites it 2× “I.C. § 41-113 sets forth the public policy behind Idaho's insurance regulatory scheme: The business of insurance is one affected by the public interest, requiring that all persons *826 be actuated by good faith, abstain from deception, and practice honesty and equity in all…”

— Idaho Code § 41-113(2) — 4 cases

Rizzo v. State Farm Ins., 305 P.3d 519 (Idaho 2013). “Rizzo argues that the denial letters claims representatives sent him were ambiguous and violated I.C. §§ 41-113(2), 41-1302, and 41-1329 because they each quoted over 100 exclusions contained in his homeowner’s policy that may apply and justify State Farm’s denial of coverage.”

Rizzo v. State Farm Ins. (Idaho 2013). “Rizzo argues that the denial letters claims representatives sent him were ambiguous and violated I.C. §§ 41-113(2), 41-1302, and 41-1329 because they each quoted over 100 exclusions contained in his homeowner’s policy that may apply and justify State Farm’s denial of coverage.”

Pena v. Viking Ins. Co. of Wisconsin (Idaho 2022). “10 I.C. § 41-113(2). Insurers must uphold the duty of preserving the integrity of insurance.”

Gilbert v. Progressive Nw. Ins. Co. (Idaho 2025). “3d 519, 528 (2013); see also I.C. § 41-113(2) (“The business of insurance is one affected by the public interest, requiring that all persons be actuated by good faith, abstain from deception, and practice honesty and equity in all insurance matters.”

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