4 Questions to Ask About Bar & Restaurant Insurance

For anyone operating a bar and/or restaurant in the Boise, ID area, or people who are thinking of starting up this type of business, there are a lot of details to consider. One of those details that sometimes goes overlooked is bar & restaurant insurance. Fortunately, the Fuhriman Insurance Agency can help. There are a number of great options with companies that provide this type of insurance, and getting multiple quotes in one place makes everything easier and less complicated. Additionally, talking to a knowledgeable agent can make things feel less stressful, as well, and help get concerns addressed and questions answered. Here are four questions that should always be asked:

1. Is additional coverage needed beyond this policy?

2. How much is the deductible?

3. What kinds of things are specifically not covered by this policy?

4. How does the serving or not serving of alcohol affect the insurance coverage?

While there are other things a person will want to know about bar & restaurant insurance for their Boise, ID business, these are the main types of questions they will want to ask their insurance agent before they pick a policy and get started. Then they can work with that agent to compile the proper information and determine what else needs to be known.

The more information the agent has about the business, the easier it will be for them to determine the right level of coverage. Someone operating a small restaurant that does not serve alcohol at all may need very different coverage than someone who has a large bar that also serves some food. Both of these can be very viable businesses, and reaching out to the Fuhriman Insurance Agency can help protect those businesses and keep their owners moving forward with their plans and goals.

Are You Legally Required to Buy Workers Compensation Insurance?

If you own a business, you may find yourself wondering if you are legally required to purchase workers compensation insurance. This is a question that we at Fuhriman Insurance Agency, serving the greater Boise, ID area, are often asked. Here is what you need to know about whether you are legally required to buy workers compensation insurance. 

You Have No Employees

If you are self-employed and you do not have any employees, you are not legally required to buy workers compensation insurance. This includes those who only have a spouse that works for them or those who utilize the services of sub-contractors. As long as you do not have anyone that is legally deemed to be an employee, you are not required to obtain and carry this type of insurance. 

You Have Employees

If you employee anyone, even if it is only other person, you are legally required to carry workers compensation insurance by law. This insurance covers the cost of medical bills, lost wages, and permanents injuries if your employee is injured on the job. If you do not carry this type of insurance, you could face heavy fines by the state your business is located in, or your business can even be shut down until you obtain the correct insurance. 

Having the right worker’s compensation insurance is vital to the operation of your business. If you are looking to purchase workers compensation insurance in the greater Boise, ID area, turn to Fuhriman Insurance Agency. We can help you find the right coverage for your business needs. Call us today to schedule an appointment to sit down and discuss your worker’s comp insurance needs. 

Defining Legal Liability In Your Industry

The truth about legal liability in any industry in Boise, ID? It’s flexible. That is to say: it comes down to whether or not the lawyer can make a good case. This is why getting a legal liability policy through Fuhriman Insurance Agency isn’t a bad idea, no matter what your field.

There are a lot of points along the pipeline where legal liability might be placed, and it generally comes down to what the lawyer wants to target, and whether the lawyer can convince the judge. If someone is injured on a vape pen, for instance, the problem might be that the vape pen was improperly stored at the shop. It could be a manufacturing issue, or it could be a defect with the charger. If it’s probably the shopkeeper’s fault, but the manufacturer is the one with deeper pockets, then the suit brought up will most likely prioritize the manufacturer.

This sounds quite cynical. It’s not that the truth has no place in the courts, rather, you have to consider whether or not you’re going to be made a target. Even if you make sure to run everything above board, providing safe products and services with properly trained staff, you still might be the one that is targeted for legal liability depending on a number of factors. Maybe the distributor you work with has a better legal team, so you’re an easier target, for instance. This may seem kind of paranoid, but we’re not talking about everyday concerns. More of your customers, partners and clients than not will be fair, reasonable people, and sometimes legal liability is a lot more cut and dry. But one of the big reasons to consider calling Fuhriman Insurance Agency for a legal liability policy is because you need protection just in case someone does put you in their crosshairs.

Will my insurance policy protect my collection in the event of a theft? What if the theft occurred outside the house?

The older you get, the more expensive your toys get sometimes. You may have a more discretional income to live out your dreams and have the things you’ve always wanted. If you have a toy or toy collection in Boise, ID, you know that you need to protect your toys from any kind of losses. While you may expect damage that occurs from accidents, you also need protection from theft. Due to their nature, your toys present attractive targets to potential thieves.

While not everyone understands the importance of toys for grown-ups, we at Fuhriman Insurance Agency understand how important it is to have your toys for fun and relaxation. ATVs, speedboats and other kinds of grown-up toys. You need to know your insurance policy will cover you in case of loss after you have made the investment.

The bottom line will always be what your contract states. You can obtain a special insurance policy to cover your toys or add on to your other insurance policies. Your insurance will cover theft up to your policy limits, so you need to discuss with your insurance agent how losses are calculated. 

Your losses will also be covered even if you were not at home or on your own property. Whether the theft occurred during transport or use, you will be reimbursed for acts of theft.

If your current coverage isn’t adequate for your needs, or if you want to explore your options and possibly find a new policy entirely, contact Fuhriman Insurance Agency today. Serving Boise, ID, we will be happy to help you explore all your options.

Do I need special coverage for anything that happens as a result of my bar serving alcohol to someone?

When a business in Boise, ID wants to serve alcohol, it must apply for a special permit from the State.All businesses serving alcohol need this permit, whether alcohol is served on the side with meals or is the main part of what happens there.  Businesses are also expected to behave ethically and responsible when dealing with alcohol, such as not continuing to sell alcohol to customers who are already intoxicated.

There have been some cases where intoxicated customers left a bar and were involved in automobile crashes. Sometimes, intoxicated customers have accidents or even get into fights and hurt people or damage property. These damages can range from small, like broken glasses, to fatal crashes with very large damages. If your business is not protected, you may end up needing to pay for those damages out of pocket.

Most businesses that sell alcohol have strict policies and provide training to all employees to make sure those policies are carried out. However, sometimes accidents happen even if you do everything you can to prevent them.

At Fuhriman Insurance Agency, we can help you find the insurance policy to best protect your business if you serve alcohol. Those kinds of damages are generally not covered under any other insurance policies, like property insurance or general liability policies. That is because alcohol can provide a greater possibility of risky behavior that leads to damages.

However, if you already have one of those other policies at Fuhriman Insurance Agency, you can probably add a Liquor Liability clause or policy for an additional premium. If you have a business in Boise, ID that serves alcohol, don’t wait to protect yourself. Call today for all your options.

Occupational Diseases Covered by Workers Compensation Insurance

Obvious examples of injuries sustained at work include abrasions, bruises, and broken bones. Workers compensation insurance covers such work-related injuries, but they are not the only injuries that are meant to be covered by this policy. Fuhriman Insurance agency offers a wide range of workers compensation insurance options in Boise, ID and the surrounding areas.

Occupational diseases tend to be rare as compared to physical injuries, but they do occur. As a business owner, you will want to have a compensation policy that covers your personnel and ensures that your business is protected from losses resulting from lawsuits. It is vital to understand that occupational diseases are not the commonly occurring conditions like flu or cold.

The cold and flu are viruses that employees can easily come into contact with at home or in the workplace. An occupational disease is a malady that the employee acquires after they have been exposed to conditions at their places of work. They include:

  • Hepatitis that may be acquired by lab techs
  • Tuberculosis that may be acquired by a nurse attending to patients
  • Contact dermatitis that may be acquired from dishwashers
  • Coal worker’s pneumoconiosis

For a condition to be considered an occupational disease, there must be an existing link between the disease you’ve contracted and the type of job you perform.

Many small business owners do not have to deal with the worry of occupational diseases. But if the company often deals with chemicals that are dangerous or noxious, it may be essential to have a good worker’s compensation insurance policy.

If you’re living in Boise, ID, you can call any of our agents at Fuhriman Insurance Agency for more information on occupational diseases that are covered by worker’s compensation insurance. You are also free to visit any of our offices for a more detailed consultation.


Important Things to Note about Bar & Restaurant Insurance

Owning a bar or restaurant can be very rewarding. These are not only places where people come to take meals, drinks and watch games but also they are places where most of the best memories with families and friends are made.

You may realize that when clients pick the best place to be spending their weekends or holidays, they will stick to it. The best way to appreciate their loyalty is by ensuring that they are protected, and they can feel safe while in your bar or restaurant in Boise, ID.

Fuhriman Insurance Agency provides bar & restaurant owners with numerous policies and also we can assist you to select the best coverage that suits you. Before buying a bar & restaurant insurance policy, there are several things you need to know which include;

The basic policies

Bar & restaurant insurance comes with numerous basic policies, and you will need to choose the one that suits your specific needs.These policies are similar to commercial insurance coverage which includes;

Property coverage – This is to protect the things and inventories that your business own.

Liability – The policy protects your customers and helps you pay for the damages that may occur to them when they are on your business premises.

Workers compensation – It caters for medical benefits and wage replacement if an employee is hurt in the workplace.

Commercial auto insurance – If your business owns vehicles, the coverage is meant to ensure that they are protected.

Things affecting your insurance needs

The type and the premiums you need for your bar & restaurant insurance depends on various factors which include; location, lease requirement, losses history, hours of operation, property type and volume just to mention a few. You should note that if your bar or restaurant leases its space, there are specific insurance requirements expected to meet the lease without violation.

To learn more about bar & restaurant insurance in Boise ID, contact Fuhriman Insurance Agency today. We will help you learn more so that you can make a sound decision before settling on a policy.

Who Needs Workers Compensation Insurance

Owning a business is a dream for many people. When you do own a business, there are many things that you need to take into consideration that you may not have thought about. For those in the Boise, ID area, one thing could be the need for workers compensation. There are several situations in which you will need to have a worker’s compensation policy.

Business with Employees

Workers compensation insurance is a requirement by law in almost every state in the United States. In the state of Idaho, all businesses that have one or more employee is required by law to carry workers compensation insurance. In fact, you are required to have the full policy in effect before your first employee even starts working for you.  

Contract Employees

Even if a business does not necessarily have direct employees, they still may be required to have Workers Compensation Insurance if they have employees hired on a contract or temporary basis. All employees will need to be covered.  If you have received the employees from a temporary placement or contract-consulting agency, they may be covered under the other company policy.  In these situations, you may not need to pay for the insurance, but it is important that you confirm that all employees are covered.  

Volunteers or Interns

Many businesses also receive seasonal help from volunteers or interns that are looking to gain experience. While these employees may not receive any form of compensation or other benefits, you are still taking on risk when they are at your place of business. Because of this, you will need to have a worker’s compensation policy in place to cover them, unless they are covered by a different program.

For businesses in the Boise, ID area that are trying to figure out their insurance needs, working with Fuhriman Insurance Agency could be a great option.  Fuhriman Insurance Agency will help you better understand your requirements and help you get a sufficient policy.  

Who Needs Commercial Insurance

Most consumers are very aware of their need to carry a range of personal insurance policies including home, auto, and life. However, many small business owners underestimate the need to carry insurance for their business. There are many reasons why most businesses should carry a quality commercial insurance policy.

Business that Owns Property

Any business that owns real estate or any personal property will definitely benefit by having commercial insurance. Commercial insurance policies will typically include property insurance that will cover both the property and any business items that are stored inside. Beyond having the protection that it provides, having commercial property insurance will also likely be a requirement of any bank that provides mortgage on the property.  

Those with Liability Concerns

If your business operates in an industry that is prone to liability lawsuits having a commercial insurance policy will be a practical necessity. Commercial insurance policies will typically include a separate liability insurance policy that will provide you with a certain level of liability protection. While any business would benefit from having it, liability insurance coverage is particularly important for any business that operates in an industry that is known to be litigious.

Business Interruption

Any business that is concerned about how a disruption in their business could affect their cash flow would also benefit from a commercial insurance policy. For example, if your real estate being damaged affects your ability to operate, you could lose a lot of money. Fortunately, those that get a commercial insurance policy with business interruption insurance will receive a certain amount of cash flow to cover the business expenses during the period of interruption.

If you are considering getting a new commercial insurance policy, it would be a good idea to contact the Fuhriman Insurance Agency immediately. The Fuhriman Insurance Agency is a leading Boise, ID insurance agency. The Boise ID agency will be able to help you get an insurance policy that meets the needs of your business. 



Young and Single – Why Life Insurance Now?

There is an interesting aspect of life insurance coverage in Boise, ID that many people don’t take advantage of when they can. Buying a policy when young and healthy is always going to be far less costly then when older. It’s based on a very simple principle that, according to the Fuhriman Insurance Agency, risk goes up the older one gets. So, a 40-year-old buying a term life policy is never going to be able to get the same coverage pricing as a 21-year-old. However, many folks think they should only be considering life insurance once they are seriously involved or married or raising kids; the logic is stuck on the idea someone already has to be around aside from the insured to make the policy worthwhile. In fact, by purchasing a policy when young, a customer locks in one of the best coverage pricing points possible. And since term life insurance can be maintained on single term policies for up to 30 years at a time, it starts to make real sense when one does the numbers with a lower price point versus starting later at a higher premium price level when older. And this same benefit applies on life insurance whether a customer is in Boise, ID or anywhere else in the U.S.

So if you’re thinking there’s no real reason for you to have life insurance because of being single and young, think again. Securing a policy now through a reputable insurance broker like the folks at Fuhriman Insurance Agency could provide a huge cost advantage versus later on when risks are naturally higher. Don’t get caught up in mistaken assumptions. Call the Fuhriman Insurance Agency staff to day to find out what a simple term life policy can do for you in the long term.