Month: December 2017

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

Posted on by AgentInsure

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

Posted on by AgentInsure

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.