Month: February 2019

Will my home insurance cover my small work from home business?

Posted on by AgentInsure

If you have a home business in Boise, ID, you might not have thought about whether or not you will need to have an additional insurance policy to protect the business assets. Whether you rent or own, you may have assumed that your renters or homeowners policy provided the protection you need for your business.

At Fuhriman Insurance Agency, we help small business owners find the coverage they need depending on what kinds of services and products they sell, and what kinds of assets the business owns. Everyone has a different situation, and what works well for you might be a very poor fit for someone else.

Minimal coverage from a homeowners policy

While a homeowners policy may provide a small amount of coverage, it will be very limited. If you don’t need to purchase a full regular business insurance policy, you may be able to get optional business coverage for up to $10,000 to protect your home business.

That may not be enough, especially if the value of your home business assets is much higher. if there is a fire or large theft, you will have to pay the deductible first, before your coverage even kicks in.

Other possible exclusions

One of the biggest problems is that the liability coverage will probably not extend to business activities that occur within your home. If someone has an accident while conducting business with you, or is damaged by one of your products, you would then be responsible for any damages.

There may be other exclusions in your policy about what kind of property might be covered, and there may even be limitations that make you keep the assets within the building. If you think your Boise, ID small business may not be fully protected, call Fuhriman Insurance Agency today to discuss your options.

Benefits of Regular Tire Maintenance

Posted on by AgentInsure

In Boise, ID, regular tire maintenance is essential especially during the winter months. At Fuhriman Insurance Agency, the agents can offer sound tips on how to keep your tires in good shape and reduce your risk of being involved in an accident. Just like your car’s engine, its tires must also be properly maintained on a regular basis.

Better Gas Mileage

Making sure your tires have the right air pressure at all times. During the different seasons, your tires’ air pressure will fluctuate with the temperature. By maintaining the right air pressure, you will get better gas mileage and your tires will last much longer.

Longer Tire Life

Along with monitoring the air pressure, it’s also important that the tires be rotated regularly as well. This keeps the tires from wearing in an uneven fashion. Most manufacturers recommend rotating your tires every 6 to 9 months, depending on how much you drive your vehicle.

Better Traction

As your tires get older, you must also pay attention to the tread. If you can stick a penny (Lincoln’s head down) within the treads of a tire and see any space between the rubber and the top of the head is visible, you should consider replacing your tires. This will give you the traction you need during the snowy winter and wet summer months.

At Fuhriman Insurance Agency, residents in Boise, ID can talk to agents who can provide you with the recommendations on what you can do to keep your tires in good shape and your risk of an accident low. Schedule an appointment today and get a review of your auto insurance policy!