Is Pest Control Insurance Required in Boise ID?

When pests are wreaking havoc on your home or office, calling professional exterminators is your best line of defense. Pest control companies are very critical in keeping pesky critters out of people’s lives. However, even as you strive to keep people’s premises pest-free, there is a fair share of risks involved. To this end, you need pest control insurance from Fuhriman Insurance Agency of Boise, ID to protect your business.

Is pest control insurance required in Idaho?

While you aren’t legally required to buy some aspects of pest control insurance, you will thank the insurance gods you had comprehensive commercial insurance when the unthinkable happens. 

Common commercial insurance coverages specific to pest control companies

If you are a professional exterminator, having the right commercial insurance can protect your business from sliding into a financial hole. Additionally, having commercial insurance makes your business marketable as customers view you as a reputable business. 

Here are the common business insurance coverages common for pest control companies:

General liability insurance

This coverage isn’t legally required but can save your business thousands of dollars if you are sued. Besides, many customers will demand this insurance before they hire your services. Here is how commercial general liability insurance protects your business.

  • Bodily injury: If a client trips and sustains injuries due to equipment you left at their premises, they could sue you for negligence. Thankfully, if you have liability coverage, it covers medical costs and legal costs.
  • Property damage: Assume your employee accidentally spills chemicals on your client’s electronics and damages them. As a result, general liability insurance should cover the property damages. 

Workers’ comp insurance

Whether you have part-time or full-time employees, you need workers’ comp insurance in Idaho. It covers employees’ medical costs for general illnesses and injuries suffered in the workplace. This coverage is even more critical in pest control companies, given that employees are constantly interacting with dangerous chemicals that could be detrimental to their health.

Commercial auto insurance

It’s mandatory in Idaho State for all business vehicles to have commercial auto insurance. This coverage protects your driver and vehicle when involved in an accident.

If you are a pest control company, don’t put your business and employees at risk by not carrying commercial insurance. If you are in Boise, ID, and its environs, please contact Fuhriman Insurance to purchase pest control insurance.

Auto insurance FAQs

If you are new to buying auto insurance, or you are just ready for a change of carrier or agency, there may be a lot of questions that come to mind. Having an insurance agent who has lots of answers makes the process much easier. If you are in or near Boise, ID, Fuhriman Insurance Agency can provide the answer you need. We realize that our customers are our most precious asset and our goal is to provide the best insurance products at the most reasonable price. 

How much auto insurance do I need to have?

In Idaho, liability insurance is required by law. The mandated coverage amount is 25/50/15. If you have an auto loan, you will be required to carry collision and comprehensive insurance. 

What deductible should I have?

The deductible is the amount you will need to pay out of pocket before your auto insurance covers repairs on your vehicle. You should choose an amount that won’t be difficult for you to pay. 

Do I need full glass coverage?

If you have ever taken a stone to your windshield you know the answer to this question. It is a very minimal premium, and it provides great service. 

What is comprehensive insurance cover?

Comprehensive insurance covers damages to your vehicle that are beyond your control. If your car is stolen or vandalized that will be covered. If hail damages your paint or a limb is blown onto your vehicle, that is covered. If a deer runs into your car, that is covered. 

Do I need to have collision insurance?

If you are in an accident where you are at fault collision insurance will pay to have your vehicle repaired after you pay the deductible. If you need your vehicle, you need collision coverage. 

In Boise, ID contact Fuhriman Insurance Agency for all your auto insurance needs.