Life insurance is an overcomplicated and sensitive topic as it involves talking about death, leaving your loved ones behind and money. All these are critical areas of life that require proper planning and sober decision-making. That’s why many people in Boise, ID prefer to skip it. However, to understand your needs, you need to be well-versed with life insurance policy types. At Fuhriman Insurance Agency, we recommend learning your needs before buying the policy. To get you started, here are the common myths we thought you should know.
You don’t need life insurance when young
In fact, it’s the exact opposite. Young people have many advantages when they buy life insurance at a young age. It is also true that they need life insurance more than seniors. Remember, as a young person, you still have critical decisions to make, such as getting married, buying a home, or starting a business.
It is too expensive
Millennials in Boise, ID tend to skip life insurance because they overestimate the cost. However, life insurance is cheapest when you are young, strong, and healthy. You can lock in low rates that will remain that way up to the agreed duration. Term life insurance is cheaper and allows you to carry the policy for the amount of time you like.
If you have a condition, you’re not eligible
Just because insurance providers use health and age to determine insurance rates doesn’t mean you cannot buy insurance if you’re diagnosed with a condition. In contrast, some policies are specifically designed for specific health conditions like cancer and diabetes. You can also opt for simplified life insurance that doesn’t require a medical exam.
Let us help you
There is so much you can learn about life insurance, but the most important lesson is that you need it to protect your loved ones financially. If you need more information or help to buy the policy, contact Fuhriman Insurance Agency, and we will be happy to help.
Dealing with a pest invasion either at home or office is a hectic and troublesome experience. When faced with such menace, contacting a professional exterminator is the way to go. Pest control is critical in keeping pest nuisance away. As much as control measures are vital, some risks come into account. Fuhriman Insurance Agency in Boise, ID, is your trusted partner in coverage services.
Why Is Insurance Necessary?
Pest control insurance is not a mandatory requirement. However, once your pest control company gets insured, you enjoy peace of mind knowing that your Agency covers your operations. Additionally, commercial insurance makes a business more marketable to current and potential customers.
Professional pest exterminators need insurance companies to protect their businesses from unexpected incidences. They include termite damages, misapplication of chemicals, destruction of client’s property during practice, injury to workers, and chemical spills. Overlooking the occurrences result in pest companies paying for damages from their pockets if they lack proper insurance.
Insurance Covers for Pest Control Companies
The insurance policy protects pest control companies in the event of unforeseen claims and lawsuits. For example, client injury caused by equipment left by a company employee could result in possible prosecution. Thankfully, having a liability cover insurance package takes care of any medical and legal costing undertaken. General liability insurance also covers property damage that results from the pest extermination exercise.
It is a requirement to cover both part-time and full-time employees. The insurance package covers medical bills for injuries or illnesses acquired in the workplace. Employees constantly deal with hazardous chemicals, risky to their health, thus making the cover vital.
Commercial Auto Insurance
All business vehicles must have insurance cover. It protects the driver and the car in case of an accident. A pest control company should not put its employees and vehicles at risk thus should have valuable commercial vehicle insurance.
If you are in Boise, ID, contact Fuhriman Insurance Agency today to purchase a pest control cover.