Many people love living in the Boise, ID area because it is an active community with many great trails and other places to spend time outside. If you enjoy being outdoors, investing in a recreational toy is a good idea as it will open up many possible activities. Along with this, it is essential that you get the right insurance. A full toy insurance plan offers various forms of coverage that can make it a good investment.
Coverage for Toy
When you invest in a recreational toy, you will want to be able to use it for a long time. A great way to ensure this happens is by getting insurance. When you have toy coverage, you will have support so you can always repair or replace your toy.
Liability Risk Mitigation
A reason why all people should have this coverage is so they can reduce their liability risks. Even if you are very experienced and diligent when using a recreational toy, there is a chance you could cause an accident. If this does occur, you will need to pay for any resulting damages. If you have toy insurance, it will give support so you can cover these costs through the liability insurance provision.
If you purchase a recreational toy in this part of Boise, ID, you will want to know that you have the right coverage for it. To ensure you select the correct type of toy coverage here, it would be ideal to start your search by calling our team with the Fuhriman Insurance Agency. There are a lot of important choices to make when looking for this coverage, and our team with Fuhriman Insurance Agency can ensure you select the right policy for your situation.
Workers’ compensation insurance offers employers in Idaho financial protection if and when an employee is injured. This type of policy helps pay for lost wages and even medical care as needed. It also helps protect employers from lawsuits. If you’re currently looking for workers’ comp insurance in or near Boise, ID, contact us at Fuhriman Insurance Agency to learn more. In the meantime, continue reading to see how workers’ comp insurance works in Idaho:
- Coverage Requirement: In Idaho, with few exceptions, every employer who has one or more employees, full or part-time, must provide workers’ compensation coverage either by purchasing an insurance policy or by becoming self-insured.
- Reporting an Injury: If an employee is injured on the job, they should report the injury to their employer as soon as possible. The employer is then responsible for filing a report of the injury with the Idaho Industrial Commission within ten days of learning about the accident.
- Medical Treatment: The employee can choose their physician if an injury requires medical attention. However, Idaho employers can limit the choice of treating physicians if they provide a written list of physicians or a managed care organization has been designated.
- Wage Replacement: If an employee cannot work due to a work-related injury or illness, workers’ comp insurance provides temporary disability benefits. The amount typically equals about two-thirds of the employee’s average weekly wage, up to a maximum amount set by law each year. Permanent partial or total disability benefits are also provided if the worker’s injury leads to permanent disability.
- Legal Disputes: If there’s a dispute about the benefits, such as a denial of a claim, the worker can request a hearing before the Idaho Industrial Commission, which is the state agency that administers and enforces Idaho’s workers’ compensation laws.
And remember, if you’re currently looking for workers’ comp insurance in or near Boise, ID, be sure to contact us at Fuhriman Insurance Agency today!