What are the Different Types of Pest Control Insurance?

Pest control and exterminator companies in Boise, ID, have unique business insurance needs. While you may need policies covering risks common to all types of businesses, additional types of insurance can help keep you, your employees, and even your customers safe. Fuhriman Insurance Agency can assess your needs and recommend policies to protect your pest control company from various risks.

Illness is a Huge Risk

Perhaps the most significant risk for pest control companies is what can happen if employees performing extermination or homeowners receiving the service develop illnesses from exposure to the chemicals used. A standard business owner’s policy (BOP} will not meet your unique needs. Although your pest control operation still needs the protections offered in a BOP, consider getting the following:

  • Pollution and fumigation liability
  • Professional liability
  • Business auto insurance
  • Tools and equipment coverage
  • Inland marine coverage
  • Umbrella and excess liability coverage

Additional liability coverage is essential, as customers injured or whose property is damaged by your operations can sue for millions of dollars. The additional coverage will protect your company once the liability limits for other types of insurance have been exhausted.

A sound worker’s compensation policy would also be best because of employees’ potential exposure during their workday.

Inspections Can Also Be Costly

Sometimes, the initial step of inspecting a property for pests can cause unintended. Pest inspection damage liability helps cover legal fees, settlement costs, judgments against your company, and the cost of repairs.

Ensuring you have enough coverage can make the difference between staying in business after a mistake and closing the shop. Fuhriman Insurance Agency, serving customers in Boise, ID, can help you determine appropriate coverage amounts for your pest control business. Contact us to get started on a policy.

What unique coverage options should I consider when building an auto insurance policy?

Owning a car is important for those in the Boise, ID area. If you plan to buy a car in this area, you need to get the right insurance for it. There are many unique coverage options when building your next auto insurance plan.

Rental Reimbursement

If your car is ever damaged and you need repairs, you could be without a vehicle for days or weeks at a time. A rental reimbursement clause in your insurance plan will provide you with rental car reimbursement during this time. 

Gap Insurance

Auto insurance tends to provide compensation up to the market value of a vehicle. For many car owners, particularly those who have taken out a loan, there is a time when the loan balance exceeds the market value. A gap insurance benefit and policy will cover this gap to ensure you can pay off the loan. 

Uninsured Motorist Coverage

There are situations when a motorist may cause an accident. While they are responsible for damages, they may not have the proper insurance in place. With an uninsured motorist coverage plan, you will get the support necessary to cover your damages if the at-fault party does not have enough coverage to pay for all damages incurred. 

There are many important factors to consider when you are building an auto insurance plan in the Boise, ID area. If you choose to purchase a car here and want insurance support, call our Fuhriman Insurance Agency team. Our team knows all about this coverage and will offer the help you need to build your next policy.