Month: April 2025

Is Toy Insurance a Worthy Investment?

Posted on by AgentInsure

Outdoor enthusiasts love riding their recreational vehicles during the summer months. However, choosing the right insurance coverage to protect their equipment can be challenging. The Fuhriman Insurance Agency of Boise, ID, can assist by providing pertinent information on why toy insurance is a worthy investment.

What is Toy Insurance?

Recreational vehicles are highly coveted outdoor adult toys. Owners are continually looking for optimal coverage for their rides. Toy insurance is a worthy investment as the off-road riding conditions can be unpredictable at best. The specialized coverage protects recreational vehicles while operated, towed, or stored. Also, toy insurance shields against theft, vandalism, or damage from extreme weather conditions. It is wise to add liability insurance that covers all legal expenses should you be found at fault for an accident with another vehicle. Often, the result is getting sued by the other party.

What Recreational Vehicles are Candidates for Toy Insurance?

All recreational vehicles, such as all-terrain vehicles, golf carts, and snowmobiles, are eligible to be included in a toy insurance policy. Accidents are inevitable when traveling off-road on your recreational vehicle. Having quality coverage is crucial when a mishap takes place. All recreational vehicle owners ought to have a standard toy insurance policy. It should cover all repair damages and medical care if someone is injured in an accident. Additionally, the coverage must protect your assets if a personal injury lawsuit is filed against you.

If you need further information on the coverage provided by a toy insurance policy, contact the Fuhriman Insurance Agency of Boise, ID. Our staff can create personal coverage for your specific recreational insurance needs. The added protection allows you to enjoy riding your off-road vehicles without questioning if your toy insurance policy is adequate. Call and set up an appointment today.

Do Out-of-State Companies Need to Pay for Worker’s Compensation Insurance for Boise ID Employees?

Posted on by AgentInsure

If you’re expanding your business into Boise, ID, you’ll want to ensure you comply with local laws and requirements. Purchasing the proper forms of insurance isn’t just another expense; it’s a crucial way to protect your business and its assets if one or more of your workers is injured on the job.

What are the Requirements?

Most companies that hire workers in Boise, ID, will need to purchase worker’s compensation for these employees. This requirement even applies to employees who telecommute rather than come to your office. However, some employees are exempt from this requirement, including household domestic workers, casual workers, pilots who apply fertilizers or pesticides to crops, associate real estate brokers, volunteer ski patrollers, and officials involved in secondary school athletic contests.

If you intend to hire workers in Idaho for six months or less, you can get an extraterritorial certificate of coverage from your current commercial insurance provider. However, if you intend to hire workers for more than six months at a time, you’ll need to purchase insurance from an approved Idaho insurance company.

Find out More from Fuhriman Insurance Agency

At Fuhriman Insurance Agency, we take pride in helping local and out-of-state companies purchase the proper forms of commercial insurance coverage. If you’re new to doing business in the state, we can offer expert advice and multiple policy options to help you get the best deal at a good price. Contact us today to learn more about our standalone policies and policy bundles, or get quotes on specific forms of coverage.