Month: August 2025

What Types of Toys are Typically Insured?

Posted on by AgentInsure

When you think of insurance, most people immediately think of health insurance or auto insurance. However, many people own items that would be financially devastating to replace if they were damaged or stolen. If you live near Boise, ID, our team at Fuhriman Insurance Agency welcomes the opportunity to explain why purchasing toy insurance may be a smart investment for your future. We’ve been working with clients like you since 1962.

What Types of Toys Are Typically Insured?

People who purchase toy insurance often do so to protect their investment in expensive items, such as collectibles. For example, a robotic dog or an American Girl Doll might be insured. If these items are destroyed by a fire, weather disaster, or stolen, your toy insurance can cover the cost of replacing them.

Other clients purchase toy insurance for recreational vehicles such as ATVs, water skis, parasailing equipment, or custom gear used in outdoor sports activities. Some clients who own boats may be able to purchase an additional policy with their boat insurance that covers water skiing or jet skiing. Ask our agents which policy options best suit your needs to protect your investments.

Call Us Today for Your Appointment

If you’re the type of person who needs toy insurance, you likely want the best insurance to protect your other essential investments, like your home, car, and health. At Fuhriman Insurance Agency, we understand that each client is unique, and we bring decades of experience to our discussions about the types of insurance you may need. Clients in Boise, ID have trusted our team for over 60 years. Give us a call today to schedule an appointment and find out why so many clients place their trust in us.

What Should You Consider When Purchasing Workers Comp Insurance For the First Time

Posted on by AgentInsure

Starting a business comes with many firsts, from hiring your first employee to ensuring you’re protected in case something goes wrong. At Fuhriman Insurance Agency in Boise, ID, we help business owners navigate one of those key first steps: purchasing workers’ compensation insurance. If you’re doing this for the first time, there are a few important things to keep in mind.

Know Your State Requirements

Every state has its own set of rules regarding workers’ compensation, and Idaho is no exception. Some businesses are required to carry coverage as soon as they hire their first employee, while others may have more flexibility. Understanding what’s legally required is the first step to staying compliant and avoiding fines or penalties.

Understand Your Industry Risks

Not all jobs carry the same level of risk. For example, a construction company faces different hazards than a small accounting firm. Your premium will be influenced by the work your employees perform, so it’s important to classify job roles accurately. Being honest and precise helps ensure you don’t overpay—or worse, face a denied claim down the line.

Think Beyond the Minimum

It’s tempting to meet the legal requirements and move on, but quality workers’ compensation coverage goes beyond compliance. It’s about protecting your employees and your business. Look for a policy that offers robust support in the event of an accident, including return-to-work programs and claims assistance.

At Fuhriman Insurance Agency in Boise, ID, we specialize in helping businesses understand and secure the right workers’ compensation insurance. If you’re purchasing coverage for the first time, let’s talk. We’ll guide you through the process and ensure you feel confident every step of the way.