Month: December 2025

Are Customized Vehicles Covered Under Toy Insurance?

Posted on by AgentInsure

Acquiring toy insurance is a surefire way to protect your toy vehicles and other RVs that you may take out every now and again. But as with any other kind of vehicle and insurance, it’s important to know what you’re purchasing and what degree of coverage you actually receive. For example, if you purchase toy insurance, will your toy insurance cover any toys that have been customized, or will you only receive coverage up to the amount of the original vehicle’s cost? Let’s take a look at what coverage will look like under toy insurance, and how you can find the right toy insurance policy with us at Fuhriman Insurance Agency, serving the Boise, ID area. 

Will Toy Insurance Cover Customized Toy Vehicles?

As with most insurance policies, toy insurance is only going to cover the replacement value of the actual vehicle. This means that you’re covered up to however much the vehicle costs when you initially purchase it. Any further customizations won’t be covered since they naturally raise the cost of the vehicle. That being said, you aren’t out of luck if you decide to customize your toy vehicle and need coverage to protect it. You can easily get add-ons that will help you cover customizations so that you have further coverage you wouldn’t otherwise have with a traditional toy insurance policy. Reach out to your desired policy provider to learn more about what add-ons they offer so that you receive bespoke insurance designed around your needs. 

Discover Toy Insurance Options With Fuhriman Insurance Agency

Are you looking to protect your toy vehicle investments? If so, start here with Fuhriman Insurance Agency, serving Boise, ID. We can help you compare your options so that you get the best insurance policy at the best price.

What To Do If You Suspect Workers’ Comp Fraud

Posted on by AgentInsure

It doesn’t happen often, but in the event of a workplace injury, there are people who will try to take more than their fair share or even try to deceive you into giving them more than they deserve. Fraud is bad for everyone and should be reported. Things like vague or inconsistent details about the incident, lack of witnesses or the employee making themselves hard to contact are some major red flags. You will need evidence that someone is abusing the system before taking action. When you have that, you can file a report, anonymously if you want. Learn more from the professionals at Fuhriman Insurance Agency, serving Boise, ID and surrounding areas. 

Steps To Take 

You can bring the information you have to the attention of your manager, workers’ comp policy administrator, Idaho Department of Labor or your insurance carrier. Leave the investigation to the professionals. The insurance carrier’s special investigative unit (SUI) can handle it. They will want the subject’s name and address, all pertinent details of the incident, noticed inconsistencies, statements from witnesses, video or photo evidence and any social media activity that contradicts the claim. Cooperate with the investigators. Do not terminate the employee or discipline them in any way until the investigation is complete. Consult your legal counsel before taking action to make sure that everything you’re doing is compliant with labor laws. Go through all the proper channels so that you may maintain the integrity of the workers’ compensation system for the benefit of honest workers. 

The Fuhriman Insurance Agency Serves Boise, ID and Beyond 

If you require assistance with workers’ comp insurance for your business, we here at the Fuhriman Insurance Agency, serving Boise, ID and surrounding areas, are happy to help.