Entrepreneurs in Boise, ID, have many different facets to consider when starting a new business. While insurance is one of them, it is sometimes not considered until something happens. Fuhriman Insurance Agency can help you avoid this pitfall by guiding you to the most appropriate policies to suit your needs.

Getting the Right Business Insurance

Finding the right business insurance isn’t easy, especially if you are a first-time owner. Without the right type, you may end up paying out of pocket for small claims. All businesses can benefit from business liability insurance to protect their operations from a wide range of risks. Most businesses need more than one type of insurance, with many risks covered under a business owner’s policy (BOP). Data breach protection has also become essential. Getting other types of insurance depends on how your business operates. These include:

• Profession liability when providing advice
• Commercial property when you own buildings
• Worker’s compensation to cover employees
• Commercial auto when employees drive company vehicles

Questions to Ask

Asking yourself specific questions can help you determine what business insurance policies you need to protect your company adequately. Consider the following:

• Will I have employees?
• Will anyone drive company vehicles?
• Will the company store sensitive customer information?
• Will I transport or sell items offsite?
• Will I transport equipment or products?
• Will I or my employees provide professional advice or services?
• Will my operation have specialized equipment?

No matter how small, most businesses will need add-on policies beyond general insurance.

The best time to determine your insurance needs is before your company officially begins operations. The professionals at Fuhriman Insurance Agency, serving Boise, ID, will sit down with you to assess your needs. Contact our office today to get started on coverage.

Certain commercial insurance coverages are often overlooked when protecting your Boise, ID business but can be crucial. At Fuhriman Insurance Agency, we’re able to offer a variety of lesser-known commercial insurance coverages that can safeguard your business against risks that likely wouldn’t otherwise be covered. Here are three to consider:

1. Crime Coverage

Crime coverage is a commercial insurance protection specifically for stealing. It may cover losses resulting from theft, fraud, or embezzlement. 

While theft by a burglar is frequently covered under commercial property coverage, this coverage commonly excludes internal theft by employees. For embezzlement and other forms of employee theft, there’s crime coverage.

2. Keyman Coverage

Keyman coverage, or key person insurance, is important if your Boise, ID business highly relies on you (or another essential person). This coverage might help cover costs if a critical employee becomes disabled, passes away, or otherwise can’t run the business. Costs may be paid until another qualified employee can be found, or a lump-sum payment might be given to investors if the company must close.

(Having an employee temporarily not work due to illness typically isn’t covered, nor is an employee leaving for another job.)

3. Business Income Coverage

Business income coverage might help your business survive a prolonged and unexpected interruption financially. If your business must temporarily close due to a covered event, such as a fire or natural disaster, the coverage could pay supplemental payments to cover utilities, rent, wages, and other expenses.

Fully Protect Your Business Today

Ensure your business is protected from the many different risks it’s exposed to. Contact Fuhriman Insurance Agency for help finding all of the commercial insurance coverages your business should carry. 

When you own a business that has employees, it’s essential that you have a workers’ compensation policy. This is a type of commercial insurance policy that protects both you and your employees in case of injuries. When you have this insurance, it gives you peace of mind and compliance with the law. Workers’ comp insurance is required for all businesses in Idaho that have part-time or seasonal employees. Call us at Fuhriman Insurance Agency in Boise, ID when you need a policy.

Protection for You and Your Business

This type of insurance gives you the protection you need against your business’ liability. If you didn’t have this insurance, a superficial injury in the workplace could cost the business enough to bankrupt it. With the high cost of medical bills and the multitude of ways that employees can be injured, this insurance is a must for protecting your business. Depending on your business, you might be personally liable for the bills if your company goes out of business. It’s never a good idea to do business without this insurance. 

Protection for Your Employees

As an employee, getting injured at work may not be a thought many people have. However, it can and does happen. Workers’ compensation insurance protects them because it makes the funds available just in case they have an accident at work. This gives them protection and peace of mind, knowing they won’t have to fight for funds after an accident. 

Get Workers’ Comp Insurance

If you don’t have this insurance yet, you need it as soon as you have any number of employees. To get a policy for your company, call us at Fuhriman Insurance Agency in Boise, ID.

Unleash the Benefits of Commercial Insurance with Fuhriman Insurance Agency

Commercial insurance isn’t a novelty but a necessity for businesses desiring to protect their assets from damages and losses. If you are based in Boise, ID, and seeking comprehensive coverage, then we at Fuhriman Insurance Agency are your trusted partners.

Every business is unique, and so are their insurance requirements. Unlike others, we don’t enforce rigid policies. Instead, we introduce you to our various customized offerings to fulfill diverse needs.

Choicest Business Insurance from Multiple Insurance Companies

By presenting quotes from multiple insurers, we clearly understand the policy best directing your protective needs. Minor policy adjustments are sometimes all it takes to ensure the proper protection. Sometimes, you may require in-depth changes or even an entirely new policy. We guide you toward the course that promises optimal protection for your business.

Your Business – Our Security

Whether it’s mitigating loss or warding off damages, commercial coverage is designed to safeguard your business. The scope could be range-bound or exhaustive, encompassing various domains. We help translate the insurance jargon into understandable terms, assisting you in making best-disposed choices.

Contact Fuhriman Insurance Agency Today!

Set your business insurance concerns aside by contacting us at Fuhriman Insurance Agency. Positioned in Boise, ID, we have seasoned agents to guide you toward enhanced business protection and ensuring peace of mind. The professional assistance combined with extensive coverage options ensures comprehensive protection for your enterprise. There’s no need to settle for less when our expert team is at your disposal, ensuring your business remains progressive.

As a business owner, you understand how complicated it is to have a company. There are many things to take care of to help your business grow and succeed. You should consider the interests and needs of employees working for you is important. Also, buying business insurance is one of the most efficient methods to protect your business. 

What does commercial insurance cover?

Usually, commercial insurance pays for the expenses of lost business income, commercial property damage, lawsuits, and other losses. You can purchase several coverages to ensure your business is fully covered. 

What are the various types of commercial insurance?

Depending on the type and features of your business, there are several types of business insurance to consider. The most common are general liability insurance, commercial property insurance, business income insurance, and more. 

What are the benefits of having commercial insurance?

The main benefit is the protection of your business. Each type of commercial insurance protects businesses in different ways. Protecting your business is the most important thing for any business owner and investor because of the energy and effort they have put into it. 

If you are thinking of getting business insurance for your company but still have questions or do not know where to start, Fuhriman Insurance Agency is here to help you. Our agency has served clients in Boise, ID, and other areas. We specialize in commercial insurance, as well as other types of insurance. For more information, you can either call us or visit our website. 

When you own a business, it’s essential to have workers’ compensation insurance, often called workers’ comp, to protect your business and employees. This insurance provides clear benefits to both. No business with any number of employees should be without it. Even if you only have seasonal help, getting this insurance is important before they begin to work for your business. Call us at Fuhriman Insurance Agency in Boise, ID, when you need workers’ comp insurance.

Protecting Your Business

One of the reasons that you need this insurance is because it gives your business valuable coverage. When you have employees and workers’ comp insurance, it will pay for the costs associated with an accident or illness at work. This includes if an employee contracts an illness related to their job. Accidents often lead to injuries, and these can be expensive. It could irreparably damage your business if your business has to pay for the medical bills, legal costs, lost wages, etc. These costs can be extremely high and may damage the entire business. 

Protecting Your Employees

An expensive accident or illness on the part of an employee could be complicated for a small business to pay for. If an employee gets injured or ill at work, they need to have the funds available to pay for their costs. When you have workers’ comp insurance for your employees, they’ll know that there is protection in case the worst should happen. Even if the problem is costly, the funds will be available for the employee’s related costs. 

Get the Coverage Your Business Needs

If your business doesn’t yet have workers’ comp insurance, it’s time to get your policy. Call us at Fuhriman Insurance Agency in Boise, ID to learn more. 

     

Commercial insurance can protect your livelihood as a business owner in Boise, ID. At Fuhriman Insurance Agency, we provide commercial insurance to area businesses. 

Here are a few essential rules to follow when you insure your commercial venture. Below are four rules to follow when it comes to your commercial insurance. 

Don’t wait too long to buy commercial insurance.

Many business owners make the mistake of assuming their company is still too small to need insurance. However, companies of all sizes can benefit from being insured. That’s why you should purchase commercial insurance early in your company’s history. 

Know what your company’s risks are

Doing a detailed risk assessment will allow you to determine precisely what types of coverage you need and how much coverage you should invest in.

A risk assessment can help you make decisions about commercial insurance, optimize operations, and improve safety at your company. 

Take time to explore options.

Do your research on commercial insurance options by contacting a few insurance providers and getting policy quotes from them. Comparing your options will make you confident that you’ve made a good choice when you buy a policy. 

Make changes to your coverage when necessary.

As a business owner, you most likely have ambitious goals for growing your company. Your company’s insurance needs will change as your company grows, so many necessary changes to your commercial insurance policy to keep up with changes. 

Are you ready to insure your company in Boise, ID? At Fuhriman Insurance Agency, we can answer your insurance questions and provide you with a quote on a policy. Get in touch with us today!

If you have a pest control business, you have unique insurance needs. At Fuhriman Insurance Agency in Boise, ID, we offer commercial pest control insurance to protect your business and assets. 

General Liability 

As an exterminator, a general liability policy is essential. It protects you if a client’s property is damaged or they are injured. 

General liability will cover their medical expenses if they get sick from the chemicals you applied. If their couch is damaged while you are spraying, this is also covered. It also provides coverage for false advertising and copyright infringement. 

Worker’s Compensation

If you have any employees, workers comp insurance is a good idea. Your job is risky for you and your employees. If they are injured or become ill due to the job, their medical expenses and lost wages are covered under worker’s comp. 

Worker’s compensation insurance can also cover you, even if you have no other employees. 

Commercial Auto Insurance

Your standard auto policy will cover you while driving to work. However, you probably need a commercial auto policy if you carry equipment. 

This policy will also cover employees when driving a company vehicle. 

Business Property Insurance

Do you have an office? A storefront? Do you have a building where you store your exterminator equipment? You need business property insurance if you answered yes to any of these questions. 

This policy will cover your building, as well as your equipment. If someone steals or damages your equipment, or there’s a fire, you’ll be able to replace the building and any lost equipment. 

Pest Control Insurance at Fuhriman Insurance Agency

If you need pest control insurance in Boise, ID, contact us at Fuhriman Insurance Agency. Our friendly agents are happy to discuss your options and help you get the proper coverage. 

The unthinkable can happen in business, so it’s good to be prepared. You might need to file for an insurance claim at some point, whether your employee gets into an accident with a business vehicle or gets injured at work. If you have general liability insurance, you are already a step ahead but may need commercial umbrella insurance for your business. Check out these reasons why you should have umbrella insurance in Boise.

It Saves You Money

Paying premiums can be challenging, especially if you already have other types of business insurance. However, premiums are much lower than the liability costsiability should anything happen to your business premises, vehicles, products, or employees. With umbrella insurance, you don’t have to worry about saving vast sums of money to use as emergency funds because the insurance covers the extra costs.

It Provides Extra Protection

Umbrella protection provides additional coverage to your existing coverages, so it is the last option when the other coverages have reached their limits. Umbrella insurance provides handy financial protection in case of vendor or customer lawsuits.

It Gives You Peace of Mind

The business world is risky, and anything could happen at any time. It could be an accident, a lawsuit, or even an injury that involves you or your business. Umbrella insurance gives you peace of mind that you won’t have to worry about surviving an incident that affects your business financially.

All Businesses Can Benefit

In Boise, ID, all businesses can qualify for commercial umbrella insurance if registered. Whether your company has two or more than one thousand workers is fine. You only need to find the right umbrella insurance provider, understand the terms, and protect your business. 

Contact Fuhriman Insurance Agency

Umbrella insurance is a valuable investment that you should consider for your business in Boise, ID. If you want to sign up for umbrella insurance and need assistance, contact Fuhriman Insurance Agency for advice and get started immediately.