Exploring Lesser-Known Commercial Insurance Coverages

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. 

How Workers’ Compensation Insurance Works

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.

How Does a Commercial Insurance Policy Protect You?

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.

Commercial Insurance: FAQs

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

Why Every Business Needs Workers’ Comp Insurance

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. 


Four rules to follow when it comes to your commercial insurance

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!

Why Do You Need Pest Control Insurance?

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. 

Four Reasons Your Business Needs Umbrella Insurance in Boise

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.

How To Calculate Commercial Insurance Needs

Commercial Insurance is an essential tool for providing coverage against risks and losses. Calculating the right level of insurance is imperative. That’s why you need the assistance and resources of our insurance experts at Fuhriman Insurance Agency, proudly serving the residents in Boise, ID. 

Calculating Insurance Protection 

If you’re currently in the market for commercial Insurance, you’ll need to know what level of protection is ideal for your type of business and assets. Working with an insurance professional can make this process much easier. They can take the time to calculate your current insurance needs and provide you with policies that meet or exceed those needs. In most cases, the value of the business and its assets are lumped together, and the next highest level of coverage available is selected to ensure there are no gaps in coverage and adequate Insurance in place.

Our insurance agency is committed to assisting our customers with selecting the right policy. We carefully explain the terms and conditions for each option and assist with submitting documentation and other details to secure the policy. We also support any changes during the policy’s lifetime and even claim submissions. We believe in working with our customers to help them get the customer service necessary for peace of mind.

Reach Out to Fuhriman Insurance Agency Today 

Anyone in the market for quality commercial insurance products should call or stop by the office of Fuhriman Insurance Agency. We are proud to offer a full range of products and services to the residents of Boise, ID, and the surrounding areas. Don’t wait to get the protection and security offered by commercial insurance. Let us work with you to help you avoid risks and losses.

Should all Idaho businesses get workers’ compensation insurance?

The Boise, ID area continues to be one of the fastest-growing parts of the country. Along with this growth, it has become a great place to start and run a business. If you would like to be a business owner here, it is essential that you carefully assess your insurance needs. One necessary type of coverage to get is workers’ compensation insurance. There are various reasons why you should get this coverage. 

Cover Medical Expenses for Employees

One of the reasons for having workers comp insurance is that it can cover medical expenses for your employees. This type of insurance is designed to offer support to an employee if they are injured while at work. This can cover medical bills and replace lost wages. This is a valuable benefit to be provided to your team members. 

Reduce Liability Risks

With workers’ compensation insurance, you can also reduce your liability risks. If you do not have this coverage and someone is hurt, they are more likely to file suit against the business to receive support. With workers’ comp coverage, you can reduce this risk. 

Meet Requirements

Similar to other states, many businesses in Idaho are required by law to get workers’ compensation insurance. If you have employees or contractors on your payroll, you must meet the requirements. If you are not adequately insured, you could face various penalties. 

Being a business owner can be a great idea if you want to be your own boss in the Boise, ID area. If you own a business, you should call our team at the Fuhriman Insurance Agency. Our professionals understand the importance of workers’ compensation insurance and your options. We can ensure you choose a plan to meet your business needs.