Does Commercial Insurance Cover Errors and Omissions?

Dealing with a pest invasion either at home or office is a hectic and troublesome experience. When faced with such menace, contacting a professional exterminator is the way to go. Pest control is critical in keeping pest nuisance away. As much as control measures are vital, some risks come into account. Fuhriman Insurance Agency in Boise, ID, is your trusted partner in coverage services.

Why Is Insurance Necessary?

Pest control insurance is not a mandatory requirement. However, once your pest control company gets insured, you enjoy peace of mind knowing that your Agency covers your operations. Additionally, commercial insurance makes a business more marketable to current and potential customers.

Professional pest exterminators need insurance companies to protect their businesses from unexpected incidences. They include termite damages, misapplication of chemicals, destruction of client’s property during practice, injury to workers, and chemical spills. Overlooking the occurrences result in pest companies paying for damages from their pockets if they lack proper insurance.

Insurance Covers for Pest Control Companies

General Liability

The insurance policy protects pest control companies in the event of unforeseen claims and lawsuits. For example, client injury caused by equipment left by a company employee could result in possible prosecution. Thankfully, having a liability cover insurance package takes care of any medical and legal costing undertaken. General liability insurance also covers property damage that results from the pest extermination exercise.

Employee Insurance

It is a requirement to cover both part-time and full-time employees. The insurance package covers medical bills for injuries or illnesses acquired in the workplace. Employees constantly deal with hazardous chemicals, risky to their health, thus making the cover vital.

Commercial Auto Insurance

All business vehicles must have insurance cover. It protects the driver and the car in case of an accident. A pest control company should not put its employees and vehicles at risk thus should have valuable commercial vehicle insurance.

If you are in Boise, ID, contact Fuhriman Insurance Agency today to purchase a pest control cover.

How Commercial Insurance Can Protect Your Business

Anyone who operates a business wants to make sure they’re protected from the dangers that can come along with that role. One of the best ways to get that protection is through commercial insurance. This type of policy is designed to make sure your business has the coverage it needs if something should go wrong. Examples of that include employee or customer injury, faulty products, harassment, and other issues that could befall a company. If you’re in the Boise, ID area and have questions about this kind of insurance protection, the Fuhriman Insurance Agency can help.

You don’t have to keep an old policy you’ve had for a long time without any updating, or just choose a basic policy and hope it will be enough to keep your company safe. There are many options for the type and level of coverage you want and need for your company. From a customer falling in your lobby to an employee being injured in the course of their work, there are options for strong levels of protection. If your company does a lot of work online, the risk of cyber incidents also warrants protection from malicious people who may try to cause problems.

For anyone who has a business in the Boise, ID area and may need commercial insurance, there are options for help and information. Reach out to us at the Fuhriman Insurance Agency today, and let us give you the information you need about commercial coverage for your company. Then you can choose the right option for your needs, and make sure you’re covered both now and as your business continues to grow in the future. That adds a higher level of peace of mind and helps ensure you can continue working to build your company.

Commercial Insurance Requirements in Idaho

Whether you own a large business with hundreds of employees or only a couple, Idaho law requires that you carry several types of insurance to protect both your business, your employees, and third parties should an accident or incident occur. First, if your business employs one or more people regardless of whether they are seasonal, part time or full time employees than state law requires that you carry workers’ compensation insurance. This type of coverage helps pay for medical bills and lost wages associated with an illness or injury that an employee sustained while working. Second, any vehicles that are owned by the company must be covered by a commercial auto insurance policy. Lastly, although it is not required, any business that asks their employees to use their personal vehicles for work purposes like delivery should strongly consider hired and non owned auto insurance because personal policies are highly likely to exclude business use from coverage which could leave an employee exposed for hundreds of thousands of dollars if an accident occurs.

In addition to the aforementioned required insurances, businesses can select from a number of auxiliary options depending on their use case. For example, if your company is at a higher risk of a data breach that could expose sensitive customer information then cyber liability insurance may be an extra coverage that provides peace of mind by helping to pay for losses associated with cyber attacks. At Fuhriman Insurance Agency in Boise, ID we strive to provide excellent service by learning the ins and outs of your company so we can offer personalized insurance recommendations that meet and exceed your needs. Give us a call today to schedule your no obligation consultation with a member of our team.

What Does Worker’s Compensation Cover?

If you live in the Boise, ID area and own a business or work for a company, then you should be well-informed about worker’s compensation insurance. You might be wondering what that term means and what that insurance type covers. Luckily, the experts at Fuhriman Insurance Agency can show you the in’s and out’s of worker’s compensation insurance and why you should be sure to have it. 

What Is Worker’s Compensation?

Worker’s compensation is a type of insurance that is provided by an employer to an employee. Worker’s compensation provides financial coverage for an employee that is injured or worse on the job. For those that are unfamiliar with worker’s compensation protection, here are some areas for which worker’s compensation provides coverage: 

  • Personal damage
  • Paid time off
  • Medical costs
  • Ongoing care costs
  • Funeral expenses 
  • Injury-related expenses

These are just some of the areas in which worker’s compensation can provide coverage. The specific coverage types and amounts will depend on what kind of worker’s compensation is offered by the employer and what type of policy you choose. To help you know your options and find the best possible coverage, visit Fuhriman Insurance Agency to find the perfect coverage policy for you. 

Why Is Worker’s Compensation Important? 

Worker’s compensation provides relief for an employee injured on the job, but it also holds the company liable for providing a safe work environment. By offering this type of insurance, an atmosphere is created that stresses safety in the workplace and guaranteed protection financially. Ultimately, it takes a huge amount of stress off of an employee who gets injured on the job. 

Stay Covered with Fuhriman Insurance Agency

To help you stay covered on the job, visit Fuhriman Insurance Agency to find the best coverage type for you. You’ll also want to talk with your employer. Our office serves the Boise, ID area. 

Commercial Insurance: Is Liability Enough?

Liability insurance is the most important part of your commercial insurance policy in Boise, ID. Even if your savings alone can rebuild the entire store after a fire, even if you run a home office and don’t have much physical property to insure in the first place, liability expenses can cost several times what you make in a year. One injury can bankrupt not only your business but your personal finances as well. So liability is, no matter what, an absolute must.

But is it enough?

The answer is that it depends on the nature, size, and scope of your business.

For some businesses, such as those that work entirely online through a cell phone and a team of freelancers, liability should be enough as long as you have the right kind of liability insurance. Advertising liability can help you out if anyone takes one of your newspaper ads for slander. Errors and omissions can save your business in the event of severely misfiled paperwork. It depends on what your particular risks are.

Some businesses with physical locations would rather rely on their savings to replace and repair as needed than buy insurance. This is your choice, of course, but it’s not always a great idea. As a wise man once said: If you can’t buy it twice, you can’t afford it. Even if you have the money to rebuild should your restaurant burn down, your insurance will kick in right away once you get signed up, and then you can put those savings towards expanding or improving the business.

Our advice: Call us at Fuhriman Insurance Agency or visit the Fuhriman Insurance Agency website and let’s work it out. We can compare quotes for you to get the coverage you need in Boise, ID, but more than that, we can help you to figure out what you need in the first place.

Are All Companies Required To Carry Workers Comp?

The law tends to vary from state to state, but generally speaking, if you have workers, you are required to carry workers comp.

In some states, like Arkansas, if you only have one or two employees, you can buy workers comp at your discretion. In Texas, it’s not a legal requirement, but employers will be held liable in the event of an on-the-job injury.

If you’re hiring contractors and freelancers, you’re not generally required to cover them on workers comp as they typically bring their own insurance, if necessary.

The question of need extends beyond legal requirement, however.

In every state in the union, if an employee is injured while performing their job duties, you can be held liable, and the expenses of even a single injury can sink a typical Boise, ID business. Even if you can afford to cover it, that’s a lot of money to pay out of the corporate account or even your own pocket.

You’ll want to check what the law is in your state as soon as you begin hiring fulltime employees, but it’s generally not a good idea to go without workers comp, whether or not you are legally obligated to carry it.

If you’re looking to get your people covered in Boise, ID, get in touch with Fuhriman Insurance Agency and see what they can do for you. Whether or not you are legally required to carry worker’s compensation, it can make a big difference in the future of your business. Even in a relatively low-risk work environment, injuries can happen, and when they do, it’s good to know that an insurer like Fuhriman Insurance Agency has you covered.

5 Ways Commercial Insurance Protects Your Business

If you’re operating a business or thinking about starting one, commercial insurance is probably on your list of things to do. It’s a good idea to make sure you have the right level and type of coverage, so you can be properly protected and have what you need to be successful. But you might not be sure exactly what type of coverage your Boise, ID business needs. At Fuhriman Insurance Agency we can help you find the right coverage so you can feel good about your policy. Then you can focus on the things that matter most to you, and leave the insurance worries to us. Here are five ways a business policy will protect you.

1. You’ll have peace of mind, so you can focus on operating your business properly

2. You’ll be covered if there’s a problem with your building such as a natural or man-made disaster

3. Your employees will be protected if something happens to them at work

4. Your clients will be protected if they should become injured when they’re on your property

5. You can change or adjust your policy to keep you protected as your business grows

You don’t have to settle for less than the best when it comes to a commercial insurance policy you can rely on. Contact us today at Fuhriman Insurance Agency and let’s get started protecting your Boise, ID business properly. Whether you’re about to launch your business or you’re thinking about changing your policy as your company’s needs change, we can help. Give us a call or stop in and see us, and we’ll be happy to answer your questions. We know insurance options can be confusing, and we want to take away that stress so you can get a good insurance policy and then focus on running your business.

Why You Need to Get Commercial Insurance When you are in Idaho

If you have a dream of owning a small business, one great place to start your company is in Boise, ID. One of the main advantages of starting a company here is that there is a great local economy. While there is a lot of opportunity that comes with starting a business in Idaho, there are also some risks. One way to mitigate some of these risks is by getting commercial insurance. There are several reasons why you need to get commercial insurance.

Protects Your Investment

One reason to get commercial insurance is that it can help to protect your investment. When you are going to start a company of any size, you will need to spend money on inventory, equipment, and other assets. If there is a fire or other type of damage-causing situation, you could end up losing this investment. Fortunately, commercial insurance will be able to protect you in these situations.

Gives Liability Protection

Business owners also need to make sure that they are protected from liability. If you are found liable for an accident, the impact could be devastating. Fortunately, when you have commercial insurance you will receive coverage for these situations. 

If you are an owner or a manager of any kind of company in the Boise, ID area, it is clearly very important that you get a good commercial insurance policy. When you are looking for insurance for your company, you should contact Fuhriman Insurance Agency. The insurance team at Fuhriman Insurance Agency can help you to better understand all of the options that are available for small businesses. They can then help you to build and choose a policy that will provide you with the right type and level of coverage. 

What Should Contractors Know about Workers Comp Insurance?

Workers compensation insurance in Boise, ID is to cover medical costs and wages that result from a work-related injury or illness. Policies also cover funeral expenses in the unfortunate event that an employee dies. In Idaho, every business with one or more employees, whether they are full time or part time, must carry workers comp insurance.

Contractors will typically not need workers compensation for themselves. Sole proprietorship and partnerships are also included here. Even though workers compensation for an independent contractor isn’t usually required, you do have the option to cover yourself by choice. This can be a good idea in case you get seriously injured and rack up a lot of medical bills.

Workers compensation will be required for independent contractors when they are hiring employees. If you are hiring subcontractors then you should also have workers compensation coverage. For example, if you have a cleaning business and hire an extra cleaner for a big job, and the subcontractor falls down a staircase, you could be sued. If he doesn’t have insurance for himself, he can be entitled to file a claim against you. While it may not happen often since the subcontractor has to prove that the injury was caused by working for you and your negligence, it can happen and it can be expensive and time-consuming to resolve this in court.

As a hired contractor, you can’t be responsible for whether or not your employee chooses to cover themselves with workers comp insurance. Instead of having workers comp insurance, the best thing that an independent contractor should have is general liability insurance, whether or not you have employees. An agent at Fuhriman Insurance Agency can help you with a policy. This can save you a lot of money that you may otherwise have to spend on damages or lawsuits and it covers more than just injuries.

Contact Fuhriman Insurance Agency, serving Boise, ID, to get a quote on workers comp insurance.

Why does my small business need commercial insurance

As a small business owner in Boise, ID, there are many things that may be on your mind. Whether or not you need commercial insurance may be one of the things you have been thinking about. At the Fuhriman Insurance Agency, we are always available to give you any advice that you may need before making such an important decision. Every business is unique and has its own set of needs. 

Your small business needs commercial insurance because things happen. Not all things that happen are good. Some of them can really impact your ability to do business. Things like a fire or a severe wind storm can damage the building where your business is located. If you don’t have commercial insurance how will you be able to repair the damages? In the event that something happens to your building, how will you be able to pay your employees or to replace the damaged inventory? How will you be able to have an income while your business is out of business? If your answer is I don’t know, the answer is you need to have commercial insurance. 

If someone visits your business location and is hurt or is hurt by one of your products and decides to file a suit against you how will be able to afford legal counsel or to pay any judgment against you?  Again this is where your small business benefits from commercial insurance. 

These are just a few of the reasons why you need commercial insurance for your small business. Why not give our knowledgeable agents at the Fuhriman Insurance Agency in Boise, ID a call or stop by our office and let us help you design a policy that meets all your particular needs. Our website can also supply some valuable information. We are always happy to give you a no-obligation quote.