Three things you should know about pest control insurance

As the owner of a pest control business, you need to be insured for the unique financial risks that your industry entails. Investing in pest control insurance can help you to protect the financial stability of your business. At Fuhriman Insurance Agency, we offer pest control insurance in Boise, ID.

The following are three things you should know about pest control insurance.

Pest control insurance is uniquely designed to insure fumigators/exterminators.

A business owner needs to invest in a commercial insurance policy uniquely tailored to their particular industry. A pest control insurance policy is the best commercial insurance option for fumigator and exterminator companies. 

A pest control business is a unique type of business.

As the owner of a pest control business, you are aware of the fact that your business faces some unique risks.

Pest control companies need to apply pesticides to the properties of their clients. This can entail certain liability risks. Events like leaks, spills, or oversprays can lead to liability damages that can be very costly. That’s why pest control insurance is important. 

Pest control insurance offers a variety of coverages including liability, property, and workers compensation coverage.

Pest control insurance doesn’t necessarily just provide liability coverage for mistakes. A pest control insurance policy can also include coverage for a company’s own properties as well as worker’s compensation coverage. 

A pest control insurance policy is a commercial insurance policy that’s uniquely designed to meet the needs of companies offering fumigation and extermination services. 

Are you searching for the right pest control insurance policy in Boise, ID? We can help with that at Fuhriman Insurance Agency. Contact us to learn more about our pest control insurance policy offerings. 

3 Reasons Why You Need Umbrella Insurance

When you hear the word insurance do you shy away? If so, is it because you think you can’t afford it? But can you afford NOT to have insurance? The answer is no. Insurance is protection against unforeseen events. If you knew something was going to happen you could prepare for it, but even with as much caution as you put into daily living, accidents do happen. 

Chances are you already have insurance policies, such as auto, home, and life, but is this coverage enough? Have you determined whether you’re fully covered if something were to go wrong? To put your mind at ease, it’s always best to have maximum coverage, according to our team at Fuhriman Insurance Agency. This means having a full auto insurance policy rather than the minimum, for example, but it also means purchasing umbrella insurance.

What is Umbrella Insurance?

Umbrella insurance is added protection that you purchase in addition to your standard policy. This means that if you submit a claim for damage to your home or vehicle and it’s not enough to cover it, your umbrella insurance will kick in. It’s like having extra cash in the bank that you utilize only under certain circumstances.

Why Should I Buy Umbrella Insurance in Boise, ID?

Securing this type of policy not only gives you peace of mind, but it also protects your assets. Imagine someone falls down the stairs and breaks a leg at your home and then decides to sue you. Your homeowner’s and your umbrella insurance will be available to cover the cost of litigation, which everyone knows is expensive. 

Contact a Reputable Agent Today

To learn more about purchasing umbrella insurance for maximum protection, contact Fuhriman Insurance Agency, serving the Boise, ID area, today. 

Preparing for pest problems in Boise, ID

There are various kinds of insects, rodents, and other pests who live in the Boise, ID area. Homeowners and property owners should know that they can suddenly experience an infestation and structural damage if these problems get out of control. Preventive pest control measures are one of the best ways to protect against this possibility. There are some companies that can start to treat a home and prevent it from ever being overrun by pests and insects if some protective measures are put into place beforehand. 

Learning about policy specifics

Some typical homeowner’s insurance policy may not contain coverage related to pests and termite damage. That is why it is crucial to purchase a new policy or a separate pest control insurance policy if necessary. The insurance professionals at Fuhriman Insurance Agency can give a more detailed explanation of the specifics of any policy related to pest control. 

Financial losses 

The most important reason to have pest control coverage is the possibility of costly repairs and treatments to repair a home and clear it of all pest activity. A homeowner may suddenly have to invest large sums of their own money that they do not have if they are suddenly attacked by pests due to things like changes in seasons, weather, and climate. The state of Idaho in particular has an environment that is ideal for certain insects and rodents. 

Getting assistance with pest control before problems arise

Anyone who wants to protect their property and lives in a pest prone area should contact agents at Fuhriman Insurance Agency. They will provide more information about their pest control solutions and answer any important and relevant questions.

Toy insurance: What is it and how much coverage do I need?

Riding four-wheelers, jet skis, trikes, boats, and motorcycles create great memories. If you own one or several of them, you may be wondering whether these huge and savory investments require some form of insurance to protect you from financial loss in case of accidents. The truth is, they also need a type of insurance known as toy insurance.

What is toy insurance?

Toy insurance is a type of policy that protects recreational and motorized toys such as boats, ATVs, and RVs. Like you already figured, these are costly investments that require insurance in case of theft, vandalism, or damage. 

What does toy insurance cover?

To protect what you value the most, you want to ensure that all the risks are considered and well-covered. Depending on what you own and the value of your toy, it is crucial to speak to a Fuhriman Insurance Agency agent to find out which coverages will be essential for your case.

Toy insurance covers the following:

  • Collision coverage
  • Property damage Liability
  • Bodily injury liability
  • comprehensive coverage
  • Uninsured and underinsured motorist

Do you need toy insurance?

A very big yes! No one is really safe from accidents everywhere in Boise ID. Your toy is also vulnerable to fire accidents, vandalism, damage from elements, natural disasters, and theft. The last thing you want is to lose your precious luxury companion to a fire hazard. Remember, this is a considerable investment that you cannot afford to replace immediately if it is damaged or lost. However, you have an excellent option of securing it with toy insurance. Toy insurance gives you the peace of mind you need, whether your toy is in storage or out and about. 

Every asset requires a form of insurance, particularly if it is a valuable asset. If you are still unsure which coverages will work best for you, Fuhriman Insurance Agency can help you make a decision. Feel free to contact us or visit us at our Boise, ID offices.

How Does Umbrella Insurance Work to Protect You?

Umbrella insurance is a type of insurance policy that is designed to provide coverage over and above the limits of an existing policy. For example, your Boise ID insurance agent can help you evaluate how much your home, auto, or boat insurance covers, and then help you add umbrella insurance to cover specific additional expenses. These policies typically cover bodily injury, landlord liability, personal injury, and property damage. Fuhriman Insurance Agency in Boise, ID can review your property, belongings, health, and lifestyle with you and help you decide on which types of umbrella insurance you may need. 

Accidentals or damages that result in high costs can happen to anyone, in any living situation. Unfortunately, these situations can quickly overwhelm your basic insurance policy. Umbrella insurance helps provide the additional coverage that you need so that you can replace your home and belongings or receive the healthcare that you need. After all, when you’ve just experienced a traumatic event, the last thing you want to worry about is how you’re going to pay to care for your family and their needs. 

Fires, floods, break-ins, and accidents can quickly cause devastating situations. Carrying basic insurance on your property is an excellent start, but it may not be enough. Adding umbrella insurance can help ensure that you have the things that you need and that you can keep your family safe. Reach out to the friendly professionals at Fuhriman Insurance Agency in Boise, ID, and schedule a consultation. We’ll talk with you about your existing property and current coverage, and help build the insurance coverage that works best for you. Contact us today to learn more about the plans that we offer. 

How much pest and control insurance should I buy?

If you run a pest control business in Boise, ID, you know better how risky things can get. The degree of risk, however, heavily depends on whether you have a pest control insurance or not. At Fuhriman Insurance Agency, we recommend buying adequate coverage to protect yourself and your business in case of a financial loss. In order to determine how much insurance, you need, it’s essential to assess your level of risk.

What types of risks do you face?

All businesses are exposed to a certain level of risks such as data breaches, fire, theft, employee injuries, and many more. Knowing the risk your business faces will equip you with the right information to choose the required coverages and the right amounts. The truth is–the pest control industry faces major problems than most average businesses. Some of the dangers that your business is exposed to include:

  •  Professional liability risks
  • Exposure to harmful chemicals and dangerous materials
  • Auto accidents when delivering or transporting  chemicals that leak
  • Damage to customer property
  • Employee injuries 
  • Environmental risks caused by the release of hazardous substances to the atmosphere.

Every pest control business requires a different level of coverage 

When it comes to insurance, there is never a one-size-fits-all type of coverage. Each business has specific needs based on the information provided. For instance, large pest control companies require more coverage than medium-sized companies. Your business location also determines how much insurance you will need as some environments are safer than others, and others are more prone to natural disasters than others. 

If you are running a small or medium-sized pest control business, you can save up on liability coverages because you have fewer employees. Therefore, it is prudent that you focus on other coverages like professional liability and tools and equipment coverages.

For more information about pest control insurance, feel free to speak to our insurance experts at Fuhriman Insurance Agency in Boise, ID today!

Why do I need an Idaho toy insurance policy?

Anyone that lives in the state of Idaho should consider getting a recreational toy. When you have any type of recreational toy, it will allow you to fully enjoy the great outdoors and weather in the area. If you do own a recreational toy in the Boise, ID area, you do need to consider your insurance needs. There are several reasons why you need to get insurance for your recreational toys.

Provides Liability Protection

One reason to get insurance for your recreational toys is that it can provide you with liability protection. Whenever you are operating any type of recreational toy, you are going to take on a risk that you could cause damage in an accident. If this does occur, you could be left having to pay some significant damage bills. To ensure that you are covered, you should get a recreational toy insurance policy.

Covers the Toy

Additionally, you will want to get a recreational toy policy because it will cover the toy. When you purchase any type of recreational toy, you are going to be spending a lot of money out of pocket. It could be devastating if this asset is damaged or stolen. To ensure that you are able to repair or replace it, you should get insurance as it will cover many situations that could result in a loss.

When you are looking for a recreational toy in the  Boise, ID area, you should call Fuhriman Insurance Agency as soon as you can. The team at Fuhriman Insurance Agency is very aware of how important this form of insurance coverage is. They can then help you to build an insurance policy that will provide you with the right type and level of coverage. This will ensure both you and your toy are properly protected. 

What is the point in having umbrella insurance?

Having insurance is a basic need for most adults, but basic policies may not fit the needs of everyone. This is why some residents of Boise, ID chose to take out extended coverage, in the form of umbrella insurance.

What is the point of it?

The point of taking out an umbrella insurance policy is to go beyond the basic coverage of a specific type of insurance. This does not include the dollar amount, but also the scope of its coverage.

As an example, your umbrella insurance policy can extend your car insurance to also include protection lawsuits.

Other types of damages found in a policy may include:

  • Slander or Libel lawsuits — If you are sued due to damages from your spoken or written word.
  • Court costs and legal fees — Lawyers are expensive, and courts have varying fees of their own.
  • Bodily harm — Sometimes, accidents go far beyond the expectations of your auto insurance, so you will need additional coverage.
  • Property damage — Destroying others’ property may have limited coverage among typical plans.

What You shouldn’t Get Umbrella Insurance For

While umbrella insurance goes beyond most regular plans, it still has a few limitations. Do not get it expecting coverage for:

  • Damages for business-related activities.
  • Malpractice lawsuits, or lawsuits against medical practitioners.
  • Covering worker’s compensation.

Umbrella insurance is also limited to protecting your liability, not your own needs. For example, if you have an injury, your primary form of insurance will cover it, not the extended umbrella plan.

If you feel you have a lot on the line, you may need to take out an umbrella plan in case something disastrous happens that will leave you hanging out to dry in court. If you need help considering the right move toward umbrella insurance, consider getting in touch with Fuhriman Insurance Agency if you’re in the Boise, ID area.

How will pest control insurance in Boise, ID benefit me or my business?

If you have a pest control business in Boise, ID, you understand the special challenges and risks you deal with. You have special equipment, at least one truck, and chemicals that could be dangerous if misused. The place where you store your equipment and supplies is also important.

At Fuhriman Insurance Agency, we understand how important it is to protect your business and your customers. With pest control insurance, you can protect all your assets in one place without having to deal with multiple policies from different companies.

What Might You Want to Cover with Your Pest Control Insurance?

  • Any automobiles you use, such as work trucks, can be covered with a commercial vehicle policy.
  • You can get commercial real estate insurance to protect your base of operations.
  • A liability policy will protect you in case of an accident if you are found to be liable.
  • You will want to make sure your insurance covers you if there is a fire, burglary, or other kind of disaster.
  • You can add on anything you need, depending on the needs of your company.

Every business in Boise, ID is at least a little bit different, and while you don’t want to leave yourself unprotected, you also don’t want to pay for any kinds of coverage you won’t really need. At Fuhriman Insurance Agency, we can individualize your policy so you only get the coverage you really want. If you have a pest control business you want to get the best protection for, please feel free to call and see how we can help you get the policy you need.

Why Umbrella Insurance is Essential For Idaho Residents Who Work With Children

Do you own a daycare or childcare facility in Boise, ID? If so, you should supplement your current insurance policy with umbrella insurance today. Working with children is one of the most rewarding job positions, but it also comes with a lot of risks that could permanently damage your business. At Fuhriman Insurance Agency, we offer our clients a supplemental option of liability coverage with umbrella insurance. 

What is umbrella insurance?

This is a supplemental liability policy for individuals who want to protect their assets should they be sued and need to pay damages beyond the initial policy. For these daycare workers, umbrella insurance can provide financial protection should you be found responsible for damages. 

Accidents can happen.

If you work with children, accidents have the potential to happen. While a childcare worker may not maliciously intend for any damage to be done while under their care. With umbrella insurance, if you are at fault and your initial liability policy does not cover the cost of your damages, your umbrella insurance policy will pick up the difference. 

Umbrella Insurance builds a positive reputation. 

When a child care worker takes on umbrella insurance for coverage, they are seen as responsible and considered more frequently than others. With the need for child care growing in Boise ID, it is good practice for these individuals and businesses to pursue umbrella insurance as a layer of financial protection. 

This coverage is a supplemental policy and not a primary coverage option. If you live in the Boise, ID area and are looking to acquire umbrella insurance, give our agents at Fuhriman Insurance Agency a call today to get more information about the coverage and supplementing it to your home, vehicle, or business today.