What is toy insurance, and what all does it cover?

Many people have expensive toys like snow machines, four-wheelers, and other fun recreational motorized vehicles. These toys can be costly to replace if you get into an accident. Because of the expensive nature of ATVs, getting insurance for those toys might be a good idea. What exactly is toy insurance, and what does it cover?

What is toy insurance?

Toy insurance covers big expensive toys such as four-wheelers and golf carts. It is necessary to keep these toys maintained so that they stay in working order. If you happen to get into an accident or something damages your expensive toy, insurance will help cover the costs to replace or repair it.

What does toy insurance cover?

Medical payments

Like auto, boat, and RV insurance, toy insurance has the option for medical payment coverage. If you get into an accident and someone in your party gets injured, your insurance coverage will step in to help pay for those medical expenses.

Liability

Almost everything has liability as part of the coverage options, and toy insurance is no exception. Liability insurance covers property damage, injury to other parties, and legal fees if you are at fault for an accident.

Uninsured and underinsured motorist coverage

Sometimes you get into an accident that is the other person’s fault. If so, their liability insurance will help cover your expenses. What if they don’t have any insurance or don’t have enough to cover the total cost? That is where uninsured and underinsured motorist coverage comes in. If you have that as part of your policy, your insurance will cover the damage expenses that the other person caused.

Contact Fuhriman Insurance Agency

If you need toy insurance for your ATV, contact us at Fuhriman Insurance Agency in Boise, ID.

How much umbrella insurance should I get?

When getting the right amount of umbrella insurance coverage, you want to make sure you’re considering all the potential risks and liabilities that could occur. You don’t want to leave yourself or your family underprotected, but at the same time, you don’t want to overpay for coverage you may not need. That’s why working with an experienced agent from Fuhriman Insurance Agency in Boise, ID is essential – we can help you get the right amount of protection. 

What is Umbrella Insurance? 

Umbrella insurance provides extra liability coverage beyond what a homeowner’s policy or auto policy covers. If someone sues you for damages beyond what your current policies cover, an umbrella policy will provide additional protection for these losses up to its limit. This type of coverage is often used when liability claims exceed the limits of a person’s existing policies, such as auto and homeowners insurance. 

How Much Coverage Do I Need? 

It depends on your individual situation, but generally speaking, most people should consider getting at least $1 million in umbrella coverage. This level of coverage will protect you if someone sues you and wins a judgment against you that exceeds your existing homeowners or auto policy limits.

When deciding how much umbrella insurance coverage to get, there are several factors to consider, such as your income level and assets owned. It’s also important to consider any high-risk activities or hobbies, such as skiing or boating, that could increase your risk for liability claims. 

For more detailed advice about how much umbrella insurance is right for you in Boise, ID, contact an experienced agent at Fuhriman Insurance Agency. We can help determine what type and amount of protection fits your situation.

The Different Types of Offroad Toys That You Can Enjoy

There are many different types of recreational toys that you can find on the market. Each one offers its own set of benefits and features. Here is a look at some different offroad recreational toys from Fuhriman Insurance Agency of Boise, ID.

The Different Types of All-Terrain Vehicles

One of the most popular types of ATVs is the four-wheeler. Four-wheelers are typically smaller and lighter than other ATVs, making them easier to maneuver and handle. They also have a lower center of gravity, which makes them less likely to tip over.

Another popular type of ATV is the six-wheeler. Six-wheelers are larger and heavier than four-wheelers, but they offer more stability and traction. They are ideal for driving on rough terrain or in off-road conditions.

The Different Types of Utility Terrain Vehicles

Utility ATVs are designed for work purposes, such as hauling equipment or supplies. They are typically more extensive and more powerful than other types of ATVs. Many utility ATVs also have special features, such as a dump bed or a plow.

The Different Types of Side-by-Sides

Side-by-side ATVs are becoming increasingly popular, especially for those who want to use their ATVs for recreation or utility purposes. Side-by-side ATVs have two side-by-side seats, rather than one in front of the other. This design offers more stability and allows for more passengers to ride together.

Other Types of Recreational Toys

There are also several specialty ATVs on the market, such as racing ATVs and dune buggies. Racing ATVs are designed for speed and agility and are often used in competitive events. Dune buggies are designed for off-road driving and are often used on dunes or rough terrains.

If you’re looking for recreational toy insurance in Boise, ID, look no further than Fuhriman Insurance Agency. We can help you insure your toys so you can enjoy them worry-free. Give us a call today to learn more about our coverage options.

Will umbrella insurance cover things that my primary insurance doesn’t?

Umbrella insurance is designed to act as a second insurance policy. In other words, it’s designed to act as "extra insurance" that kicks in after your primary insurance limits have been exhausted. Our team at Fuhriman Insurance Agency is committed to helping Boise, ID residents understand umbrella insurance and what it can do for them. 

How Does Umbrella Insurance Work?

Umbrella insurance only kicks in if your primary insurance fails to cover something or the maximum limits of your primary insurance have been reached. The limitations of your primary insurance must be exhausted for umbrella insurance to kick in. Umbrella insurance can also cover things not covered by a primary insurance policy if the non-covered situation is something that umbrella insurance would typically cover. However, this is a rare occurrence because umbrella insurance isn’t designed to operate as primary insurance. 

Will umbrella insurance cover things that my primary insurance doesn’t?

As mentioned above,  umbrella insurance isn’t primary insurance. It’s secondary insurance. However, there are rare situations when a primary insurance policy may not cover something that’s covered by an umbrella insurance policy. In these situations, umbrella insurance would cover what’s not covered by your primary insurance policy. Instances like this are rare because many insurance companies will do their due diligence to ensure that your primary insurance provides the coverage you need. The umbrella insurance will only kick in if the policy limits are maxed out. 

Other Considerations…

Umbrella insurance isn’t designed to cover your car, house, or possessions. It covers the cost of injury to others as well as damage you may cause to other people’s property. It covers what your primary insurance excludes and exceeds beyond primary policy limits. If you have questions regarding the benefits of umbrella insurance, call us. We’re standing by. 

Environmental Risks Covered by Pest Control Insurance

When you contact Fuhriman Insurance Agency serving Boise, ID about insuring your pest control business, you might find it surprising that we have pest control insurance at the ready. It protects your business in ways other companies receive protection from commercial insurance, but a pest control policy also protects your company from the environmental risks it undertakes.

Pest control insurance refers to an insurance bundle consisting of a business owner’s policy and other policies, including environmental risk insurance and pollution liability policy.

What does environmental and pollution insurance cover?

Damage or illness incurred by an individual or group due to your company’s treatment of their home, office, or the structure adjacent to theirs.

Certain aspects of pest control can cause issues for those around the home or business treated for pests. This includes the following:

  • Soot
  • Smoke
  • Vapors
  • Fumes
  • Alkalis
  • Toxic chemicals
  • Acids
  • Liquids or gases
  • Waste materials
  • Other irritants & contaminants

Your Environmental Liability

Your pest control business aims to make things safer for those in the home or business that you spray for pests. Still, sometimes, due to faulty tenting or venting, your pest control substances may cause a problem for another individual or family.

Your pollution liability and environmental components of your pest control insurance protect your financial security by covering the medical costs of those individuals and any settlement from the illness.

Contact Us

Contact Fuhriman Insurance Agency, serving Boise, ID, for more information on insuring your pest control service. Let us help you protect your financial security with the appropriate coverage for your pest control business, so your liability remains covered, and you can operate your business with peace of mind.

Why Should I Bother with Pest Control Insurance?

From pesky crawlers to giant rodents, pest control companies do a critical job of keeping unwanted species from your premises. All this is important to keep the client’s premises healthy and safe. Unfortunately, if you are an exterminator, you have to contend with certain risks, just like any other business. But thank goodness, you can count on pest control insurance from Fuhriman Insurance Agency to protect your Boise, ID pest control business.

Why pest control insurance matters

In business, we are always looking for ways to keep costs in control. However, in your cost-cutting strategy, don’t be tempted to shave your insurance budget, especially pest control insurance if you offer extermination services. Pest control insurance is an asset for your business because it protects you in the following areas:

Liability protection

There are so many areas that can go wrong when offering pest control services. Your employee could spray on your client’s expensive electronics, causing damage. Your products could also harm your client. Unfortunately, when you are accused of property damage and bodily injury, the claims are so high to the extent of bringing your business down.

Luckily, investing in pest control insurance can cushion you against liabilities.

Protects your employees

Pest control insurance contains an aspect of worker’s comp insurance that protects your employees when they get ill or sustain work-related injuries. This coverage covers medical costs and partial loss of income for injured workers who can’t resume work.

Protects your business finances

Not convinced with why you should invest in pest control insurance? Figure out how much it would cost if you were faced with a lawsuit. Also, think of how much it would cost to finance employees’ medical costs.  Since these costs can take a toll on your finances, you need pest control insurance to protect your business capital.

Buy pest control insurance in Boise, ID

Want to protect your extermination business with pest control insurance? Please get in touch with Fuhriman Insurance Agency for an affordable quote.

Perks of Umbrella Insurance Idaho Residents Should Know About

Umbrella insurance is an insurance policy that Idaho residents can get that will protect them from legal liabilities after other liability policy limits are met. This insurance policy can protect you from financial losses in the event of a legal crisis.

At Fuhriman Insurance Agency, we help Boise, ID residents stay protected from financial losses in the event of a major liability. Learn about the perks of umbrella insurance here.

Key Benefit of Liability Insurance

The key benefit of liability insurance is that it will cover you when there is a legal liability after other liability limits are met. When you have an accident at home or with your car for which you are held liable, you will file claims through your home or auto insurance policy.

If the claim is higher than your policy coverage, you can use umbrella insurance to fill in the gaps. The main benefit of umbrella insurance is that it has higher limits than general liability coverages.

Umbrella Insurance Covers More

Umbrella insurance covers more than just topping up your general liability coverage. If you are being held liable in a lawsuit for defamation, false arrest, or malicious prosecution, you can use your umbrella insurance to qualify for that.

This coverage helps you to protect yourself in the event of a potential financial crisis. You will keep your assets, and be protected against multiple liabilities. When an unforeseen problem arises, umbrella insurance is there. 

Get a Quote

If you are looking for a little extra liability coverage in the event of a crisis, umbrella insurance could be the answer. This will provide an umbrella over your other general liability policies to cover you when an accident or legal problem arises. 

At Fuhriman Insurance Agency, we want Boise, ID residents to be protected from financial losses through life’s liabilities and unexpected legal challenges. Call us for a quote today.

Why You Need Pest Control Insurance

Pest control insurance offers pest control professionals and exterminators a viable option of insurance coverage against the risks, hazards, and liabilities inherent in the pest control business. If you are a business owner in the greater Boise, ID area, the professionals at Fuhriman Insurance Agency can help customize pest control insurance to ensure your business remains protected.

While your pest control business keeps unhealthy critters out of people’s homes & lives, your business requires similar protection to keep it financially and legally healthy.

The pest control business creates a variety of risks through the everyday use of equipment, chemicals, and human error. A pest control policy can offer protection to commercial and resident customers.

Pest control company owners and exterminators typically worry about these potential liabilities as they may be costly without proper insurance in place –

  • Overlooking termite damage
  • Misapplying chemicals
  • Erroneously damaging a client’s property, to name a few.

The pest control insurance policies offered by Fuhriman Insurance Agency can provide coverage tailored to your company’s specific needs. Fuhriman Insurance Agency is licensed to write pest insurance coverage in 15 states.

Who Needs Pest Control Insurance Coverage?

  • Exterminators
  • Wildlife Control Workers
  • Fumigators
  • Mosquito Control Specialists
  • Lawn & Garden Pest Control Specialists

How Much Does Pest Control Insurance Cost?

The cost of pest control insurance will vary and be based primarily on these factors –

  • The Business’s Location.
  • The Type of Pest Control Services Offered by The Company.
  • The Number of Employees in the Company.
  • The Pest Control Owner’s Choice of Insurance Limits and/or Deductibles.

If you live or work across the greater Boise, ID area and would like to speak with an insurance professional at Fuhriman Insurance Agency about pest control insurance, give us a call today.

Types of Toys Needing Insurance

When it comes to outdoor enjoyment, you may have some recreational toys sitting in your garage waiting for the weekend. It does not matter what your favorite outdoor toy is; chances are you want to get insurance coverage to protect you against anything that can happen. Many recreational toys need insurance in Boise, ID, and those needing insurance should call Fuhriman Insurance Agency today to discuss their options. 

Boats and Jet Skis

Watercraft insurance helps protect you against any accidents or damage caused to your boat. Additionally, this coverage protects you financially if you are found liable for an accident. Protecting your boat and jet skis is a good idea to help ensure you can enjoy your time out on the water. 

ATVs

An all-terrain vehicle (ATV) provides hours of outdoor enjoyment, especially in the summer months. An ATV insurance policy is suitable for a year and often factors in seasonal usage. Anyone who drives the ATV must have a valid driver’s license to qualify for insurance coverage. 

Campers and Trailers

Standard auto insurance policies do not typically cover Non-motorized campers or utility trailers. Therefore, you may need to purchase additional coverage for these items to ensure they are protected in the event of an accident or theft. 

Golf Carts

Golf carts typically do not require insurance coverage when used to drive around your property. However, if you drive your golf cart on the road, you will need insurance. Having insurance for your golf card, regardless of what you use it for, is an excellent idea to help pay for damage and injury in the event of an accident. 

Motorcycles and Scooters

Motorcycle insurance provides riders insurance specific to their riding needs. Additionally, you should purchase insurance for a scooter, regardless of if it is required by law or not. 

Insuring your outdoor toys in Boise, ID is vital to ensure everything is covered and protected. For additional information about recreational insurance, call Fuhriman Insurance Agency today. 

What Umbrella Insurance Won’t Cover

As with any insurance policy, some things are not covered by an umbrella insurance policy. However, umbrella coverage offers Boise, ID residents additional coverage not found in standard auto and homeowners insurance policies. However, even umbrella insurance does not cover everything. Speak with the experts at Fuhriman Insurance Agency to learn more about your coverage under umbrella insurance. 

What Is Umbrella Insurance?

Umbrella insurance helps offer extra liability protection for your existing auto, homeowners, or other insurance coverage. Umbrella insurance is not a standalone policy; it is a supplemental policy. These additional insurance policies only apply to liability coverage and do not cover everything that a standard policy does. 

What Is Not Covered By Umbrella Insurance?

There are several things an umbrella insurance policy does not cover. Some of those items include: 

  • Your injuries
  • Damage to your belongings
  • Intentional acts
  • Criminal acts
  • Property damage and injuries in certain circumstances (including uncovered dog breed or uncovered recreational vehicles)
  • Other people’s injuries or damage your business is liable for
  • Other exclusions listed in the policy

What Does Umbrella Insurance Cover? 

Though there are exclusions, having umbrella insurance is very beneficial in protecting you against liability claims. Umbrella insurance provides coverage to pay for the costs of damages to another person’s body and damage to another person’s property. Additionally, umbrella insurance covers personal claims against you, such as libel, slander, unlawful detention, mental anguish, and malicious persecution. 

How Much Does Umbrella Insurance Cost? 

The cost for umbrella insurance varies depending upon the coverage needed. On average, umbrella insurance costs between $200 and $300 per year (sometimes more). However, lower premiums do result in higher deductibles, which is something to consider when shopping for umbrella insurance. 

Having umbrella insurance protects you against any liability incurred. The experts at Fuhriman Insurance Agency understand the need for Boise, ID residents to customize their insurance policy and add umbrella insurance coverage.