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. 

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.

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.

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.

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.

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. 

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. 

In the Boise, ID area, those that enjoy being outdoors and active will find that there are a lot of great places to use a recreational toy. If you are going to have one in this area, you should make sure that you have the right insurance coverage for it. There are several reasons why you should get a toy insurance plan for your vehicle in this area of Idaho.

Insurance Protects Asset

A key reason that you should get a recreational plan is that it can protect your asset. If you are going to buy one of these assets, you will have to spend money to buy and maintain it. Along with this investment, you will want to know that you can enjoy the asset for a long time. With a toy insurance plan, you will have the coverage needed to replace or fix it if there is an incident of theft or damage.

Insurance Mitigates Liability Concern

You should also consider getting a toy insurance plan in this area of Idaho as it will give liability protection. There will always be a risk that you could cause an accident when using your recreational toy. If this happens, you may need to spend a lot of money making repairs to the other party’s assets. With liability coverage, you can receive financial protection for this risk. 

As you are looking to protect your recreational toy in the Boise, ID area, it would be helpful to call the team with the Fuhriman Insurance Agency. When you speak with the Fuhriman Insurance Agency you can learn a lot about this type of insurance coverage. They can give all support that you need to have your questions answered and pick a plan that will adequately protect you and your recreational toy. 

As the employer, you must provide a safe working place you’re your staff. Unfortunately, even with your best efforts, accidents that result in employee injury can happen in any business. In such instances, you will have to compensate the employee for the injury they have endured and the income they will likely lose. This is where workers’ compensation insurance comes in to take the burden of employee compensation off your shoulders. 

Whatever business you are in, workers’ compensation insurance is a must-have. If you are based in Boise, ID, you can check out Fuhriman Insurance Agency for your enterprise’s workers’ compensation insurance. Why is workers’ compensation insurance important? 

Protects Your Employees

The primary purpose of worker’s compensation insurance is to protect your employee in case of a work-related injury. It protects your employees’ financial future, which might be negatively affected by the high bills accrued treating the injury. In addition to this, it provides employees with sustainable income as they recover from the injury. Moreover, some workplace injuries can lead to loss of quality of life, workers’ compensation insurance provides financial relief to fill the gap.

Protects the Business from Expensive Lawsuits

Without compensation, workers may be forced to sue a business after they sustain an injury at their workplace. Lawsuits are expensive, and the business should avoid them. Besides the legal fees, a judge or jury may award the employee a high compensation that might hurt the business’s financial health.

Good for the Company’s Prosperity

Fuhriman Insurance Agency points out that paying for workers’ compensation insurance premiums is more affordable than paying for the workers’ compensation out of pocket. Moreover, workers are more motivated to give their best at work if they know they are insured against injury. It also improves the brand’s public image, which boosts sales. All of these are good for the company’s prosperity.

Is your Boise, ID business in need of workers’ compensation insurance? Reach out to us for all the help you need.

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.