Toys are a great way to spend your free time but the right insurance is going to help protect your toys like ATVs, boats and more. Toy insurance is something that you might also think of as recreational insurance. This is going to help keep your toys safe and to keep you safe while you are using your toys as well. For those that live in the Boise, ID area, the agents with Fuhriman Insurance Agency can help you get the perfect toy policy for your needs.

Toy insurance, or recreational insurance, is used to protect vehicles that you would not typically drive or use every day. These vehicles are considered toys or recreational vehicles. This type of policy helps to cover damage to the vehicle itself if is damaged or destroyed and also helps to cover medical costs for those that are riding or using the vehicle when it crashes or wrecks. This type of insurance coverage can work for all-terrain vehicles, four-wheelers, boats, and more and are meant to help make sure that when you are out having a great time that you are not going to have to come out of pocket to fix your toy or to pay your medical bills or the medical bills of someone else that might be involved in the accident.

This type of coverage is great if you are using your toys all summer and want a bit of extra coverage above and beyond what other policies might offer if you tack them on to other policies. For those in the Boise, ID area, the agents with Fuhriman Insurance Agency can help you to find the perfect insurance policy for all your toys and your busy life and schedule no matter what you might be playing with.  

You may have heard of umbrella insurance policies, but not really understand how they work. However, not everyone in Boise, ID needs an umbrella insurance policy. To determine if an umbrella policy is right for you, read these insights from Fuhriman Insurance Agency.

Extra Insurance Coverage

An umbrella insurance policy provides additional liability coverage beyond the typical limits of a homeowner’s policy or other type of policy. So, for instance, if you have an insurance policy for your boat or automobile, an umbrella policy will give you extra coverage if you were sued due to an injury involving your watercraft or car. This means that you will have a higher dollar limit to protect you in a lawsuit, beyond that which the original policy covers. For instance, if you have an accident that is your fault and the auto damages are $40,000 and the other driver’s medical expenses total more than $400,000, your typical auto insurance policy may not cover these expenses, and you may have to personally pay for the other driver’s costs. If you have an umbrella policy, your expenses could be covered. In some instances, umbrella policies may cover things like libel, slander, vandalism or invasion of privacy.

Who Needs Umbrella Insurance?

Umbrella policies may be a good idea for everyone, but they make especially more sense for certain people. People who are obviously wealthy or live in the public eye may be particularly at risk for lawsuits. Also, people who coach children’s sports, volunteer, or participate frequently in sports where someone could be hurt may likewise run a higher risk of being sued. Those who own items that have some sort of risk involved in their use (pools, trampolines, watercraft) may want an umbrella policy. Additionally, people who express controversial views online, on the radio, or on television may find an umbrella policy useful to protect themselves against lawsuits. 

If you are considering an umbrella policy in Boise, ID, you can contact Fuhriman Insurance Agency with all of your questions. 

Pest control is a lucrative business but it does take the right types of insurance in order for everyone involved to be safe and covered. Pest control insurance works to protect the exterminator and the people they serve. For those that live in the Boise, ID area, the agents with Fuhriman Insurance Agency can help you to find the right policy for your business.

So what is pest control insurance, this type of insurance is in place to help those that have a pest control business to cover things like their vehicle, their business, liability coverage and more all into one policy. This is going to make it easier and faster to get all your policies taken care of without having to have tons of different policies to cover their business.

This means that you can use one single policy to cover your pest control vehicle, your property insurance, your commercial insurance, and your liability insurance into one policy so that you can make sure your business is fully covered and that you do not need to get ten different policies. Pest control insurance is going to help you make sure your business and your customers are all protected and that you can go about your pest control duties without having to worry about coverage and about insurance.

For those that live in the Boise, ID area, the agents with Fuhriman Insurance Agency can help you find the policy that is going to work for you, for your business, and for your customers as well so that you can be sure that even if something does happen, everyone is protected and everyone is able to get their issues handled. Pest control insurance is essential and can make a huge deal of difference for any company.  

In Boise, ID, regular tire maintenance is essential especially during the winter months. At Fuhriman Insurance Agency, the agents can offer sound tips on how to keep your tires in good shape and reduce your risk of being involved in an accident. Just like your car’s engine, its tires must also be properly maintained on a regular basis.

Better Gas Mileage

Making sure your tires have the right air pressure at all times. During the different seasons, your tires’ air pressure will fluctuate with the temperature. By maintaining the right air pressure, you will get better gas mileage and your tires will last much longer.

Longer Tire Life

Along with monitoring the air pressure, it’s also important that the tires be rotated regularly as well. This keeps the tires from wearing in an uneven fashion. Most manufacturers recommend rotating your tires every 6 to 9 months, depending on how much you drive your vehicle.

Better Traction

As your tires get older, you must also pay attention to the tread. If you can stick a penny (Lincoln’s head down) within the treads of a tire and see any space between the rubber and the top of the head is visible, you should consider replacing your tires. This will give you the traction you need during the snowy winter and wet summer months.

At Fuhriman Insurance Agency, residents in Boise, ID can talk to agents who can provide you with the recommendations on what you can do to keep your tires in good shape and your risk of an accident low. Schedule an appointment today and get a review of your auto insurance policy!

 

Pest control businesses have a special set of challenges they must face when performing their job. Pest control insurance is a great way to protect your business and your employees. Keep reading to learn more about why this is a great investment.

What is Pest Control Insurance?

Pest control insurance is a special type of commercial insurance specifically designed for pest control businesses. Pest control insurance is a comprehensive plan which covers both your employees, equipment and any liability your company may be held to in the event that something goes wrong on a job. 

Employees

Employees of pest control services are exposed to special risks when they are performing their jobs. When dealing with pest infestations employees may be exposed to bites, stings or even sickness due to exposure to the pests. Pest control insurance helps to provide the additional insurance coverage that your employees need in order to stay safe and healthy while employed with you. 

Equipment

Any pest control service will have equipment which is vital to the functionality of your business. During the course of doing regular business, this equipment will be exposed to normal wear and tear as well as the risk of damage. Pest control insurance also covers your equipment. You have a lot of money invested in your equipment, and your insurance will ensure that you do not put that investment at risk. 

Liability

The very nature of pest control places you and your employees inside of people’s homes. While working in people’s homes there is a special risk of damage or other problems that could put you at risk of liability. Pest control insurance covers your company in the event that something goes wrong that would make you liable. 

If you would like to speak to an insurance agent about pest control insurance please call our friendly staff at Fuhriman Insurance Agency in Boise, ID. 

If you live in Boise, ID and are hoping to buy a home, you are likely going to end up with a mortgage. And your lender is now claiming that you need to purchase an umbrella insurance policy before they will give you any money. What is this type of policy and why is it so essential when getting a mortgage? Let us at Fuhriman Insurance Agency help you understand this issue.

Understanding Umbrella Policies

Umbrella policies are extra liability coverage that is designed to keep you safe when something bad happens to your home. For example, it will protect you from lawsuits if somebody is injured on your property. Strangely, they also help you defend against libel and slander lawsuits. A growing number of lenders are now requiring that borrowers take out these policies before getting a mortgage. This requirement is designed not only to protect you from unexpected problems but to ensure that your lender’s assets are not affected in a negative way. 

The Benefits of Umbrella Insurance

Umbrella insurance can help you cover a variety of problems and issues with your home that you might not expect. For example, it will cover items in your home, such as boats, that other policy might not help. They also improve the quality of your mortgage and may even decrease your payments a little bit. Don’t expect a miraculous decrease in cost but a reasonable decrease.

Let Us Help You Find a Policy

If you live in Boise, ID and need high-quality umbrella insurance, don’t hesitate to contact us at Fuhriman Insurance Agency. We serve the area and provide you with the help you need to find the best policies for your needs and will work hard to ensure that you don’t pay too much for your policy.

What Is Toy Insurance?

All-terrain vehicles, golf carts, and snowmobiles are meant to be used for fun, but it is also important to use them with care. If you and your family operate these types of toys, then you know how important it is to keep them in good working condition. Toy insurance can come into play when something happens, such as property damage or if you are involved in an accident while operating one of these devices. Just the same as with regular auto policies, there are several types of toy insurance you can choose from, such as liability, collision, and comprehensive coverage.

Why Do You Need Toy Insurance?

Recreational vehicles can be dangerous and accidents do happen, but luckily you can take steps to protect yourself and your toys by making sure you have the right insurance in place. Just the same as it is not smart to drive a car or truck with auto insurance, it is also not wise to operate a toy, like a four wheeler, without proper coverage. 

The Benefits

Accidents happen and when they do, toy insurance may help pay the cost of damage to the vehicles, medical bills in case of injury, physical/property damage, and bodily injury. Toy insurance also gives you peace of mind in knowing these valuable types of assets are protected in the event of an accident. Depending on where you are using the toys, it may be mandated that you provide proof of coverage. 

If you would like to learn more about the different types of toy coverage you can purchase, please contact the Fuhriman Insurance Agency serving the Boise, ID area. 

Umbrella insurance is an “extra” type of liability insurance. This policy is designed to help protect you from serious lawsuits and claims, which will also help to protect your assets and your future. While you will have your basic auto, homeowners, and boat insurance policy, the umbrella insurance will cover any damages that exceed this amount, ensuring you don’t face significant losses in an accident or other unexpected situation.

Three situations when umbrella insurance from Fuhriman Insurance Agency may be beneficial in Boise, ID can be found here.

1. The Neighbor’s Kid Falls Down the Stairs and is Injured

When it comes to injuries at your home or on your property, your homeowner’s policy is going to determine a set amount that will be paid. However, if a child falls down your stairs and suffers long-term injuries or even a permanent disability, the costs of medical bills and recovery could far exceed your insurance liability. In this situation, umbrella coverage can kick in and ensure that all bills are paid and that you don’t have to sell your home or take other drastic steps to cover the expenses.

2. Your Dog Bites a Guest

This situation is similar to the one above. When something happens to someone on your property, regardless of if it is an accident or something else, liability falls to you. You are the one who is expected to cover the bills and expenses related to the accident or issue. This is another example of when umbrella insurance can be beneficial.

3. Your Teenager Takes Your Car Without Permission and gets in an Accident, Injuring the other Party

Unfortunately, this is an all-too-common occurrence. Another bit of bad news is that if your child is not listed on your auto insurance policy, the insurance company may not pay for the damages or injuries they have caused. This is another example of the benefits offered by having umbrella insurance coverage.

To learn more about umbrella insurance and the benefits it offers to Boise, ID residents, contact the professional staff at the Fuhriman Insurance Agency.

 

For anyone operating a bar and/or restaurant in the Boise, ID area, or people who are thinking of starting up this type of business, there are a lot of details to consider. One of those details that sometimes goes overlooked is bar & restaurant insurance. Fortunately, the Fuhriman Insurance Agency can help. There are a number of great options with companies that provide this type of insurance, and getting multiple quotes in one place makes everything easier and less complicated. Additionally, talking to a knowledgeable agent can make things feel less stressful, as well, and help get concerns addressed and questions answered. Here are four questions that should always be asked:

1. Is additional coverage needed beyond this policy?

2. How much is the deductible?

3. What kinds of things are specifically not covered by this policy?

4. How does the serving or not serving of alcohol affect the insurance coverage?

While there are other things a person will want to know about bar & restaurant insurance for their Boise, ID business, these are the main types of questions they will want to ask their insurance agent before they pick a policy and get started. Then they can work with that agent to compile the proper information and determine what else needs to be known.

The more information the agent has about the business, the easier it will be for them to determine the right level of coverage. Someone operating a small restaurant that does not serve alcohol at all may need very different coverage than someone who has a large bar that also serves some food. Both of these can be very viable businesses, and reaching out to the Fuhriman Insurance Agency can help protect those businesses and keep their owners moving forward with their plans and goals.

Owning a business is a dream for many people. When you do own a business, there are many things that you need to take into consideration that you may not have thought about. For those in the Boise, ID area, one thing could be the need for workers compensation. There are several situations in which you will need to have a worker’s compensation policy.

Business with Employees

Workers compensation insurance is a requirement by law in almost every state in the United States. In the state of Idaho, all businesses that have one or more employee is required by law to carry workers compensation insurance. In fact, you are required to have the full policy in effect before your first employee even starts working for you.  

Contract Employees

Even if a business does not necessarily have direct employees, they still may be required to have Workers Compensation Insurance if they have employees hired on a contract or temporary basis. All employees will need to be covered.  If you have received the employees from a temporary placement or contract-consulting agency, they may be covered under the other company policy.  In these situations, you may not need to pay for the insurance, but it is important that you confirm that all employees are covered.  

Volunteers or Interns

Many businesses also receive seasonal help from volunteers or interns that are looking to gain experience. While these employees may not receive any form of compensation or other benefits, you are still taking on risk when they are at your place of business. Because of this, you will need to have a worker’s compensation policy in place to cover them, unless they are covered by a different program.

For businesses in the Boise, ID area that are trying to figure out their insurance needs, working with Fuhriman Insurance Agency could be a great option.  Fuhriman Insurance Agency will help you better understand your requirements and help you get a sufficient policy.