Insurance & Quotes

Who Needs Workers Compensation Insurance

Posted on by AgentInsure

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.  

Protect Yourself at Home and on the Road

Posted on by AgentInsure

Everyone has liability insurance, so you should be covered for whatever comes your way, right? Wrong. If you’re held liable for damages or bodily injury in a catastrophic accident or are the subject of a lawsuit for personal injuries, the liability coverage that you were counting on is likely to be woefully inadequate for your needs. Also known as "excess liability" coverage, an umbrella policy can help protect you both at home and on the road. 

When Other Insurance Stops . . . 

Umbrella coverage takes over when other liability insurance stops–such as when you have a catastrophic, multi-vehicle accident on the interstate and it’s determined to be your fault or when your dog wanders off and bites a neighbor’s child resulting in significant medical bills. It never seems like these things could happen to you in Boise, ID, but they can and do–and it’s best to be prepared for any eventuality.

Broad Coverage

Umbrella insurance protects you from more than massive calamities, it can also shield you and your family members from incidents that may exceed your standard auto, home or other underlying insurance. Legal defense fees are also covered, which can be incredibly important in today’s society of litigation. Coverage extends throughout the world, so no matter where you are when a peril occurs, your coverage will follow you. 

Ready to learn more about umbrella insurance and how a policy can help protect your family from disaster? Contact Fuhriman Insurance Agency, your local Boise, ID insurance partner, to learn more about sheltering your family from all of the dangers that life can throw at you–expected and unexpected.

Umbrella Insurance in Boise, ID

Posted on by AgentInsure

Boise, ID, also known as "The City of Trees" is considered one of the most livable cities in the country.  With so much to do in Boise, it’s no wonder there is a vibrant community with an economy that favors entrepreneurs.  If you live in Boise and own a business or other property, you may want to consider protecting your valuable assets with umbrella insurance.

Umbrella insurance goes above and beyond to protect your assets in the event of a disaster.  Even if you are as optimistic as the area of Boise itself, accidents can happen to anyone. Would you be covered with your current policy if someone were to accidently slip and fall at your place of business?  If you own a home, are you protected against all kinds of unexpected accidents?  Umbrella insurance, however, is not just for buildings. If you own a boat, and RV, or one or more personal or business vehicles, you can add umbrella insurance to these policies as well.

At Fuhriman Insurance Agency we love to discuss umbrella insurance with our clients.  If you have an existing policy with us or are in the market for a new insurance policy, we can give you all the information you need to make an informed decision about adding umbrella insurance to your policy.  Protecting your personal and business assets is a financially sound decision for you, your family, your employees, and their families.  Rest knowing that you can enjoy your boat or RV without any worry about accidents. Run your business without having to worry about what you would do in the event of an unforeseen disaster.  Contact Fuhriman Insurance Agency today. We got you covered.