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.

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.