How Workers Comp Insurance Works in Idaho

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Workers’ compensation insurance offers employers in Idaho financial protection if and when an employee is injured. This type of policy helps pay for lost wages and even medical care as needed. It also helps protect employers from lawsuits. If you’re currently looking for workers’ comp insurance in or near Boise, ID, contact us at Fuhriman Insurance Agency to learn more. In the meantime, continue reading to see how workers’ comp insurance works in Idaho:

  • Coverage Requirement: In Idaho, with few exceptions, every employer who has one or more employees, full or part-time, must provide workers’ compensation coverage either by purchasing an insurance policy or by becoming self-insured.
  • Reporting an Injury: If an employee is injured on the job, they should report the injury to their employer as soon as possible. The employer is then responsible for filing a report of the injury with the Idaho Industrial Commission within ten days of learning about the accident.
  • Medical Treatment: The employee can choose their physician if an injury requires medical attention. However, Idaho employers can limit the choice of treating physicians if they provide a written list of physicians or a managed care organization has been designated.
  • Wage Replacement: If an employee cannot work due to a work-related injury or illness, workers’ comp insurance provides temporary disability benefits. The amount typically equals about two-thirds of the employee’s average weekly wage, up to a maximum amount set by law each year. Permanent partial or total disability benefits are also provided if the worker’s injury leads to permanent disability.
  • Legal Disputes: If there’s a dispute about the benefits, such as a denial of a claim, the worker can request a hearing before the Idaho Industrial Commission, which is the state agency that administers and enforces Idaho’s workers’ compensation laws.

And remember, if you’re currently looking for workers’ comp insurance in or near Boise, ID, be sure to contact us at Fuhriman Insurance Agency today!

Why All Renters Need Renters’ Insurance

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Renters’ insurance is essential for anyone who rents their home. It’s important to have renters’ insurance from the first day you rent your home. If you are moving soon or want to change to a different company, call us at Fuhriman Insurance Agency in Boise, ID. We’d happily develop the right policy for you and your needs. 

Protection for Your Belongings

When you’re a renter, virtually everything you have is inside your rented home. It’s important to protect those belongings so that you can mitigate your risks. When you have renters’ insurance, it will protect your belongings so that they can be replaced if something happens to them. The covered events are in the policy. These may include things like accidents and specific types of disasters. When you have this coverage, the policy can pay you to replace your things after a destructive event. This is important for ensuring you can return to your regular life. It would be so expensive to replace everything on your own that many people wouldn’t be able to do it. With a policy in place, you never have to worry about this. 

Liability Protection

Since you’re renting your place, you’re responsible for everything that happens there. You’re liable for their bills when someone falls or has an accident. An injury can be costly. It can require you to pay for medical bills, but there may be a lot of other costs. These can include ongoing therapy and lost wages. With renters’ insurance, the policy can pay all those bills. This can save you from financial ruin after an accident happens in your home. 

Get Renters’ Insurance

When you rent, call us at Fuhriman Insurance Agency in Boise, ID to get started with renters’ insurance.

Four Reasons Your Business Needs Umbrella Insurance in Boise

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The unthinkable can happen in business, so it’s good to be prepared. You might need to file for an insurance claim at some point, whether your employee gets into an accident with a business vehicle or gets injured at work. If you have general liability insurance, you are already a step ahead but may need commercial umbrella insurance for your business. Check out these reasons why you should have umbrella insurance in Boise.

It Saves You Money

Paying premiums can be challenging, especially if you already have other types of business insurance. However, premiums are much lower than the liability costsiability should anything happen to your business premises, vehicles, products, or employees. With umbrella insurance, you don’t have to worry about saving vast sums of money to use as emergency funds because the insurance covers the extra costs.

It Provides Extra Protection

Umbrella protection provides additional coverage to your existing coverages, so it is the last option when the other coverages have reached their limits. Umbrella insurance provides handy financial protection in case of vendor or customer lawsuits.

It Gives You Peace of Mind

The business world is risky, and anything could happen at any time. It could be an accident, a lawsuit, or even an injury that involves you or your business. Umbrella insurance gives you peace of mind that you won’t have to worry about surviving an incident that affects your business financially.

All Businesses Can Benefit

In Boise, ID, all businesses can qualify for commercial umbrella insurance if registered. Whether your company has two or more than one thousand workers is fine. You only need to find the right umbrella insurance provider, understand the terms, and protect your business. 

Contact Fuhriman Insurance Agency

Umbrella insurance is a valuable investment that you should consider for your business in Boise, ID. If you want to sign up for umbrella insurance and need assistance, contact Fuhriman Insurance Agency for advice and get started immediately.

Three priorities to focus on when you buy life insurance

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If you have dependents who rely on you financially, you need to purchase life insurance. Consumers in Boise, ID can get life insurance from us at Fuhriman Insurance Agency. 

There are some priorities that it’s essential to focus on when you’re buying life insurance. The following are three priorities you should be focusing on when making life insurance decisions. 

Providing for your family in the future

Buying life insurance is to provide financial support for your family if your income is lost because you pass away.

You need to choose a policy that will adequately support your dependents and allow your dependents to maintain their quality of life if they pass away. 

Choosing a policy that offers an adequate amount of coverage

Crunching the numbers and figuring out how much coverage you need is important. Factors including the number of dependents you have and how much longer your dependents will rely on you financially help you to determine how much coverage you need. 

Fully understand the details of your policy.

A life insurance policy is a complex financial product. It’s important for you to thoroughly understand your policy and what it covers to know if it is adequate for your needs.

Consumers should understand the type of life insurance policy they have. Policy types include whole, universal, and term life insurance. Ensure you understand the merits of each of these policy types to choose the best one for your needs. 

Are you ready to find a life insurance policy to protect your family? You can get a quote on a policy by calling us at Fuhriman Insurance Agency. We’re happy to offer life insurance coverage to consumers in Boise, ID. 

How To Calculate Commercial Insurance Needs

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Commercial Insurance is an essential tool for providing coverage against risks and losses. Calculating the right level of insurance is imperative. That’s why you need the assistance and resources of our insurance experts at Fuhriman Insurance Agency, proudly serving the residents in Boise, ID. 

Calculating Insurance Protection 

If you’re currently in the market for commercial Insurance, you’ll need to know what level of protection is ideal for your type of business and assets. Working with an insurance professional can make this process much easier. They can take the time to calculate your current insurance needs and provide you with policies that meet or exceed those needs. In most cases, the value of the business and its assets are lumped together, and the next highest level of coverage available is selected to ensure there are no gaps in coverage and adequate Insurance in place.

Our insurance agency is committed to assisting our customers with selecting the right policy. We carefully explain the terms and conditions for each option and assist with submitting documentation and other details to secure the policy. We also support any changes during the policy’s lifetime and even claim submissions. We believe in working with our customers to help them get the customer service necessary for peace of mind.

Reach Out to Fuhriman Insurance Agency Today 

Anyone in the market for quality commercial insurance products should call or stop by the office of Fuhriman Insurance Agency. We are proud to offer a full range of products and services to the residents of Boise, ID, and the surrounding areas. Don’t wait to get the protection and security offered by commercial insurance. Let us work with you to help you avoid risks and losses.

Safety for Driving With Kids

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Staying safe on the road is one way to keep your insurance costs low. When kids are in the car, it can feel challenging to ensure everyone is traveling safely. Here at Fuhriman Insurance Agency, we aim to help residents of Boise, ID, and the surrounding areas learn more about road safety and auto insurance. Keep reading to learn about safety tips for driving with kids. 

Clear Car Rules

Getting kids on board with rules is much easier when they know what is expected of them. This is why it is essential that you set clear-cut car rules. Some suggestions might be:

  • Seatbelts are worn at all times
  • Soft inside voices while riding
  • Pause fighting and arguing until you have exited the car

When rules are clearly defined and consistently enforced, it is easier for children to follow the rules and remember how important they are. 

Choose Toys Carefully

You should only allow your children to have and play with toys in the vehicle that will not pose a potential risk to you as the driver. It is better to restrict certain toys than to run the risk of the toy causing an accident. Toys that fly or float should not be allowed, such as toy airplanes that can be thrown or balloons. You might also want to limit toys that make loud sudden noises. 

Enforce Car Seat Laws/Rules

It is vital that you follow car seat and booster seat recommendations for your children. You should check with your local police station to find out what car seat requirements are in your area. 

If you want to learn about auto insurance, please get in touch with us at Fuhriman Insurance Agency, serving Boise, ID, and the surrounding areas. 

Top Three Pests Threatening Your Home

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Homeowners can never be too careful when it comes to home threats. Even the smallest things can threaten your home, such as pests. At Fuhriman Insurance Agency, serving Boise, ID, and the surrounding areas, we want to help homeowners make smart home decisions. Keep reading to learn more about the top three pests threatening your home. 

Termites

You probably already know that termites are a threat, but most homeowners do not know what signs to look for that could indicate an infestation. If you notice large chunks of wood missing from wooden structures around your home or wood dust accumulating in odd places, you might have a termite problem. Rather than wait to discover these signs of damage, it is best to have your home checked for termites annually. 

Rodents 

Rodent infestations are not only gross but can also damage your home. Most rodents are gnawers. This means they will chew through essential structures in your home. Rodents will even chew through electrical wires. This puts your home at extreme risk of fires. Rodents will build nests in places they shouldn’t, like HVAC ductwork resulting in damage. Don’t let a rodent infestation go untreated.

Honeybees 

Surprisingly, honeybees can also pose a threat to your home. Although technically, honeybees do not hurt people (unless provoked) and are not dirty if left unchecked; honeybees can cause damage to your home. Honeybee colonies will start to build hives in places they shouldn’t, and it can cause damage to wooden structures. Honeybee colonies also threaten small children and dogs who might disturb the hive. 

If you want to learn about home insurance, please contact us at Fuhriman Insurance Agency, serving Boise, ID, and the surrounding areas. 

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

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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.

Should all Idaho businesses get workers’ compensation insurance?

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The Boise, ID area continues to be one of the fastest-growing parts of the country. Along with this growth, it has become a great place to start and run a business. If you would like to be a business owner here, it is essential that you carefully assess your insurance needs. One necessary type of coverage to get is workers’ compensation insurance. There are various reasons why you should get this coverage. 

Cover Medical Expenses for Employees

One of the reasons for having workers comp insurance is that it can cover medical expenses for your employees. This type of insurance is designed to offer support to an employee if they are injured while at work. This can cover medical bills and replace lost wages. This is a valuable benefit to be provided to your team members. 

Reduce Liability Risks

With workers’ compensation insurance, you can also reduce your liability risks. If you do not have this coverage and someone is hurt, they are more likely to file suit against the business to receive support. With workers’ comp coverage, you can reduce this risk. 

Meet Requirements

Similar to other states, many businesses in Idaho are required by law to get workers’ compensation insurance. If you have employees or contractors on your payroll, you must meet the requirements. If you are not adequately insured, you could face various penalties. 

Being a business owner can be a great idea if you want to be your own boss in the Boise, ID area. If you own a business, you should call our team at the Fuhriman Insurance Agency. Our professionals understand the importance of workers’ compensation insurance and your options. We can ensure you choose a plan to meet your business needs. 

Does Commercial Insurance Protect Inventory?

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Many online businesses have inventory stored at a specific location. Inventory is a significant cost for these businesses. That’s why they need commercial insurance. Commercial insurance protects inventory against fire, theft, vandalism, and other covered losses. If you have a business with inventory, it’s time to learn more about getting top-quality protection by acquiring reliable commercial insurance. Residents of Boise, ID can count on Fuhriman Insurance Agency to provide them with the insurance products they need for security. 

Commercial Insurance Protection

Commercial insurance is essential for businesses to protect themselves against liability, employee lawsuits, property loss, or any other damages. This coverage is also known as business insurance and covers most inventory. It may also cover business equipment and other essential pieces of property that are required to do business. 

Accurately calculating the level of commercial insurance necessary to protect your business interests adequately is important. The best way to get a complete assessment is to determine the cost of each asset belonging to the business and bring your receipts and figures to a qualified insurance agent. They can review your information and help determine if you need more or less coverage. Once they choose your coverage needs, they can recommend policies matching your needs.

Let Us Help You Today

If you are interested in finding reliable commercial insurance to protect your business and its assets, call or stop by Fuhriman Insurance Agency today and speak with one of our knowledgeable insurance agents. They are proud to assist the residents of Boise, ID with finding the right insurance to protect what’s important to them. Get the coverage necessary to secure your inventory and much more.