Fuhriman Insurance Agency

Do I Need Pest Control Insurance for My Family-Owned Business?

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Pest control businesses in Boise, ID provide essential services for property owners and commercial enterprises. Having the right insurance is a critical consideration for business owners, including family-owned operations. Fuhriman Insurance Agency is here to help you create a policy that protects your business effectively.

Pest Control Insurance: What It Covers

As a business offering pest control services to the public, the state requires your company to have liability insurance. Before obtaining a license to provide professional pest control services, you must show proof of financial responsibility.

There are three key areas where your company must have insurance coverage: general liability insurance, workers’ compensation insurance, and commercial auto insurance for any vehicles used for company operations.

The Risks of Insufficient Coverage

Operating a pest control business in Boise comes with unique risks, including the use of hazardous chemicals that can lead to spills or contamination. Having adequate coverage is essential in case a claim is filed against your business. Our agents can discuss the benefits of additional specialized coverage tailored to your needs.

Specialized policies may include liability coverage for professional negligence, environmental damage caused by pollution or fumigation, and damages that may occur during property inspections. You may also want to consider commercial property insurance, which provides protection for your business assets in the event of fire, theft, or vandalism. Coverage typically includes your business office, equipment, chemicals, and storage facilities.

Contact Fuhriman Insurance Agency

If you’re ready to secure a policy for your family-owned pest control business, contact Fuhriman Insurance Agency. Our knowledgeable agents are here to provide prompt service and help you get the coverage you need to operate safely and securely.

Do You Need Auto Insurance For Parked Vehicles?

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It might seem unnecessary to insure a vehicle you don’t drive, but you may still need insurance for parked vehicles, including those stored in your garage. Here’s everything you need to know about auto insurance for non-operational vehicles.

State Requirements

Many states require insurance coverage for all registered vehicles, even if they are not being driven. If you fail to maintain insurance, you could face penalties such as fines or the suspension of your driver’s license. To ensure compliance, consult with a professional at Fuhriman Insurance Agency to determine the legal insurance requirements in the Boise, ID, area.

Penalties

Not having insurance for parked vehicles can result in significant consequences. You may lose your driver’s license, and the cost of insurance could increase over time. Some insurance companies impose penalties or additional fees if they discover a lapse in coverage during any period.

Insurance Discounts

While many people avoid insurance due to its cost, it may be more affordable than you think. You could qualify for discounts based on factors such as your age or an excellent driving record. Additionally, parked vehicles often qualify for lower insurance rates since they are not actively being driven.

Rather than risking fines or penalties by forgoing insurance, it’s often more cost-effective to maintain coverage. An insurance agent at Fuhriman Insurance Agency can assess your situation and help you find an auto insurance policy that fits your needs. Contact us today to learn more. We proudly serve the Boise, ID, area.

What Types of Toys are Typically Insured?

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When you think of insurance, most people immediately think of health insurance or auto insurance. However, many people own items that would be financially devastating to replace if they were damaged or stolen. If you live near Boise, ID, our team at Fuhriman Insurance Agency welcomes the opportunity to explain why purchasing toy insurance may be a smart investment for your future. We’ve been working with clients like you since 1962.

What Types of Toys Are Typically Insured?

People who purchase toy insurance often do so to protect their investment in expensive items, such as collectibles. For example, a robotic dog or an American Girl Doll might be insured. If these items are destroyed by a fire, weather disaster, or stolen, your toy insurance can cover the cost of replacing them.

Other clients purchase toy insurance for recreational vehicles such as ATVs, water skis, parasailing equipment, or custom gear used in outdoor sports activities. Some clients who own boats may be able to purchase an additional policy with their boat insurance that covers water skiing or jet skiing. Ask our agents which policy options best suit your needs to protect your investments.

Call Us Today for Your Appointment

If you’re the type of person who needs toy insurance, you likely want the best insurance to protect your other essential investments, like your home, car, and health. At Fuhriman Insurance Agency, we understand that each client is unique, and we bring decades of experience to our discussions about the types of insurance you may need. Clients in Boise, ID have trusted our team for over 60 years. Give us a call today to schedule an appointment and find out why so many clients place their trust in us.

What Should You Consider When Purchasing Workers Comp Insurance For the First Time

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Starting a business comes with many firsts, from hiring your first employee to ensuring you’re protected in case something goes wrong. At Fuhriman Insurance Agency in Boise, ID, we help business owners navigate one of those key first steps: purchasing workers’ compensation insurance. If you’re doing this for the first time, there are a few important things to keep in mind.

Know Your State Requirements

Every state has its own set of rules regarding workers’ compensation, and Idaho is no exception. Some businesses are required to carry coverage as soon as they hire their first employee, while others may have more flexibility. Understanding what’s legally required is the first step to staying compliant and avoiding fines or penalties.

Understand Your Industry Risks

Not all jobs carry the same level of risk. For example, a construction company faces different hazards than a small accounting firm. Your premium will be influenced by the work your employees perform, so it’s important to classify job roles accurately. Being honest and precise helps ensure you don’t overpay—or worse, face a denied claim down the line.

Think Beyond the Minimum

It’s tempting to meet the legal requirements and move on, but quality workers’ compensation coverage goes beyond compliance. It’s about protecting your employees and your business. Look for a policy that offers robust support in the event of an accident, including return-to-work programs and claims assistance.

At Fuhriman Insurance Agency in Boise, ID, we specialize in helping businesses understand and secure the right workers’ compensation insurance. If you’re purchasing coverage for the first time, let’s talk. We’ll guide you through the process and ensure you feel confident every step of the way.

Power Failures and Renters Insurance: What’s Covered

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Power outages can occur in Boise, ID, at any time for a variety of reasons. They can last several hours to several weeks, depending on the severity. While many use the downtime to figure out how to navigate and recover from it, one overlooked option is their renters’ insurance from Fuhriman Insurance Agency.

Is Renters’ Insurance Reliable During a Power Outage?

It depends on what caused the power to go out and what happened during the outage. Renters’ insurance policies typically cover the following causes:

  • A lightning strike to the rental location or electrical equipment nearby
  • High winds breaking power lines or damaging electrical equipment
  • Damage to nearby power lines caused by an object falling on them
  • Electrical system destruction caused by fire

Power outages caused by flooding are typically covered under flood insurance policies. If you’ve added earthquake coverage, you would have protection for outages caused by earthquakes. However, renters’ insurance typically does not cover power grid failures, utility company issues, or outages that occur outside the coverage area.

What Does Renters’ Insurance Cover During a Power Outage?

Acceptable situations covered in your renters’ insurance policy include temporary housing and spoiled food. For spoiled food, the average reimbursement is $500, though this amount varies by carrier. For temporary housing coverage—such as hotel stays, laundry, storage, and meals—the rental area must be deemed uninhabitable. If you qualify, coverage will remain in effect until you secure another permanent rental place to stay.

Do Both Guidelines Need to Be Met for Coverage?

Yes, coverage requires that both the situation (spoiled food or living arrangements) and the acceptable cause listed above occur during the outage period.

While renters’ insurance has its limitations, the advantages outweigh the disadvantages. Fuhriman Insurance Agency partners with several renters’ insurance carriers to suit your needs. Whether you’re switching carriers or taking the first step toward renters’ insurance, we’re here to help. Contact us or visit our office in Boise, ID, for more information.

Why Every Business Owner Needs Umbrella Insurance

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Running a business comes with its fair share of risks. No matter how careful you are, accidents, lawsuits, and unexpected situations can still happen. That’s where umbrella insurance comes into play. A safety net that every business owner should seriously consider. At Fuhriman Insurance Agency in Boise, ID, we help businesses of all sizes protect what they’ve worked so hard to build.

What Is Umbrella Insurance?

Think of umbrella insurance as extra coverage that kicks in when your other policies reach their limit. If a major claim or lawsuit goes beyond what your general liability or auto policy covers, umbrella insurance helps fill in the gap. It’s not a standalone policy, but rather an extension that provides broader protection.

Why It Matters for Business Owners

No business is immune to risk. A customer slips and falls, an employee causes a major accident, or a legal dispute escalates—these situations can lead to costs that far exceed your standard policy limits. Without umbrella insurance, your business assets—or even your personal assets—could be on the line. This type of policy gives you peace of mind knowing that you’re covered for the unexpected.

Affordable Protection with Big Benefits

One of the best aspects of umbrella insurance is its cost-effectiveness. For a relatively low premium, you can add a significant layer of protection. It’s a smart investment, especially when you consider the financial damage one large claim could cause.

If you’re unsure whether umbrella insurance is right for your business, let’s talk. Contact Fuhriman Insurance Agency in Boise, ID, today. We’ll help you understand your risks and customize coverage that keeps your business secure, no matter what comes your way.

How to Calculate How Much Life Insurance You Need

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Choosing the right amount of life insurance isn’t just about picking a number—it’s about ensuring financial security for the people you care about. Whether you’re providing for a spouse, children, or aging parents, the goal is to leave behind stability, not uncertainty. So, how do you determine how much coverage is enough? Your representative at Fuhriman Insurance Agency, serving Boise, ID, can help guide you through the process.

Start With Your Income and Responsibilities

A good starting point is to multiply your annual income by the number of years your family would need support. Many experts recommend 10 to 15 years of income, but this figure can vary depending on your circumstances. If you have young children or significant debt, you may need more coverage. Consider how long your loved ones would require financial assistance to maintain their lifestyle.

Factor in Debts, Education, and Final Expenses

Life insurance can also help cover outstanding debts such as mortgages, car loans, and credit card balances. Add these amounts to your estimate, along with the cost of college tuition if you plan to support your children’s education. Don’t forget to account for final expenses—funeral and burial costs can easily reach thousands of dollars.

Consider Existing Assets

If you already have savings, investments, or other financial resources, subtract these assets from your total insurance need. The goal is to close the financial gap without overextending your policy unnecessarily. A licensed agent can help you calculate your needs accurately, eliminating guesswork and ensuring you’re not paying for more coverage than required.

Plan With Purpose

Calculating your life insurance needs isn’t about fear—it’s about thoughtful planning. With the right coverage in place, you can provide your family with something that lasts far beyond a paycheck: peace of mind. Contact Fuhriman Insurance Agency, serving Boise, ID, today to get started on securing your family’s future.

Why Accurate Business Descriptions Matter on Your Insurance Policy

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When it comes to commercial insurance, the details truly matter—especially the way your business is described on your policy. It might seem like a small detail, but having an accurate business description can make the difference between smooth claims processing and a major coverage issue. At Fuhriman Insurance Agency in Boise, ID, we’ve seen firsthand how the right language can protect your business effectively.

Why Your Business Description Matters

Your business description isn’t just a formality—it’s how your insurer understands what you do. Whether you’re a general contractor, a catering company, or a boutique marketing firm, the way your operations are defined determines what risks are covered and how your premiums are calculated. If the description doesn’t match your actual operations, you could end up paying too much—or worse, not being covered when it matters most.

How Misclassification Can Complicate Claims

Imagine filing a claim after a loss, only to discover that your policy doesn’t technically cover your type of work because it was misclassified. Unfortunately, this situation happens more often than you might think. Insurance companies rely on business descriptions to assess risk and determine if a claim is valid. An inaccurate or vague description can delay the claims process or even result in a denial.

Keep Your Policy Clear and Up-to-Date

Businesses evolve over time. Maybe you’ve added new services or shifted your focus. It’s important to review your policy regularly and update your business description whenever changes occur. Keeping your policy accurate ensures that your coverage aligns with your current operations.

If you’re unsure whether your current commercial policy accurately reflects your business, the team at Fuhriman Insurance Agency in Boise, ID is here to help. Contact us today to ensure your coverage matches the work you do, so you’re protected no matter what challenges come your way.

What are the advantages of getting auto insurance in Idaho?

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For many residents of Boise, ID, owning a car is a necessity to navigate around the community. Along with owning a car or any other vehicle, it’s also crucial to secure the right insurance. There are several benefits to having an auto insurance plan in the state of Idaho.

Vehicle Protection

A primary reason to get an auto insurance plan in this part of Idaho is to protect your vehicle. Purchasing a vehicle is a significant investment. The right insurance coverage provides support if your car is damaged due to an accident, vandalism, or theft. This ensures that you can cover the cost of replacing the car or making major repairs.

Liability Coverage

Your auto insurance policy also provides liability coverage. There’s always a risk that you could cause an accident when driving a car. However, with the right insurance coverage, you will have the support you need. A comprehensive auto insurance plan helps you manage your liability risks and ensures you comply with the state’s minimum insurance laws.

If you are in Boise, ID, and want to ensure you have the right insurance at all times, our team at Fuhriman Insurance Agency can provide the support you need to build a suitable insurance plan. When you contact our professionals at Fuhriman Insurance Agency, we can help you assess your insurance needs and provide the necessary support to build a plan.

Pollution Insurance for Pest Control Businesses

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As a pest control business owner, it’s your duty to secure commercial insurance for your enterprise. Many in this industry often ponder the types of insurance necessary for their business to thrive. If your business is situated in Boise, ID, our team at Fuhriman Insurance Agency is here to guide you. We have been serving businesses like yours since 1962.

Understanding Policy Options

Every business must have property and liability insurance to safeguard its assets. Businesses also provide their employees with health insurance and workers’ compensation insurance. A unique type of insurance that your pest control business can consider is pollution liability insurance. The chemicals utilized by your pest control business could potentially lead to air pollution, and your clients may seek compensation.

As per Field Routes, pollution liability insurance is designed to shield your business from costs arising from your company’s fumigation or pesticide contamination actions. If a business served by your company files a claim of property or health damage, your pollution liability insurance will cover those expenses. The same source states that pollution insurance is crucial for a pest control business, as many of the chemicals they use are deemed toxic. Hence, their chemicals can pose a threat to property and people.

Reach Out to Us for Your Appointment

Being a service-oriented pest control business, we understand that you expect your insurance agent to be equally committed to service. At Fuhriman Insurance Agency, we promise consistent support and superior customer service. Companies in Boise, ID, have relied on our team for over 60 years. Contact us for an appointment today, and let’s discuss insurance.