Fuhriman Insurance Agency

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. 

What is the difference between term life and whole life insurance? Can I have both?

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When people in Boise, ID think of life insurance, they want a policy to provide financial security for their family when they are gone. But the two major types are term life and whole life insurance. Which one is right for you? Read on to learn more from Fuhriman Insurance Agency.

Term Life Insurance

Term life insurance covers a specific period, usually 10, 15, 20, or 30 years. This type of policy pays out a death benefit if the insured person passes away during that period. It is generally more affordable than other types of life insurance because it does not build cash value and the premiums remain fixed over the length of the term. 

Whole Life Insurance

Whole life insurance protects your entire lifetime and builds cash value over time that can be borrowed against or cashed out when needed. Whole life policies also come with an investment component that allows you to earn dividends or interest on your money within the policy itself. While this type of policy is often more expensive than term life, it provides lifelong coverage as long as premiums are paid on time and in full each month.

Can I Have Both?

Yes! Having both term and whole life insurance in Boise, ID can provide additional protection for you and your family and peace of mind knowing that there will be coverage regardless of what happens in your lifetime. 

Do you Still Have Questions? Call Us Today!

Deciding which type (or types) of life insurance to purchase can be overwhelming, but it doesn’t have to be. Contact Fuhriman Insurance Agency today, and we can help you find the right policies.

How much umbrella insurance should I get?

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When getting the right amount of umbrella insurance coverage, you want to make sure you’re considering all the potential risks and liabilities that could occur. You don’t want to leave yourself or your family underprotected, but at the same time, you don’t want to overpay for coverage you may not need. That’s why working with an experienced agent from Fuhriman Insurance Agency in Boise, ID is essential – we can help you get the right amount of protection. 

What is Umbrella Insurance? 

Umbrella insurance provides extra liability coverage beyond what a homeowner’s policy or auto policy covers. If someone sues you for damages beyond what your current policies cover, an umbrella policy will provide additional protection for these losses up to its limit. This type of coverage is often used when liability claims exceed the limits of a person’s existing policies, such as auto and homeowners insurance. 

How Much Coverage Do I Need? 

It depends on your individual situation, but generally speaking, most people should consider getting at least $1 million in umbrella coverage. This level of coverage will protect you if someone sues you and wins a judgment against you that exceeds your existing homeowners or auto policy limits.

When deciding how much umbrella insurance coverage to get, there are several factors to consider, such as your income level and assets owned. It’s also important to consider any high-risk activities or hobbies, such as skiing or boating, that could increase your risk for liability claims. 

For more detailed advice about how much umbrella insurance is right for you in Boise, ID, contact an experienced agent at Fuhriman Insurance Agency. We can help determine what type and amount of protection fits your situation.

What is a Renters Insurance Policy and is it Required in Boise, ID?

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When renting an apartment or home in Boise, ID, renter’s insurance is one of the most important considerations. So what exactly is renter’s insurance, and do you need it in Boise? Let’s find out.

What Is Renters Insurance?

Renter’s insurance provides financial protection for tenants renting a home or apartment. It covers losses to personal belongings because of theft, fire, smoke damage, water damage, vandalism, and other disasters. It also provides liability coverage if someone is injured while on your property. Besides this basic coverage, many policies include additional coverage, such as medical payments for injured guests on your property.

Is Renters Insurance Required?

No-renters insurance is not required by law in Idaho; however, most landlords will require their tenants to have a rental policy before they allow them to move into their rental unit. Even if it isn’t required by law or your landlord, having renter’s insurance can be a good idea because it provides financial protection from any damage that may occur during your tenancy. Your Fuhriman Insurance Agency representative can help you find the right coverage for your needs and budget.

The Benefits of Renters Insurance

Renter’s insurance can provide various benefits for tenants in Idaho, from financial protection to peace of mind. The most crucial benefit is financial protection. If your belongings are damaged or stolen, renter’s insurance can help you replace them without paying out of pocket.

To learn more about renter’s insurance policies and how they might benefit you as a tenant in Idaho, contact Fuhriman Insurance Agency today! We would love the opportunity to answer questions you may have about renters’ insurance policies and help you choose the best option for your needs!

Commercial Insurance Renewal: Answer These Questions First

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If your business is like most, you have commercial insurance that covers your property, liability, and perhaps some other risks. Fuhriman Insurance Agency in Boise, ID, wants to help you understand the process of renewing your policy to ensure you have the coverage you need at a price you can afford.

Here are some questions to ask yourself as you begin the renewal process:

1. Have You Changed Your Location?

When you move your business, you may face new risks, and your old policy might not cover them. Please make sure you tell your insurance agent about any changes in location so they can help you find the right coverage.

2. Have You Changed Your Hours of Operation?

If you’ve changed the days or hours when your business is open, that could affect your insurance needs. For example, if you’re now open later at night, you may need more liability coverage in case a customer is injured on your property.

3. Have You Added Any New Employees?

You may need to add or adjust your workers’ compensation insurance if you’ve added employees. You may also need to update your liability coverage if your business poses a greater risk of injuring someone.

4. Have You Purchased New Equipment?

If you’ve made significant purchases, like new vehicles or expensive machinery, you’ll need to ensure your insurance policy covers those items.

5. Have You Changed Your Business Model?

Business operations that were once low-risk may now pose a greater liability. For example, if you’ve started selling products online, you may need to increase your product liability coverage.

Make Your Business Insurance Renewal a Breeze With Fuhriman Insurance Agency

At Fuhriman Insurance Agency in Boise, ID, we understand that renewing your commercial insurance policy can be daunting. But with our help, it doesn’t have to be. We’ll work with you to understand your business’s evolving needs and find the right coverage at the right price. Contact us today to get started.

Are there any exceptions where life insurance would not pay my beneficiaries?

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Are there any exceptions where the life insurance company would not have to pay out the death benefit to your beneficiaries? It turns out there are a few. Fuhriman Insurance Agency lists some of the most common ones in Boise, ID.

1. Suicide 

In almost all cases, if you die by suicide within the first two years of buying a life insurance policy, the insurer can refuse to pay the death benefit. After two years have passed, though, suicide is generally no longer grounds for denial. 

2. Drug and alcohol use 

If you die from using drugs or alcohol, your life insurance policy may not cover it. This is because drug and alcohol use are considered high-risk activities that can lead to death, so insurers may exclude them from coverage or charge higher premiums for policies that cover them. 

3. Dangerous hobbies 

Certain hobbies, such as skydiving, rock climbing, and bungee jumping, are considered high-risk activities that could lead to death. As a result, your life insurance policy may exclude them from coverage or charge higher premiums for those that cover them. 

4. Not disclosing pre-existing medical conditions 

When applying for life insurance, you’re typically required to disclose any pre-existing medical conditions. Failure to do so could result in the insurer refusing to pay the death benefit if you die due to that condition. 

5. Murder 

If you’re murdered, your beneficiaries will likely still receive the death benefit. However, if convicted of murdering you, they will not be eligible to receive the money. 

There are some exceptions where beneficiaries may not receive the death benefit. If you have any questions, don’t hesitate to contact Fuhriman Insurance Agency. We are here to help Boise, ID.

What Is Pest Control Insurance and What Does it Cover?

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Fuhriman Insurance Agency strongly recommends looking into pest control insurance if you operate a pest control business in the greater Boise, ID area. Unfortunately, many pest control companies have never heard of pest control insurance and have no idea that there is a specific type of insurance that covers and protects their business. Read on to learn more about this type of insurance, what it covers, and why it may benefit you. 

What is Pest Control Insurance?

Pest control insurance is a commercial insurance product explicitly designed to protect pest control companies. Pest control companies are a bit different than other types of businesses because they handle a large amount of chemicals and are in people’s homes or businesses. On top of this, pest control drivers drive from location to location. As such, pest control insurance is designed to provide you with insurance to cover all of these situations. 

What Does Pest Control Insurance Cover?

Pest control insurance covers many things. Some of these things include lawsuits that may arise if the wrong chemical is used and someone becomes sick. Pest control insurance also helps to protect your business from lawsuits you may face if one of your drivers is involved in an accident while driving to or from a place where pest control services are needed. 

At Fuhriman Insurance Agency, serving the greater Boise, ID region, we work with small, medium, and large business owners to help them find the commercial insurance policies that are best suited for their business needs. If you are a pest control company, pest control insurance is perfect for your business. Reach out to our insurance agency today to learn more about pest control insurance or to obtain an estimate for a new policy. 

Three problems you can avoid by choosing the right auto insurance policy

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Auto insurance is a necessity if you want to legally drive a vehicle. Luckily for you, we sell auto insurance to motorists in Boise, ID at Fuhriman Insurance Agency. 

Auto insurance policies can protect you from all sorts of problems as a vehicle owner. The following are three problems you can avoid by choosing the right auto insurance policy. 

Facing a great deal of financial damage as the result of an accident

A car accident can cost you a lot of money. Not only can you lose the value of your vehicle without auto insurance coverage, but you could also face high expenses from lawsuits and medical bills. 

One of the most significant benefits of the right auto insurance policy is that it can protect you from financial damage. 

Paying for excessively high auto insurance premiums

The right auto insurance will offer you adequate coverage at a competitive price. If you do your research and find the right policy, you can avoid paying excessively high insurance costs as a vehicle owner. 

Dealing with frustrations when you have to file an auto insurance claim

A good auto insurance policy comes from a company that offers good customer service. Good customer service makes it convenient and straightforward for you to file a claim when necessary.

If you find the right auto insurance policy, you will enjoy a streamlined process and helpful one-on-one attention whenever you need to file a claim. This can save you from many frustrations after the already stressful experience of being involved in a vehicle accident. 

Let us assist you with researching auto insurance policies available to you as a motorist in Boise, ID. Get in touch with us at Fuhriman Insurance Agency to learn more. 

Business Owners Need to Protect Their Employees with Workers’ Comp Insurance

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Worker’s compensation is essential. Why? It protects employees who become ill, injured, or killed on the job. It compensates them for the losses they suffer. It also keeps employers who are protected from paying for losses out-of-pocket and any lawsuits that could result. The Fuhriman Insurance Agency of Boise, ID can provide business owners protection.

Employers are vulnerable to costly lawsuits without workers’ compensation insurance protection. It helps employees if they fall on ice outside of their office and break an arm, if they work with chemicals daily and become sick, or if they get an accidental needlestick while tending to a patient.

Every state except Texas requires employers to purchase insurance coverage, providing a range of benefits for employees who become ill or injured because of their employment. They will receive benefits regardless of who is at fault.

What exactly is covered by workers’ compensation coverage?

  • Mental and physical injuries resulting from strain while on the job
  • Pre-existing conditions that become worse due to their job
  • Injuries that could happen during work-sponsored events, breaks, lunch periods, or any company function
  • Physical injuries caused by the performance of the job

Workers’ compensation insurance makes resulting injuries easier to bear if they cannot perform job functions for a period of time. It provides benefits to the worker and their family when the worker is incapacitated.

In addition to lost wages, the cost of retraining the employee, rehabilitation, and all medical expenses will be covered. The business is also protected as it provides income and relief for the worker after an accident, reducing the possibility of a lawsuit.

If you are a business owner, ensure you protect your interests and employees with worker’s compensation insurance. Contact the Fuhriman Insurance Agency of Boise, ID today. You will be glad you did.

The Different Types of Offroad Toys That You Can Enjoy

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There are many different types of recreational toys that you can find on the market. Each one offers its own set of benefits and features. Here is a look at some different offroad recreational toys from Fuhriman Insurance Agency of Boise, ID.

The Different Types of All-Terrain Vehicles

One of the most popular types of ATVs is the four-wheeler. Four-wheelers are typically smaller and lighter than other ATVs, making them easier to maneuver and handle. They also have a lower center of gravity, which makes them less likely to tip over.

Another popular type of ATV is the six-wheeler. Six-wheelers are larger and heavier than four-wheelers, but they offer more stability and traction. They are ideal for driving on rough terrain or in off-road conditions.

The Different Types of Utility Terrain Vehicles

Utility ATVs are designed for work purposes, such as hauling equipment or supplies. They are typically more extensive and more powerful than other types of ATVs. Many utility ATVs also have special features, such as a dump bed or a plow.

The Different Types of Side-by-Sides

Side-by-side ATVs are becoming increasingly popular, especially for those who want to use their ATVs for recreation or utility purposes. Side-by-side ATVs have two side-by-side seats, rather than one in front of the other. This design offers more stability and allows for more passengers to ride together.

Other Types of Recreational Toys

There are also several specialty ATVs on the market, such as racing ATVs and dune buggies. Racing ATVs are designed for speed and agility and are often used in competitive events. Dune buggies are designed for off-road driving and are often used on dunes or rough terrains.

If you’re looking for recreational toy insurance in Boise, ID, look no further than Fuhriman Insurance Agency. We can help you insure your toys so you can enjoy them worry-free. Give us a call today to learn more about our coverage options.