Month: May 2018

Do I Need Recreational Toy Insurance?

Posted on by AgentInsure

If you and your family own recreational toys, then you have probably asked yourself if they need to have insurance on them. Riding four wheelers, campers, and jet skis make for great memories but there is no better feeling than enjoying your recreational vehicles and knowing that if something breaks or an accident happens, that the insurance will have it covered. There are different types of insurance coverage to choose from depending on the type of vehicle you own, and here is a quick look at a few types of coverage you can get.

Please note that not all policies will be the same from one insurance carrier to the next. This is why it is so important that you speak with a qualified insurance agent to make sure you are investing in a policy that has you properly covered.

Liability- Property Damage and Bodily Injury

This coverage is great for off-roading and boating. Accidents happen both on and off-road and with liability coverage, you can rest assured that financial help will be given to pay for any damage or injuries that may be caused by you.

Collision

In an event that you are hit by another boat or ATV, or you hit an obstacle like a tree, this coverage will pay for any damage to your toy vehicle.

Comprehensive

Collision covers your recreational vehicle from accident damage, whereas comprehensive covers damage from non-collision damage like vandalism, weather, theft, and fire.

Recreational toys are designed to be driven fast and accidents do happen, this is why it is important to get coverage. If you would like to learn more about recreational toy insurance and the different types of policies offered in Boise, ID, please contact the Fuhriman Insurance Agency today.

Understanding Toy Insurance: What Is It and What Are the Benefits?

Posted on by AgentInsure

What Is Toy Insurance?

All-terrain vehicles, golf carts, and snowmobiles are meant to be used for fun, but it is also important to use them with care. If you and your family operate these types of toys, then you know how important it is to keep them in good working condition. Toy insurance can come into play when something happens, such as property damage or if you are involved in an accident while operating one of these devices. Just the same as with regular auto policies, there are several types of toy insurance you can choose from, such as liability, collision, and comprehensive coverage.

Why Do You Need Toy Insurance?

Recreational vehicles can be dangerous and accidents do happen, but luckily you can take steps to protect yourself and your toys by making sure you have the right insurance in place. Just the same as it is not smart to drive a car or truck with auto insurance, it is also not wise to operate a toy, like a four wheeler, without proper coverage. 

The Benefits

Accidents happen and when they do, toy insurance may help pay the cost of damage to the vehicles, medical bills in case of injury, physical/property damage, and bodily injury. Toy insurance also gives you peace of mind in knowing these valuable types of assets are protected in the event of an accident. Depending on where you are using the toys, it may be mandated that you provide proof of coverage. 

If you would like to learn more about the different types of toy coverage you can purchase, please contact the Fuhriman Insurance Agency serving the Boise, ID area. 

Liability Of Bar and Restaurant Owner Without Insurance

Posted on by AgentInsure

Opening a Bar and Restaurant is walking into many liability landmines.   The following activities create liability: food poisoning, alcohol abuse,  slip and fall, assaults caused by fighting patrons, the danger of fire and employee injuries.  This type of business exposes itself to significant liability because it serves the public that feels free and comfortable to express all their emotions while consuming food and drink.  

There are standard types of Insurance that the business owner must consider such as:

Commercial Property Insurance
General Liability Coverage
Liquor Liability Coverage
Assault and Battery Coverage 
Fire Insurance 
Loss of Business Insurance 
Income Coverage
Food Contamination Insurance 
Workers Compensation Insurance
Commercial Auto Liability Coverage

Dram Shop and Liquor Liability Law

The liability of a bar and restaurants can overwhelm a business owner with the death of a patron and innocent bystanders that were harmed by the patron that just left the bar and restaurant drunk. Dram Shop laws are designed to protect the bar owner and the public.  Restaurants and bars are prevented by law from serving alcohol to minors and those intoxicated. If the Dram Shop law is ignored and a patron injures an innocent person the business can be held responsible for the injuries.

Best Practices To Reduce Liability

* Create an employer/employee manual clearing establishing the  training and sanitation practices
* Ensure that practices comply with health and sanitation legal and administration requirements that have jurisdiction over the bar and restaurants
*  Put in policies to control food safety, quality and preparation according to state and federal standards
*  Liquor control policies
*  Fire and safety inspections
*  Record keeping of the date and time establishing when procedures are enforced

The agents of Fuhriman Insurance Agency in Boise, ID will guide you as your business develops.  Please call!!