Month: January 2019

Is Pest Control Insurance Worth the Investment?

Posted on by AgentInsure

Pest control businesses have a special set of challenges they must face when performing their job. Pest control insurance is a great way to protect your business and your employees. Keep reading to learn more about why this is a great investment.

What is Pest Control Insurance?

Pest control insurance is a special type of commercial insurance specifically designed for pest control businesses. Pest control insurance is a comprehensive plan which covers both your employees, equipment and any liability your company may be held to in the event that something goes wrong on a job. 

Employees

Employees of pest control services are exposed to special risks when they are performing their jobs. When dealing with pest infestations employees may be exposed to bites, stings or even sickness due to exposure to the pests. Pest control insurance helps to provide the additional insurance coverage that your employees need in order to stay safe and healthy while employed with you. 

Equipment

Any pest control service will have equipment which is vital to the functionality of your business. During the course of doing regular business, this equipment will be exposed to normal wear and tear as well as the risk of damage. Pest control insurance also covers your equipment. You have a lot of money invested in your equipment, and your insurance will ensure that you do not put that investment at risk. 

Liability

The very nature of pest control places you and your employees inside of people’s homes. While working in people’s homes there is a special risk of damage or other problems that could put you at risk of liability. Pest control insurance covers your company in the event that something goes wrong that would make you liable. 

If you would like to speak to an insurance agent about pest control insurance please call our friendly staff at Fuhriman Insurance Agency in Boise, ID. 

Do I need auto insurance when my car is broken down?

Posted on by AgentInsure

Sometimes, for one reason or another, you may find that you have a vehicle which is not being driven and which in fact will not be for an extended period of time. It seems like a waste to pay for all the expenses that go along with owning a car, like registration and insurance. 

However, there are a few reasons you may find it better to maintain coverage, and at least speak to your agent about the fact that the vehicle is currently not mobile.

Do you have a lien on the vehicle?

If you still owe money on your car in Boise, ID, you are required to carry insurance on it no matter what the circumstances. Basically, you are sharing the risk with the bank or entity which holds your lien, and there is doubtless a clause in your contract where you agreed to keep the vehicle protected.

Failure to maintain insurance will allow the lien holder to impose their own insurance on your vehicle or impose other sanctions. It will be more economical for you to take care of matters yourself. At Fuhriman Insurance Agency, we regularly help our clients with these kinds of problems.

What if something happens to your vehicle?

If there is a theft, a fire or another natural disaster, you could face a total loss on your vehicle. Continuous coverage will protect you. When you want to get back on the road, you can head to the license branch with your proof of insurance and expired registration to get started again.

If you are in Boise, ID and have any questions or want to explore your options, please feel free to call the Fuhriman Insurance Agency today. We can give you a free estimate and discuss a policy that fits your special circumstances.