Month: September 2020

Toy insurance: What is it and how much coverage do I need?

Posted on by AgentInsure

Riding four-wheelers, jet skis, trikes, boats, and motorcycles create great memories. If you own one or several of them, you may be wondering whether these huge and savory investments require some form of insurance to protect you from financial loss in case of accidents. The truth is, they also need a type of insurance known as toy insurance.

What is toy insurance?

Toy insurance is a type of policy that protects recreational and motorized toys such as boats, ATVs, and RVs. Like you already figured, these are costly investments that require insurance in case of theft, vandalism, or damage. 

What does toy insurance cover?

To protect what you value the most, you want to ensure that all the risks are considered and well-covered. Depending on what you own and the value of your toy, it is crucial to speak to a Fuhriman Insurance Agency agent to find out which coverages will be essential for your case.

Toy insurance covers the following:

  • Collision coverage
  • Property damage Liability
  • Bodily injury liability
  • comprehensive coverage
  • Uninsured and underinsured motorist

Do you need toy insurance?

A very big yes! No one is really safe from accidents everywhere in Boise ID. Your toy is also vulnerable to fire accidents, vandalism, damage from elements, natural disasters, and theft. The last thing you want is to lose your precious luxury companion to a fire hazard. Remember, this is a considerable investment that you cannot afford to replace immediately if it is damaged or lost. However, you have an excellent option of securing it with toy insurance. Toy insurance gives you the peace of mind you need, whether your toy is in storage or out and about. 

Every asset requires a form of insurance, particularly if it is a valuable asset. If you are still unsure which coverages will work best for you, Fuhriman Insurance Agency can help you make a decision. Feel free to contact us or visit us at our Boise, ID offices.

What Does Worker’s Compensation Cover?

Posted on by AgentInsure

If you live in the Boise, ID area and own a business or work for a company, then you should be well-informed about worker’s compensation insurance. You might be wondering what that term means and what that insurance type covers. Luckily, the experts at Fuhriman Insurance Agency can show you the in’s and out’s of worker’s compensation insurance and why you should be sure to have it. 

What Is Worker’s Compensation?

Worker’s compensation is a type of insurance that is provided by an employer to an employee. Worker’s compensation provides financial coverage for an employee that is injured or worse on the job. For those that are unfamiliar with worker’s compensation protection, here are some areas for which worker’s compensation provides coverage: 

  • Personal damage
  • Paid time off
  • Medical costs
  • Ongoing care costs
  • Funeral expenses 
  • Injury-related expenses

These are just some of the areas in which worker’s compensation can provide coverage. The specific coverage types and amounts will depend on what kind of worker’s compensation is offered by the employer and what type of policy you choose. To help you know your options and find the best possible coverage, visit Fuhriman Insurance Agency to find the perfect coverage policy for you. 

Why Is Worker’s Compensation Important? 

Worker’s compensation provides relief for an employee injured on the job, but it also holds the company liable for providing a safe work environment. By offering this type of insurance, an atmosphere is created that stresses safety in the workplace and guaranteed protection financially. Ultimately, it takes a huge amount of stress off of an employee who gets injured on the job. 

Stay Covered with Fuhriman Insurance Agency

To help you stay covered on the job, visit Fuhriman Insurance Agency to find the best coverage type for you. You’ll also want to talk with your employer. Our office serves the Boise, ID area.