Month: September 2022

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

Posted on by AgentInsure

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

Posted on by AgentInsure

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.