Month: October 2023

Why Every Business Needs Workers’ Comp Insurance

Posted on by AgentInsure

When you own a business, it’s essential to have workers’ compensation insurance, often called workers’ comp, to protect your business and employees. This insurance provides clear benefits to both. No business with any number of employees should be without it. Even if you only have seasonal help, getting this insurance is important before they begin to work for your business. Call us at Fuhriman Insurance Agency in Boise, ID, when you need workers’ comp insurance.

Protecting Your Business

One of the reasons that you need this insurance is because it gives your business valuable coverage. When you have employees and workers’ comp insurance, it will pay for the costs associated with an accident or illness at work. This includes if an employee contracts an illness related to their job. Accidents often lead to injuries, and these can be expensive. It could irreparably damage your business if your business has to pay for the medical bills, legal costs, lost wages, etc. These costs can be extremely high and may damage the entire business. 

Protecting Your Employees

An expensive accident or illness on the part of an employee could be complicated for a small business to pay for. If an employee gets injured or ill at work, they need to have the funds available to pay for their costs. When you have workers’ comp insurance for your employees, they’ll know that there is protection in case the worst should happen. Even if the problem is costly, the funds will be available for the employee’s related costs. 

Get the Coverage Your Business Needs

If your business doesn’t yet have workers’ comp insurance, it’s time to get your policy. Call us at Fuhriman Insurance Agency in Boise, ID to learn more. 

     

Is it worth it to just get liability toy insurance in Boise, ID?

Posted on by AgentInsure

You may not realize how important it is to carry toy insurance in Boise, ID. Many people are not aware that toy insurance exists. At Fuhriman Insurance Agency, we can talk to you about what kinds of vehicles qualify as toys for toy insurance and help you determine what type of coverage you need.

What Is Toy Insurance?

Toy insurance covers several kinds of all-terrain vehicles, such as golf carts, snowmobiles, and other vehicles that are not considered automobiles. Toy insurance acts much the same way as auto insurance. If you are in an accident, you can provide your information to the other parties involved to cover the damages.

How Much Protection Will You Get From Liability Coverage?

Liability coverage is the most important kind of coverage because it will protect you if you are at fault in an accident. If you damage someone else’s property or that person is injured, your insurance will pay for the damaged property and medical bills up to your policy limits.

Unfortunately, liability coverage will not protect you if you are injured, or your toys are damaged or stolen. Without that protection, you could suffer a permanent loss because of an accident or theft.

The critical thing to remember is that if you enjoy toys in Boise, ID, you are responsible for anything that happens while operating them. You also assume the risks if anything happens while using them. Luckily, several kinds of coverage will help to protect you and your family so you can enjoy your toys in peace. If you would like to discuss a toy insurance policy or have questions about toy insurance, please call Fuhriman Insurance Agency today.