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Entrepreneurs in Boise, ID, have many different facets to consider when starting a new business. While insurance is one of them, it is sometimes not considered until something happens. Fuhriman Insurance Agency can help you avoid this pitfall by guiding you to the most appropriate policies to suit your needs.
Getting the Right Business Insurance
Finding the right business insurance isn’t easy, especially if you are a first-time owner. Without the right type, you may end up paying out of pocket for small claims. All businesses can benefit from business liability insurance to protect their operations from a wide range of risks. Most businesses need more than one type of insurance, with many risks covered under a business owner’s policy (BOP). Data breach protection has also become essential. Getting other types of insurance depends on how your business operates. These include:
- Profession liability when providing advice
- Commercial property when you own buildings
- Worker’s compensation to cover employees
- Commercial auto when employees drive company vehicles
Questions to Ask
Asking yourself specific questions can help you determine what business insurance policies you need to protect your company adequately. Consider the following:
- Will I have employees?
- Will anyone drive company vehicles?
- Will the company store sensitive customer information?
- Will I transport or sell items offsite?
- Will I transport equipment or products?
- Will I or my employees provide professional advice or services?
- Will my operation have specialized equipment?
No matter how small, most businesses will need add-on policies beyond general insurance.
The best time to determine your insurance needs is before your company officially begins operations. The professionals at Fuhriman Insurance Agency, serving Boise, ID, will sit down with you to assess your needs. Contact our office today to get started on coverage.