Bar fights and insurance needs probably aren’t the first topics a new bar or restaurant owner think of, but preparation remains vital to business success. No bar or restaurant owner wants to think about a fight breaking out, but drama occurs in even the finest establishments. Proper insurance preparation is key. Every owner needs to understand the legal doctrine of premises liability and obtain premises liability insurance.

Premises Liability

The law considers bar patrons and restaurant goers "invitees." Invitees have the right to remain safe from harm or injury while on the premises. Premises includes the parking lot, alleys, and land on which the establishment sits. The owner "must do everything reasonably possible" to keep patrons safe. Inviting children onto the premises increases the burden of "adequate warning" and protection. Hiring security or bouncers comes under this. If a fight breaks out and a court finds for the patron, the cost to the bar or restaurant can be great. Carrying proper insurance protects the establishment.

No-fault Premises Liability Insurance

Many establishments purchase no-fault premises liability insurance. This insurance pays injury claims of patrons regardless of who was at fault. It does not cover pain and suffering, however. The insurance covers other incident types, as well, like falls and fires. This is a separate policy from the business insurance policy. Carrying this policy helps the business avoid lawsuits by paying for the patron’s injuries regardless of fault.

Boise, ID’s Fuhriman Insurance Agency can help you understand the special insurance needs of a bar or restaurant. We’ll help you determine the policies you need and appropriate coverage amounts for your establishment.You can avoid potential lawsuits through proper insurance. In Boise, ID, Fuhriman Insurance Agency wants to help you keep your business safe and growing.

As a business owner in the Boise, ID area, it’s important to know if you are working with an independent contractor or if you have an employee according to the Idaho rules.  The difference can affect your business in a variety of ways.  Idaho State uses a control test to help determine if the working relationship is employee-employer or an independent contractor.  The “Right to Control Test” has four main areas to help guide you through the distinction. 

• Control by the business.  If the business requires set hours of work, provides training, integrates the worker into the business’s main mode of operation, or has a requirement of reports on a schedule, then it is an employee-employer relationship.  If the worker provides their service to other companies and the general public, it’s likely they are an independent contractor.
• Method of payment.  If payment is made by regular intervals – hour, week, day, month or other intervals, the relationship is employee-employer.  If the worker could have a profit or loss as a direct result of their service, then they are considered an independent contractor.
• Necessary equipment.  If the company provides the equipment necessary, then it is seen as an employee-employer relationship.  An independent contractor makes the equipment investment.
• In an employee-employer relationship, there is an ongoing relationship focused around the work.  If it is not an employee, the relationship can be ended without liability by either party at any time.

A “yes” to any of these items can mean the relationship is employee-employer.  Use the “Right to Control Test” as a guide.

Fuhriman Insurance Agency

The Fuhriman Insurance Agency provides commercial insurance to companies in the Boise, ID area.  Contact a Fuhriman agent today to review your business insurance needs.

We live in a litigious society. As a Boise, ID homeowner, having added insurance protection and knowing your personal assets aren’t at risk can bring peace of mind. Just as an umbrella protects you from inclement weather on a rainy day, added umbrella insurance coverage can help you shield your personal assets in the case of a large liability claim. Having umbrella liability protection in place if you are found liable for legal damages that exceed your homeowner or auto insurance can help you avoid financial ruin

Umbrella coverage kicks in when you have reached the limits of your present homeowner or auto policy coverage. If your homeowner policy has $500,000 limit, by purchasing an additional umbrella policy you can cover claims that run higher than $500,000. This protection covers a variety of claims as well as legal defense costs, slander, libel, and defamation of character.

Why Should I Buy an Umbrella Insurance Policy?

The more you own, the more you have to lose, in the event of a large claim. If you have accumulated any type of personal wealth, including, but not limited to, a home, property, or an investment portfolio, you can potentially benefit from an umbrella policy. Check with Fuhriman Insurance Agency to find out if you have assets which need extra protection, or if you may be a target of a large lawsuit.

An umbrella policy may also protect you if you are the type of person whose personal circumstances can make them a target for a lawsuit, such as someone who:

• Has a swimming pool
• Owns a large-breed dog
• Participates in hobbies or sports that could lead to unintentional harm to others, such as auto racing or hunting

The Pros of Umbrella Insurance

Umbrella insurance provides coverage not covered in your homeowner or auto insurance policy. If you have a low tolerance for risk an umbrella policy is an attractive protection method for securing your assets. There are many advantages to having an umbrella insurance policy, including:

• Your retirement nest egg is protected. A large liability lawsuit could potentially drain your savings and delay your retirement. With umbrella coverage that is less likely to happen.
• Your family and pets are covered. It is difficult to control the behavior and actions of other members of your family, including pets. In the event that you, other family members or pets cause harm or injury, an umbrella policy will cover those claims.
• It’s relatively inexpensive. An umbrella policy doesn’t take effect until your primary homeowner and auto policy limits are reached, so coverage rates are generally inexpensive. 
• Peace of mind. You’ll rest easier knowing that large, unexpected liability claims won’t cost you your savings.

For more information about how to protect your home, family, and assets, call the Boise, ID insurance experts at Fuhriman Insurance Agency today.  

 

The agents of Fuhriman Insurance Agency serve residents throughout the Boise, ID area. it is important to know what the state mandated insurance requirements are to be fully protected by the law. Each state requires every vehicle driven on the street to care a minimum amount of auto insurance that will cover damages to property and injuries to parties involved. Idaho, like most other states, has state mandated minimum requirements for auto insurance coverage that all drivers must carry to be legally insured. Drivers who are caught driving without proper insurance are heavily fined and may have their license suspended. 

Individuals who are found to not have the required minimum coverage may face the loss of the driver’s license, state-mandated fines, and in some cases, jail time. Whenever a person’s purchases a new vehicle, it is important to ensure they have the proper type of coverage and in the correct amounts. A person who has had the same policy in place for several years should also have their policy reviewed to make sure they carry the proper amount of insurance. A driver’s age, clean driving record, and other factors will play a role in the type of coverage a person gets and how much it will cost.

Call the agents at Fuhriman Insurance Agency if you live in Boise, ID and are concerned that your current insurance policy may not offer sufficient coverage. The agents will answer your questions and work with you to make sure you have all of the coverage you need to meet or exceed the state’s minimum insurance requirements for automotive insurance. It is important to maintain constant continuous auto coverage on your vehicle to prevent legal action being taken if an accident occurs. 

Most insured drivers are unaware that their personal information impacts car insurance rates. Unfortunately, the factors play a role so it is important you about those that are important. The following is a list that details said factors:

Car Year and Model

According to the Insurance Information Institute, auto insurance premiums are partially based on the sticker price of the car, repair costs, likelihood of theft and safety record. The cost to the insurance company for fixing a new high-end sports car will be significantly more than a mid-class sedan which shows in the premium.

Credit Score

Many insurance companies utilize credit scores and an indicator toward at-risk drivers which factors into the final rate. However, this practice is under attack as numerous states have been passing regulations with regards to credit information usage as a factor in setting car insurance rates.

Driving Profile

Although this should be of no surprise, factors like your violations and accident history have a major impact on your insurance rate. In the eyes of the insurance company, the less you drive, the less risk of a claim. This can be improved by consistent, safe driving and no moving violations. Find out more about your driving profile today at Fuhriman Insurance Agency, located in Boise, ID.

Essential Personal Information

Age, gender, and occupation all factor into setting your rates as insurance companies look for patterns of claims. A teenager is more likely to have higher insurance rates than a middle-aged driver since, statistically, teenagers have more accidents than 40-year-olds. Also, your occupation plays are role if it involves a lot of time on the road. Most insurance companies see that more miles put on your car, the higher the risk. Additionally, as a whole, women have fewer accidents than men and less DWI’s. Therefore, women pay less for auto insurance than men.

Location

The location that is registered on your driver’s license can impact the cost of insurance. Urban drivers pay a higher price than those in smaller towns and cities due to higher rates of theft, vandalism, and accidents. For instance, a driver in New York City is going to pay more for insurance than a driver in Boise, ID. Check with Fuhriman Insurance Agency today to determine how much of a difference there is in rates.