By law, everyone who employees one or more person in Idaho is required to have some form of workers compensation coverage. This may be placing a bond with the state, having a self-administered program or purchasing workers compensation insurance. Here at Fuhriman Insurance Agency, serving the Boise, ID area, we are often asked what happens if an employer does carry workers compensation coverage through one of the options allowed by the state. Here is the answer. 

Who is Required to Have Coverage?

In the state of Idaho, you are required to have workers compensation coverage if you have one or more employee who works for your business. This law excludes business partners and owners, as well as a potential spouse who may be working for you. In most cases, the law also excludes any freelance employees. All other employees must be covered by a workers compensation coverage plan. 

What Happens If You Don’t Have Worker’s Compensation Coverage?

If you do not have worker’s compensation coverage, there are many potential problems you could encounter. You could be forced to pay a fine by the state, you may face increased premiums when you finally do get insurance, and if an employee becomes injured and you lack coverage, you may be forced to pay for their injuries and future compensation out of your business or personal money. 

If you are looking to meet the worker’s compensation coverage guidelines required by the state of Idaho, Fuhriman Insurance Agency, serving the Boise, ID area, can help. Contact us today to discuss your needs and let us provide you with a quote. 

If you own a business, you may find yourself wondering if you are legally required to purchase workers compensation insurance. This is a question that we at Fuhriman Insurance Agency, serving the greater Boise, ID area, are often asked. Here is what you need to know about whether you are legally required to buy workers compensation insurance. 

You Have No Employees

If you are self-employed and you do not have any employees, you are not legally required to buy workers compensation insurance. This includes those who only have a spouse that works for them or those who utilize the services of sub-contractors. As long as you do not have anyone that is legally deemed to be an employee, you are not required to obtain and carry this type of insurance. 

You Have Employees

If you employee anyone, even if it is only other person, you are legally required to carry workers compensation insurance by law. This insurance covers the cost of medical bills, lost wages, and permanents injuries if your employee is injured on the job. If you do not carry this type of insurance, you could face heavy fines by the state your business is located in, or your business can even be shut down until you obtain the correct insurance. 

Having the right worker’s compensation insurance is vital to the operation of your business. If you are looking to purchase workers compensation insurance in the greater Boise, ID area, turn to Fuhriman Insurance Agency. We can help you find the right coverage for your business needs. Call us today to schedule an appointment to sit down and discuss your worker’s comp insurance needs. 

The truth about legal liability in any industry in Boise, ID? It’s flexible. That is to say: it comes down to whether or not the lawyer can make a good case. This is why getting a legal liability policy through Fuhriman Insurance Agency isn’t a bad idea, no matter what your field.

There are a lot of points along the pipeline where legal liability might be placed, and it generally comes down to what the lawyer wants to target, and whether the lawyer can convince the judge. If someone is injured on a vape pen, for instance, the problem might be that the vape pen was improperly stored at the shop. It could be a manufacturing issue, or it could be a defect with the charger. If it’s probably the shopkeeper’s fault, but the manufacturer is the one with deeper pockets, then the suit brought up will most likely prioritize the manufacturer.

This sounds quite cynical. It’s not that the truth has no place in the courts, rather, you have to consider whether or not you’re going to be made a target. Even if you make sure to run everything above board, providing safe products and services with properly trained staff, you still might be the one that is targeted for legal liability depending on a number of factors. Maybe the distributor you work with has a better legal team, so you’re an easier target, for instance. This may seem kind of paranoid, but we’re not talking about everyday concerns. More of your customers, partners and clients than not will be fair, reasonable people, and sometimes legal liability is a lot more cut and dry. But one of the big reasons to consider calling Fuhriman Insurance Agency for a legal liability policy is because you need protection just in case someone does put you in their crosshairs.

Obvious examples of injuries sustained at work include abrasions, bruises, and broken bones. Workers compensation insurance covers such work-related injuries, but they are not the only injuries that are meant to be covered by this policy. Fuhriman Insurance agency offers a wide range of workers compensation insurance options in Boise, ID and the surrounding areas.

Occupational diseases tend to be rare as compared to physical injuries, but they do occur. As a business owner, you will want to have a compensation policy that covers your personnel and ensures that your business is protected from losses resulting from lawsuits. It is vital to understand that occupational diseases are not the commonly occurring conditions like flu or cold.

The cold and flu are viruses that employees can easily come into contact with at home or in the workplace. An occupational disease is a malady that the employee acquires after they have been exposed to conditions at their places of work. They include:

• Hepatitis that may be acquired by lab techs
• Tuberculosis that may be acquired by a nurse attending to patients
• Contact dermatitis that may be acquired from dishwashers
• Coal worker’s pneumoconiosis

For a condition to be considered an occupational disease, there must be an existing link between the disease you’ve contracted and the type of job you perform.

Many small business owners do not have to deal with the worry of occupational diseases. But if the company often deals with chemicals that are dangerous or noxious, it may be essential to have a good worker’s compensation insurance policy.

If you’re living in Boise, ID, you can call any of our agents at Fuhriman Insurance Agency for more information on occupational diseases that are covered by worker’s compensation insurance. You are also free to visit any of our offices for a more detailed consultation.

Owning a bar or restaurant can be very rewarding. These are not only places where people come to take meals, drinks and watch games but also they are places where most of the best memories with families and friends are made.

You may realize that when clients pick the best place to be spending their weekends or holidays, they will stick to it. The best way to appreciate their loyalty is by ensuring that they are protected, and they can feel safe while in your bar or restaurant in Boise, ID.

Fuhriman Insurance Agency provides bar & restaurant owners with numerous policies and also we can assist you to select the best coverage that suits you. Before buying a bar & restaurant insurance policy, there are several things you need to know which include;

The basic policies

Bar & restaurant insurance comes with numerous basic policies, and you will need to choose the one that suits your specific needs.These policies are similar to commercial insurance coverage which includes;

Property coverage – This is to protect the things and inventories that your business own.

Liability – The policy protects your customers and helps you pay for the damages that may occur to them when they are on your business premises.

Workers compensation – It caters for medical benefits and wage replacement if an employee is hurt in the workplace.

Commercial auto insurance – If your business owns vehicles, the coverage is meant to ensure that they are protected.

Things affecting your insurance needs

The type and the premiums you need for your bar & restaurant insurance depends on various factors which include; location, lease requirement, losses history, hours of operation, property type and volume just to mention a few. You should note that if your bar or restaurant leases its space, there are specific insurance requirements expected to meet the lease without violation.

To learn more about bar & restaurant insurance in Boise ID, contact Fuhriman Insurance Agency today. We will help you learn more so that you can make a sound decision before settling on a policy.

In today’s business environment, businesses are exposed to numerous potential hazards. This is why you need commercial insurance to protect your business against any unforeseen financial losses. As a business owner in Boise, ID, you should contact Fuhriman Insurance Agency for a commercial insurance quote. At Fuhriman Insurance Agency we are committed to giving you value for your money through our commercial insurance solutions. Here’s why commercial insurance will come in handy for your business. 

Business and commercial liability
If a third party sustains injuries as a result of an accident within your premises, commercial insurance will settle the cost of the claim up to the amount of your policy. This will ensure that your cash flow remains healthy and that your business operations are not interrupted. 
Complying with legal requirements
Federal and state laws require that businesses that deal with the public purchase certain types of insurance covers. This will help the business owner to pick up and continue their operations even when the business goes through a lucky patch. Commercial insurance will protect your assets and help you to stay legal. 
Recovering from loss
Every business is constantly exposed to situations that may result in serious financial loss and loss of assets. In case the business is vandalized, robbed, or natural hazards strike the business, the resultant losses may be catastrophic if the business owner does not have insurance protection. 
Access to loans 
Some of the lenders in the market consider it a high risk to lend to business owners who do not have insurance protection. Such lenders may deny such people loans to expand or boost their businesses; when your business is struggling, and you need a loan, commercial insurance can offer you the lifeline you need.
Once you are ready to protect your business against financial losses that may put you down, kindly contact Fuhriman Insurance Agency. Our services are aimed at helping business owners in Boise, ID to pick up after facing unforeseen hazards that cause financial losses.