Commercial Insurance

Types Of Coverage For Your Business On Home Insurance

Posted on by AgentInsure

When you have a home-based business in Boise, it is important to learn about the different types of coverage. This can ensure that your home and your business are protected, particularly when they share the same roof. Every business is a little different and therefore you need to know about all of your options.

General Liability

General liability is common among home-based businesses. It provides protection in the event someone sues you over something having to do with your business, such as an injury on your property, a claim of negligence, or something else.

Business Property

You may have a lot of business property at your home, ranging from computers to merchandise. This property is likely not covered under your homeowner’s insurance policy and therefore you need to have separate protection against its loss.

Data Compromise

More hackers are targeting small businesses than ever before. If your data becomes compromised, this is the kind of coverage that can help you to recover from a data breach or anything else.

Business Interruption

Your business may be interrupted as a result of a covered loss from your home, such as a fire or storm. This form of coverage can provide you with business income while your home is being repaired so that you don’t experience a catastrophic financial loss. The coverage stops once your home is fixed.

Employment Practices Liability

There are various other types of coverage that you may need as well, and it is dependent upon the type of business that you have. You may require business auto coverage, equipment breakdown coverage, and much more. This is why it can be advantageous to speak to an insurance agent.

At Fuhriman Insurance Agency, we’re here to help you make sense of the insurance needed for your home-based business in Boise.

 

 

Meridian, Idaho: “Built for business …designed for living”

Posted on by AgentInsure

If you live or own a business in the Meridian, Idaho area, you’ve likely heard the slogan "Built for business …designed for living.” There are a lot of good reasons to take stock in the slogan as Meridian continues to grow to what is now the third largest community in the state. A quick visit to the Meridian Chamber of Commerce will reveal a list of Meridian’s best places to eat, shop and stay. You can learn about jobs in the area and get details on how to get involved. There are almost an unending series of events in our community that help keep us active.

Businesses are blossoming in our area for many reasons, not the least of which is a growing population. But there also is an expectation of excellence here that keeps everyone on their toes. Competition makes everyone a better business person.

We see it every day in our business as an independent insurance agency. Independent agencies can help commercial insurance clients seek out the best rates possible from a variety of insurance providers. These providers have to compete for the business. Ones who provide the best coverage at the most affordable prices do well.

The challenge is if you don’t compare, you will never know. You may continue to just keep paying rates that are too high, without even knowing.

That’s why we challenge you to try us. Visit our website and get a comparative quote on your homeowners or auto insurance, or perhaps both. We think you’ll see savings that will encourage you to contact us for your commercial insurance.

If you are a business owner in Meridian, keep up the good work. But don’t stop looking for ways to better spend your money. Contact us at Fuhriman Insurance Agency to get commercial insurance quotes that are more than competitive.

3 Things You May Not Know About Garden City, Idaho

Posted on by AgentInsure

If you live or work in Garden City, Idaho you are probably pretty familiar with our community of about 11,000 residents. There are some things you may not be fully aware of however. Here are three.

  1. Did you know that Garden City was named so because of the gardens that were planted by Chinese immigrants? In fact, one of our main thoroughfares in called Chinden Boulevard, a combination of the words China and garden. In the 2010 U.S. Census, only 1.4 percent of our community is Asian, exactly the same percentage as in the year 2000.
  2. You may have heard of the Garden City Library, but did you know it has over 36,000 fiction and non-fiction books? It also has over 3,000 audio books and close to 3,500 DVDs and videos.
  3. Are you aware our area has experienced nine periods when the temperature reached 100 or more degrees for 5 straight days or more. The record streak is nine straight days of 100-plus degree days.

If you own a business in Garden City you may also not know the difference between getting your commercial insurance from an independent or a captive agent. A captive insurance agent represents the products of a single company. An independent agency has access to multiple providers. That can mean better, more affordable commercial insurance rates.

At Fuhriman Insurance Agency, we are proud to serve Garden City businesses. Our independent agents can get quotes from a variety of insurance companies, potentially saving you money. We can also save you on your personal lines of insurance as well. Visit our website and get an online quote for auto or homeowners insurance.

For business insurance in the 83714 zip code and surrounding area, contact us and see the difference our independent agency status can mean for you. We are Fuhriman Insurance Agency and we would appreciate the opportunity to serve you.

Growth and Expansion with Commercial Insurance

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Meridian, ID is home to a wide selection of exciting opportunities and vacation destinations. Taking a slide at Roaring Springs Waterpark is always fun, and The Village Cinema offers brand-new family options for visitors and locals alike. The Meridian Speedway never fails to captivate patrons, and Eagle Road stretches across the area—making each destination easily accessible.

Protecting Expenses and Boosting Opportunities

Such areas are accommodating for business ventures and lucrative opportunities. Within the area, maintaining commercial real estate may be difficult when protection isn’t acquired. Similarly, commercial insurance guarantees freedom of expansion and overall maneuverability within different campaigns, offering increases in:

  • Company size

  • Budget scale

  • Industry accessibility

  • Asset security

Loss and Liability Protection

Many insurance agencies protect businesses from catastrophic losses. Where fires, storms and environmental disasters occur—business coverage buffers impending closure and unrest due to increased expenses.

Similarly, liability coverage protects a business premises from a variety of liability-related expenses, including:

  • Business automotive damages

  • Customer injuries

  • Theft

  • Litigation

Coverage Options and Accessibility

Commercial insurance quotes offer great opportunities for business professionals and prospective industry leaders. Don’t get caught in the stream without adequate coverage, and compare quotes within our online database to obtain customized options.

Safety and security are always important. While Idaho laws and regulations differ from industry to industry, a wealth of options are available for owners seeking options. Whether commercial property is leased or owned, designed coverage policies increase business operations while defending fundamental company services. Commercial insurance begins with agents—and it ends with options and highly rated solutions.

Each comparable quote represents our finest collection of Idaho providers, and intensive coverage is accessible based upon industry regulations. With an intelligent approach and intensive information, our wide array of opportunities are virtually limitless for commercial insurance seekers, expanding growth, protection and scale opportunities.

Protect Your Business in Garden City, ID, with the Right Commercial Insurance

Posted on by AgentInsure

When you decide to open up your very own business in Garden City, ID, you are opening yourself up to a wealth of issues. With today's economy, owning and operating your own business can be a huge risk. However, you don't have to carry the weight of that risk alone. In fact, that's where our independent insurance agents come into play.

Whether you are starting a business or you are already running a business in Garden City, we can help find the right commercial insurance program that will meet your specific needs as well as your budget. There are a variety of coverages that you can choose, including general liability, property insurance, commercial auto insurance, employee benefits and even risk management.

Understanding Why Commercial Insurance Is an Absolute Must

In order to fully understand how commercial business insurance can help you in various times of need, ask yourself the following questions:

  1. What kind of position would you be in if you were to find out that the UPS delivery guy slipped and fell just outside of your office while delivering a package to your business?

  2. How would you handle having merchandise stolen from your office or warehouse?

  3. What would happen if your employee caused an accident with another vehicle, the driver of which was seriously injured?

  4. How would you handle an employee making a discrimination claim against you and your company?

All of the above-mentioned situations can occur as a business owner in Garden City, Idaho. Would you be able to afford to deal with these issues at-hand? More than likely, you wouldn't be able to come up with the costs out of your pocket. However, with the right commercial business insurance, you may be covered in situations like these and many more.

Protect Your Business Today!

In order to get the right type of insurance coverage for your business in the 83714 community, you need to take the time to sit down with one of our independent insurance agents who can obtain several commercial insurance quotes on your behalf. We are more than happy to take the time to discuss your individual needs and potential options for various levels of coverage with you. Don't delay in protecting you and your business, give us a call today!