How Commercial Insurance Can Protect Your Business

Posted on by AgentInsure

Anyone who operates a business wants to make sure they’re protected from the dangers that can come along with that role. One of the best ways to get that protection is through commercial insurance. This type of policy is designed to make sure your business has the coverage it needs if something should go wrong. Examples of that include employee or customer injury, faulty products, harassment, and other issues that could befall a company. If you’re in the Boise, ID area and have questions about this kind of insurance protection, the Fuhriman Insurance Agency can help.

You don’t have to keep an old policy you’ve had for a long time without any updating, or just choose a basic policy and hope it will be enough to keep your company safe. There are many options for the type and level of coverage you want and need for your company. From a customer falling in your lobby to an employee being injured in the course of their work, there are options for strong levels of protection. If your company does a lot of work online, the risk of cyber incidents also warrants protection from malicious people who may try to cause problems.

For anyone who has a business in the Boise, ID area and may need commercial insurance, there are options for help and information. Reach out to us at the Fuhriman Insurance Agency today, and let us give you the information you need about commercial coverage for your company. Then you can choose the right option for your needs, and make sure you’re covered both now and as your business continues to grow in the future. That adds a higher level of peace of mind and helps ensure you can continue working to build your company.

Should I get home insurance in Idaho?

Posted on by AgentInsure

In the Boise, ID area, one of the best long-term financial decisions that you can make would be to purchase a home. If you do decide to purchase a home in this area of Idaho, having insurance continues to be very important and a great way to protect your home and yourself. There are several reasons why having this coverage is important. 

Insurance Protects You and Your Home

The primary reason that anyone will need to get home insurance here is that it can protect you and your home. Your personal home is the most important asset that you will ever own. Not only is it a place to live, but it is a major investment. When you get home insurance, you can protect this asset. The home insurance plan is also going to provide some personal liability insurance coverage, which will be helpful if you are named in a liability claim due to an accident in your home.

Insurance is Required

You will also want to get this insurance because it is required for most property owners. If you have a mortgage out against your home, you need to comply with your lender’s insurance requirements. Most of the time this will include requiring you to carry a full home insurance plan that meets the standard set by the bank.

Anyone that is in the Boise, ID area and needs to get a home insurance plan should speak with Fuhriman Insurance Agency. There are a lot of important decisions that need to be made when it comes to home insurance. When you call Fuhriman Insurance Agency you can learn a lot about different insurance options that you have. The team can then help you build a policy that will properly protect your home. 

How much auto insurance are Idaho drivers required to carry?

Posted on by AgentInsure

Idaho drivers have state minimums they are required to maintain when it comes to auto insurance. These state minimums protect drivers as they navigate Idaho’s highways, roads, and streets. Failure to carry the state minimum auto insurance could result in fines and the loss of driving privileges, amongst other things. 

Idaho Trafic Laws
Idaho drivers should familiarize themselves with the laws associated with driving in the state. Idaho isn’t a no-fault state which means the state rules that govern driving are fault-based insurance laws. All individuals involved in a traffic accident can be held liable for an accident if they are found to be at fault. Also, hit and runs are felonies that carry a hefty fine and jail time if convicted. This is one of the many reasons why we are committed to educating Idaho drivers on what’s required to legally drive within the state.

State Requirements
The Fuhriman Insurance Agency of Boise, ID requires all Idaho drivers to carry liability coverage. Liability insurance can cover injuries, lost wages, and property damage caused to others in situations where you’ve been deemed “at fault” in an accident. Liability insurance takes care of any injuries and damage that may have occurred as a result of an accident that you were responsible for. If another driver or passenger(s) was injured, liability insurance will cover their medical care. Liability insurance also covers property damage as well. Lost wages and a whole host of other areas are covered under liability insurance.

State Minimums
Idaho state minimums for auto coverage include bodily injury coverage in the amount of $25,000 per person in an accident and $50,000 for everyone involved in a single accident. Idaho drivers must carry liability insurance to legally drive within the state. If you have any questions or concerns about liability coverage give us a call. We are committed to educating Idaho drivers and providing the best auto insurance options possible. 

Three types of auto insurance that you should have

Posted on by AgentInsure

One important consideration for any vehicle owner to take into account is auto insurance coverage. At Fuhriman Insurance Agency, we provide auto insurance coverage to motorists in Boise, ID.

The following are three types of auto insurance coverage that you should have.

Liability coverage

You are required to carry liability coverage to drive legally in Idaho and just about every other state. This type of coverage will pay for the costs of damages you cause to other drivers out on the roads. The liability coverage you carry needs to meet certain requirements, like including at least $25,000 in bodily injury coverage per individual per accident. 

Collision coverage

If you want damages to your own vehicle that you’re at fault to be covered, you need to invest in collision coverage. Liability coverage won’t cover you at all for damage to your own vehicle.

Without collision coverage, you’ll have to pay out of pocket for damage to your own vehicle unless another insured driver is deemed responsible. The costs of accident repairs can be enormous. In fact, your entire vehicle could be totaled in a severe accident. That’s why you need to have collision coverage on your auto insurance policy. 

Uninsured and underinsured motorist coverage

The state of Idaho requires drivers to carry liability coverage. However, the unfortunate truth is that there are many drivers out there who don’t carry adequate coverage. If you have uninsured and underinsured motorist coverage, you’ll enjoy coverage even if you’re involved in an accident for which an uninsured driver was at fault. 

If you’d like to learn more about meeting your auto insurance needs, we’re here to help at Fuhriman Insurance Agency. Get in touch with us by phone or online with any questions or inquiries you have regarding our auto insurance coverage options in Boise, ID. 

Three things you should know about pest control insurance

Posted on by AgentInsure

As the owner of a pest control business, you need to be insured for the unique financial risks that your industry entails. Investing in pest control insurance can help you to protect the financial stability of your business. At Fuhriman Insurance Agency, we offer pest control insurance in Boise, ID.

The following are three things you should know about pest control insurance.

Pest control insurance is uniquely designed to insure fumigators/exterminators.

A business owner needs to invest in a commercial insurance policy uniquely tailored to their particular industry. A pest control insurance policy is the best commercial insurance option for fumigator and exterminator companies. 

A pest control business is a unique type of business.

As the owner of a pest control business, you are aware of the fact that your business faces some unique risks.

Pest control companies need to apply pesticides to the properties of their clients. This can entail certain liability risks. Events like leaks, spills, or oversprays can lead to liability damages that can be very costly. That’s why pest control insurance is important. 

Pest control insurance offers a variety of coverages including liability, property, and workers compensation coverage.

Pest control insurance doesn’t necessarily just provide liability coverage for mistakes. A pest control insurance policy can also include coverage for a company’s own properties as well as worker’s compensation coverage. 

A pest control insurance policy is a commercial insurance policy that’s uniquely designed to meet the needs of companies offering fumigation and extermination services. 

Are you searching for the right pest control insurance policy in Boise, ID? We can help with that at Fuhriman Insurance Agency. Contact us to learn more about our pest control insurance policy offerings. 

Why should I get renters insurance in Idaho?

Posted on by AgentInsure

The Boise, ID area can be a great place to move to and live. If you are coming to this area, you should think about renting a home instead of buying. When you rent here, you will have more flexibility to move into a new home, which will give you more of a chance to explore the area. When you are going to rent a home here, you also need to get proper insurance. There are several reasons you should get a renters insurance policy here. 

Required By Landlord

One of the reasons to get renters insurance is that it is going to be a lease requirement. Landlords know that a renters insurance policy provides important coverage to a tenant, which indirectly benefits a landlord as well. Due to this, they will usually require that all tenants maintain insurance throughout the term of the lease. Most landlords will ask for evidence of insurance before the start of the lease term. 

Gives Valuable Protection

Another reason that you should get a renters insurance policy is that it can give you some very valuable protection. When you get a renters policy, it will give you coverage for all of your personal assets, which could be lost if you are a victim of theft or fire. Additionally, you are going to receive some liability coverage, which is helpful if there is an accident or other situation that results in property damage or injuries.

As you are looking for renters insurance in the Boise, ID area, it would be a good idea to call Fuhriman Insurance Agency. The team at the Fuhriman Insurance Agency can provide you with advice on how to get into a policy that will give you valuable coverage. This will also ensure you are in full lease compliance. 

3 Reasons Why You Need Umbrella Insurance

Posted on by AgentInsure

When you hear the word insurance do you shy away? If so, is it because you think you can’t afford it? But can you afford NOT to have insurance? The answer is no. Insurance is protection against unforeseen events. If you knew something was going to happen you could prepare for it, but even with as much caution as you put into daily living, accidents do happen. 

Chances are you already have insurance policies, such as auto, home, and life, but is this coverage enough? Have you determined whether you’re fully covered if something were to go wrong? To put your mind at ease, it’s always best to have maximum coverage, according to our team at Fuhriman Insurance Agency. This means having a full auto insurance policy rather than the minimum, for example, but it also means purchasing umbrella insurance.

What is Umbrella Insurance?

Umbrella insurance is added protection that you purchase in addition to your standard policy. This means that if you submit a claim for damage to your home or vehicle and it’s not enough to cover it, your umbrella insurance will kick in. It’s like having extra cash in the bank that you utilize only under certain circumstances.

Why Should I Buy Umbrella Insurance in Boise, ID?

Securing this type of policy not only gives you peace of mind, but it also protects your assets. Imagine someone falls down the stairs and breaks a leg at your home and then decides to sue you. Your homeowner’s and your umbrella insurance will be available to cover the cost of litigation, which everyone knows is expensive. 

Contact a Reputable Agent Today

To learn more about purchasing umbrella insurance for maximum protection, contact Fuhriman Insurance Agency, serving the Boise, ID area, today. 

How much life insurance is enough

Posted on by AgentInsure

Life insurance is the one type of insurance you don’t buy to protect yourself, you buy it to protect your loved ones. If something happens to you, it will help them to be able to go on with their lives without your paycheck to pay the bills. Deciding how much life insurance is enough is not a simple one size fits all figure. Many factors go into coming up with the right amount and having an insurance agent who you trust can make all the difference. In Boise, ID that is Fuhriman Insurance Agency, a family owned small business that has been in business for almost 60 years.

The aim of life insurance is to provide security for your loved ones. How much money that involves depends on who your loved ones are. If it is your parents it will require a lot less money than if it is a spouse and young children. Depending on how old your children are and the type of lifestyle you are living, it can be years of income. According to financial experts, it can be from seven to as much as 10 or more years of your income. If you plan for them to be able to attend college, that is something else to consider. 

You should also have enough life insurance to cover any debt that you may have. This includes everything from a mortgage to a car payment and credit card debt. Making sure that you provide the money for your final expenses is the very least you should do. Losing someone you love is stressful enough, worrying about how you will bury them is unthinkable. 

When you are ready to discuss your life insurance needs, Fuhriman Insurance Agency in Boise, ID is an independent agency that offers a selection of the finest carriers in the business. Give our office a call or stop in to get a no-obligation quote. 

Commercial Insurance Requirements in Idaho

Posted on by AgentInsure

Whether you own a large business with hundreds of employees or only a couple, Idaho law requires that you carry several types of insurance to protect both your business, your employees, and third parties should an accident or incident occur. First, if your business employs one or more people regardless of whether they are seasonal, part time or full time employees than state law requires that you carry workers’ compensation insurance. This type of coverage helps pay for medical bills and lost wages associated with an illness or injury that an employee sustained while working. Second, any vehicles that are owned by the company must be covered by a commercial auto insurance policy. Lastly, although it is not required, any business that asks their employees to use their personal vehicles for work purposes like delivery should strongly consider hired and non owned auto insurance because personal policies are highly likely to exclude business use from coverage which could leave an employee exposed for hundreds of thousands of dollars if an accident occurs.

In addition to the aforementioned required insurances, businesses can select from a number of auxiliary options depending on their use case. For example, if your company is at a higher risk of a data breach that could expose sensitive customer information then cyber liability insurance may be an extra coverage that provides peace of mind by helping to pay for losses associated with cyber attacks. At Fuhriman Insurance Agency in Boise, ID we strive to provide excellent service by learning the ins and outs of your company so we can offer personalized insurance recommendations that meet and exceed your needs. Give us a call today to schedule your no obligation consultation with a member of our team.

The Facts about Car Insurance in Idaho

Posted on by AgentInsure

The truth is everyone who intends on driving and has a driver’s license is required to have insurance in Idaho. Before you get it, you’ll want to know the fact about insurance. Research it with the insurance representatives at Fuhriman Insurance Agency in Boise, ID before you commit to a policy.

Liability Insurance Coverage

You must have liability insurance. Depending on which state you’re in, you’ll want to understand the amount of coverage you need when purchasing a policy. In Idaho, you’ll need to be protected if you cause an accident. Liability means that you’ll be financially responsible for injuries or damages you cause because of a car accident. Liability insurance will keep you from having to pay for medical costs, lost wages, or vehicle repairs depending on the amount of coverage you have.

Uninsured and Underinsured Coverage

Uninsured/underinsured motorist coverage is to protect you if someone else does not have insurance or does not have enough insurance to cover the cost of damages to your vehicle if they caused an accident. This covered is not mandatory, but it could be worth it if you get involved in a traffic incident where the other party does not have insurance.

Comprehensive and Collision

You’re not required to have insurance that pays for your own automobile, but with the comprehensive coverage, you can do just that. Collision insurance pays if you collide with another object, such as a garage door, building, lamppost, or mailbox.

You’ll need to have insurance no matter what state you’re in, so if you’re in Idaho stop by Fuhriman Insurance Agency in Boise, ID and speak with your insurance agents. They’ll be able to update your auto insurance coverage. They can also talk to you about purchasing a home, life, and commercial insurance policy if you need it.