Why Umbrella Insurance is Essential For Idaho Residents Who Work With Children

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Do you own a daycare or childcare facility in Boise, ID? If so, you should supplement your current insurance policy with umbrella insurance today. Working with children is one of the most rewarding job positions, but it also comes with a lot of risks that could permanently damage your business. At Fuhriman Insurance Agency, we offer our clients a supplemental option of liability coverage with umbrella insurance. 

What is umbrella insurance?

This is a supplemental liability policy for individuals who want to protect their assets should they be sued and need to pay damages beyond the initial policy. For these daycare workers, umbrella insurance can provide financial protection should you be found responsible for damages. 

Accidents can happen.

If you work with children, accidents have the potential to happen. While a childcare worker may not maliciously intend for any damage to be done while under their care. With umbrella insurance, if you are at fault and your initial liability policy does not cover the cost of your damages, your umbrella insurance policy will pick up the difference. 

Umbrella Insurance builds a positive reputation. 

When a child care worker takes on umbrella insurance for coverage, they are seen as responsible and considered more frequently than others. With the need for child care growing in Boise ID, it is good practice for these individuals and businesses to pursue umbrella insurance as a layer of financial protection. 

This coverage is a supplemental policy and not a primary coverage option. If you live in the Boise, ID area and are looking to acquire umbrella insurance, give our agents at Fuhriman Insurance Agency a call today to get more information about the coverage and supplementing it to your home, vehicle, or business today. 

 

Why You Need to Get Commercial Insurance When you are in Idaho

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If you have a dream of owning a small business, one great place to start your company is in Boise, ID. One of the main advantages of starting a company here is that there is a great local economy. While there is a lot of opportunity that comes with starting a business in Idaho, there are also some risks. One way to mitigate some of these risks is by getting commercial insurance. There are several reasons why you need to get commercial insurance.

Protects Your Investment

One reason to get commercial insurance is that it can help to protect your investment. When you are going to start a company of any size, you will need to spend money on inventory, equipment, and other assets. If there is a fire or other type of damage-causing situation, you could end up losing this investment. Fortunately, commercial insurance will be able to protect you in these situations.

Gives Liability Protection

Business owners also need to make sure that they are protected from liability. If you are found liable for an accident, the impact could be devastating. Fortunately, when you have commercial insurance you will receive coverage for these situations. 

If you are an owner or a manager of any kind of company in the Boise, ID area, it is clearly very important that you get a good commercial insurance policy. When you are looking for insurance for your company, you should contact Fuhriman Insurance Agency. The insurance team at Fuhriman Insurance Agency can help you to better understand all of the options that are available for small businesses. They can then help you to build and choose a policy that will provide you with the right type and level of coverage. 

Do I need life insurance if I’m not married

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The question of the part that marriage plays in the need for life insurance is one that should be considered. Whether or not people depend on you is not contingent on your being married. When considering life insurance, the most important consideration is what will happen to anyone who counts on you if you were to die without having life insurance. The experienced staff at Fuhriman Insurance Agency in Boise, ID help their customers to make informed decisions when it comes to insurance. 

If you have no dependents, have no debt, have the assets to cover those debts and have prepaid your final expenses, you may not need life insurance. This can be true for persons of any age who fit these criteria. For everyone else, there are some things that need to be considered.

  • What is your overall financial condition?
  • Do you have assets? 
  • Do you have people who depend on you for their support? 
  • How long would the support need to continue after you are deceased? 
  • Do you have a mortgage or other debt? 
  • Are your final expenses prepaid or is there money to pay them? 

Marriage is a legal contract and it makes your spouse the beneficiary of your estate and your life insurance in most cases. You may be in a relationship that is not marriage but where you want to protect your partner and make sure they are cared for. You may have dependent children even if you are not married and you may want to leave a legacy to any children you may have even if they are not dependent on you for support. 

Whether or not you are married has little or no effect on the need you may have for life insurance. How much you need is something that you can discuss with the  Fuhriman Insurance Agency in Boise, ID. We have the knowledge to help you. Give our office a call or stop by and discuss your insurance needs. 

 

 

What Is Pest Control Insurance?

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Pest control insurance is one of those things many people do not think of unless they are specifically in the pest control business, even then it is often simply something to check off for licensing but rarely fully understood. Here is a bit of information to help you better understand the purpose of your pest control insurance. Fuhriman Insurance Agency serves the city of Boise, ID with quality insurance services for your company, life, home, and vehicle.   

Why Do You Need Specific Pest Control Insurance to Run an Exterminator Business in Idaho? 

To answer the question of why you need this insurance for your pest control business lets discuss what it is and what it likely covers for your company. 

A typical Commercial policy may cover occurrences such as vehicle damage, property loss, and even civil suits depending on the coverage terms. However, a pest control business is a unique situation that has veritable risks that another business may not have. The state of Idaho requires those running a pest control business to be fully licensed and insured. Additional educational requirements and insurance are to keep you, your clients, and the environment safe from the harsh chemicals used to accomplish the task of pest control. 

Pest control insurance offers protection for the business owner by offering specific coverage for things that may happen in the business. From typical coverage such as business liability and commercial vehicle liability that most companies have, to fumigation coverage, personal property damage coverage, pollution coverage, and risk management services, depending on the policy. Pest control insurance protects your personal situation better than a typical insurance policy. 

Contact Us at the Fuhriman Insurance Agency for more information about Pest Control Insurance in Boise, ID and the surrounding areas. 

How Long Do Car Accidents Stay on Your Record in Idaho?

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Whether you’ve just gotten into a car accident or were involved in one a year ago, it’s only natural to be concerned with how long it will stay on your driving record. However, it’s not so much your driving record you should be focused on but the points that are on it. At Fuhriman Insurance Agency in Boise, ID, we’re making it our mission to help all drivers understand the law better so they can get the insurance coverage they need. Keep reading to learn more:

Points and Your Driving Record

The truth is that your full Idaho driving record will always include the fact that you’ve been in an accident, as well as any other traffic violation you may have made. That said, the thing that most people will actually be looking at are the amount of points you have. That’s before you accumulate points for every traffic violation, whether it’s a full-scale accident or simple speeding violation. However, the amount of points you receive can vary greatly, especially when it comes to accidents. In the state of Idaho, you can lose your license once you accumulate 12 points.

The good news, however, is that in many cases points will gradually be removed from your driving record as time passes by. You may also be eligible to deduct up to three points from your record by taking a state-approved defensive driving course.

Why it’s So Important to Contact Your Insurance Agency Right After an Accident

The sooner you report the accident to your insurance carrier, the faster they can start working on assessing the claim and what you might be liable for. In many cases, the other driver(s) involved in an accident may say you’re at fault, but upon further review of the police report, your insurance carrier may find that you are actually not entirely the one to blame. Even if the accident is going on your permanent driving record, there’s no need for the cost of the incident to permanently wreck your finances.

Do you live in the Boise, ID area and have more questions about driving and license laws in Idaho and how your insurance may be affected? Contact the experts at Fuhriman Insurance Agency today.

What is Toy Insurance?

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Toys are a great way to spend your free time but the right insurance is going to help protect your toys like ATVs, boats and more. Toy insurance is something that you might also think of as recreational insurance. This is going to help keep your toys safe and to keep you safe while you are using your toys as well. For those that live in the Boise, ID area, the agents with Fuhriman Insurance Agency can help you get the perfect toy policy for your needs.

Toy insurance, or recreational insurance, is used to protect vehicles that you would not typically drive or use every day. These vehicles are considered toys or recreational vehicles. This type of policy helps to cover damage to the vehicle itself if is damaged or destroyed and also helps to cover medical costs for those that are riding or using the vehicle when it crashes or wrecks. This type of insurance coverage can work for all-terrain vehicles, four-wheelers, boats, and more and are meant to help make sure that when you are out having a great time that you are not going to have to come out of pocket to fix your toy or to pay your medical bills or the medical bills of someone else that might be involved in the accident.

This type of coverage is great if you are using your toys all summer and want a bit of extra coverage above and beyond what other policies might offer if you tack them on to other policies. For those in the Boise, ID area, the agents with Fuhriman Insurance Agency can help you to find the perfect insurance policy for all your toys and your busy life and schedule no matter what you might be playing with.  

What Should Contractors Know about Workers Comp Insurance?

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Workers compensation insurance in Boise, ID is to cover medical costs and wages that result from a work-related injury or illness. Policies also cover funeral expenses in the unfortunate event that an employee dies. In Idaho, every business with one or more employees, whether they are full time or part time, must carry workers comp insurance.

Contractors will typically not need workers compensation for themselves. Sole proprietorship and partnerships are also included here. Even though workers compensation for an independent contractor isn’t usually required, you do have the option to cover yourself by choice. This can be a good idea in case you get seriously injured and rack up a lot of medical bills.

Workers compensation will be required for independent contractors when they are hiring employees. If you are hiring subcontractors then you should also have workers compensation coverage. For example, if you have a cleaning business and hire an extra cleaner for a big job, and the subcontractor falls down a staircase, you could be sued. If he doesn’t have insurance for himself, he can be entitled to file a claim against you. While it may not happen often since the subcontractor has to prove that the injury was caused by working for you and your negligence, it can happen and it can be expensive and time-consuming to resolve this in court.

As a hired contractor, you can’t be responsible for whether or not your employee chooses to cover themselves with workers comp insurance. Instead of having workers comp insurance, the best thing that an independent contractor should have is general liability insurance, whether or not you have employees. An agent at Fuhriman Insurance Agency can help you with a policy. This can save you a lot of money that you may otherwise have to spend on damages or lawsuits and it covers more than just injuries.

Contact Fuhriman Insurance Agency, serving Boise, ID, to get a quote on workers comp insurance.

Why You Need Renter’s Insurance

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Many renters in Boise, ID like not being tied down to a particular place. They are not responsible for a mortgage, taxes, home repairs, and home maintenance costs because the homeowner pays for all of that. However, one expense that renters should never forget is renter’s insurance. Every renter should purchase renter’s insurance from Fuhriman Insurance Agency.

Homeowner’s Insurance Won’t Cover Everything

Suppose something goes wrong at your rental unit. Maybe there’s a fire or a bad storm. What happens if the home is a total loss? The landlord, with his insurance, can pay to repair the house or apartment. His insurance will repair damages and replace appliances that were destroyed. However, his insurance will not cover the loss of your possessions. Everything that you have in the home, your furniture, your jewelry, or your electronics, will not be replaced by the homeowner’s insurance. Only the structure itself is covered by the landlord’s insurance policy.

Burglary or Vandalism

If you have a break-in, the homeowner’s insurance policy will only cover the repairs needed to the home. So broken glass, splintered doors, or vandalized walls will be repaired. But, this insurance policy will not cover the loss of your possessions in the event of a burglary. All of the money that you have invested in your possessions could be lost if you do not have renter’s insurance. You will have to pay out of your own bank account to replace these objects.

Loss of Use Coverage

If the home is damaged to the point that you cannot live in it until repairs are made, what will you do for a place to live? Some renter’s insurance policies will provide "loss of use" coverage to provide you a place to stay until your rental unit is available, keeping you from having to scramble to find a place to live for several weeks. 

If you have questions about rental insurance in the Boise, ID area, contact Fuhriman Insurance Agency today.

What is Umbrella Insurance?

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You may have heard of umbrella insurance policies, but not really understand how they work. However, not everyone in Boise, ID needs an umbrella insurance policy. To determine if an umbrella policy is right for you, read these insights from Fuhriman Insurance Agency.

Extra Insurance Coverage

An umbrella insurance policy provides additional liability coverage beyond the typical limits of a homeowner’s policy or other type of policy. So, for instance, if you have an insurance policy for your boat or automobile, an umbrella policy will give you extra coverage if you were sued due to an injury involving your watercraft or car. This means that you will have a higher dollar limit to protect you in a lawsuit, beyond that which the original policy covers. For instance, if you have an accident that is your fault and the auto damages are $40,000 and the other driver’s medical expenses total more than $400,000, your typical auto insurance policy may not cover these expenses, and you may have to personally pay for the other driver’s costs. If you have an umbrella policy, your expenses could be covered. In some instances, umbrella policies may cover things like libel, slander, vandalism or invasion of privacy.

Who Needs Umbrella Insurance?

Umbrella policies may be a good idea for everyone, but they make especially more sense for certain people. People who are obviously wealthy or live in the public eye may be particularly at risk for lawsuits. Also, people who coach children’s sports, volunteer, or participate frequently in sports where someone could be hurt may likewise run a higher risk of being sued. Those who own items that have some sort of risk involved in their use (pools, trampolines, watercraft) may want an umbrella policy. Additionally, people who express controversial views online, on the radio, or on television may find an umbrella policy useful to protect themselves against lawsuits. 

If you are considering an umbrella policy in Boise, ID, you can contact Fuhriman Insurance Agency with all of your questions. 

Why does my small business need commercial insurance

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As a small business owner in Boise, ID, there are many things that may be on your mind. Whether or not you need commercial insurance may be one of the things you have been thinking about. At the Fuhriman Insurance Agency, we are always available to give you any advice that you may need before making such an important decision. Every business is unique and has its own set of needs. 

Your small business needs commercial insurance because things happen. Not all things that happen are good. Some of them can really impact your ability to do business. Things like a fire or a severe wind storm can damage the building where your business is located. If you don’t have commercial insurance how will you be able to repair the damages? In the event that something happens to your building, how will you be able to pay your employees or to replace the damaged inventory? How will you be able to have an income while your business is out of business? If your answer is I don’t know, the answer is you need to have commercial insurance. 

If someone visits your business location and is hurt or is hurt by one of your products and decides to file a suit against you how will be able to afford legal counsel or to pay any judgment against you?  Again this is where your small business benefits from commercial insurance. 

These are just a few of the reasons why you need commercial insurance for your small business. Why not give our knowledgeable agents at the Fuhriman Insurance Agency in Boise, ID a call or stop by our office and let us help you design a policy that meets all your particular needs. Our website can also supply some valuable information. We are always happy to give you a no-obligation quote.