When you are searching for commercial insurance that can protect you from a variety of threats both natural and made, you will have questions. For example, you may wonder if you are protected in the event of vandalism. This is important to understand, especially if you live in an area with heavy foot traffic or where there are known issues with vandalism. Don’t simply wonder about your coverage. Make sure you are clear on the details before you make a purchase.

Vandalism Coverage

In most cases, your insurance policy will cover acts of vandalism that cause loss as a result of defacing or damage due to willful misconduct. It will usually require to meet the deductible before the coverage kicks in. If there is any property missing it will likely be covered as a theft, but make sure you check with your insurance company to get the specifics with submitting your claim and understanding the terms of the coverage they provide. 

Finding The Right Commercial Coverage

If you want complete protection from a variety of possible covered losses, then you should find a reputable insurance provider to help you get the coverage you need. Established insurance companies such as Fuhriman Insurance Agency, serving the areas in and around Boise, ID, can guide you in the right direction and help you understand all of the terms and conditions of the policy before you make a decision. 

If you have a business in or around the Boise, ID area and would like more information on commercial insurance options, contact Fuhriman Insurance Agency. Their helpful agents will answer your questions and give you the tools you need to protect your investment. Call or stop by the office today for more details. 

Workers’ Compensation Insurance is generally required for any business that has employees in Boise, ID.  It covers employees’ work-related injuries or illness, but it also extends beyond than just these instances.

Medical Cost for Immediate Injuries and Illness

Even when businesses put in measures to help prevent any workplace injury, accidents can still happen. If an employee is injured on the job and needs immediate medical attention, the policy will cover what the employee would be responsible for paying, which includes emergency room visits, ambulances rides, and any other medical bill.

Missed Wages

If the accident causes the employee to be out of work for a while, and the employer is required to pay for parts of their missing wages, workers’ comp can cover these and reduce the financial burden. Ask your insurance agent at Fuhriman Insurance Agency for guidance on whether the policy should cover a fixed amount or a percentage.

Ongoing Care

If the work injury is severe enough that is requires ongoing care, such as rehabilitation, businesses are covered. Even if the employee doesn’t come back to work, employers may still be required to provide care. Workers’ comp policies cover this.

Funeral Costs or Death Benefits

Sometimes work accidents can lead to an employee’s death, and the insurance coverage will pay for funeral expenses. Depending on the type of policy you have, it may also cover death benefits that would be paid to the dependents of the employee. Companies in high-risk industries offer these to maintain their quality workforce.

Legal Cost

If an employee sues the business for their injuries, a workers’ compensation policy with employee liability coverage will protect the business from the cost of the lawsuit.

Contact an agent at Fuhriman Insurance Agency serving Boise, ID to discuss workers’ compensation insurance and make sure your business is covered.

Opening a Bar and Restaurant is walking into many liability landmines.   The following activities create liability: food poisoning, alcohol abuse,  slip and fall, assaults caused by fighting patrons, the danger of fire and employee injuries.  This type of business exposes itself to significant liability because it serves the public that feels free and comfortable to express all their emotions while consuming food and drink.  

There are standard types of Insurance that the business owner must consider such as:

Commercial Property Insurance
General Liability Coverage
Liquor Liability Coverage
Assault and Battery Coverage 
Fire Insurance 
Loss of Business Insurance 
Income Coverage
Food Contamination Insurance 
Workers Compensation Insurance
Commercial Auto Liability Coverage

Dram Shop and Liquor Liability Law

The liability of a bar and restaurants can overwhelm a business owner with the death of a patron and innocent bystanders that were harmed by the patron that just left the bar and restaurant drunk. Dram Shop laws are designed to protect the bar owner and the public.  Restaurants and bars are prevented by law from serving alcohol to minors and those intoxicated. If the Dram Shop law is ignored and a patron injures an innocent person the business can be held responsible for the injuries.

Best Practices To Reduce Liability

* Create an employer/employee manual clearing establishing the  training and sanitation practices
* Ensure that practices comply with health and sanitation legal and administration requirements that have jurisdiction over the bar and restaurants
*  Put in policies to control food safety, quality and preparation according to state and federal standards
*  Liquor control policies
*  Fire and safety inspections
*  Record keeping of the date and time establishing when procedures are enforced

The agents of Fuhriman Insurance Agency in Boise, ID will guide you as your business develops.  Please call!!