What are the Advantages of Umbrella Insurance For Seniors?

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Most seniors want to pursue their interests and not worry about money. Yet, despite having the typical combination of home and auto insurance coverage, many leave themselves exposed by not carrying an umbrella insurance policy. So, we’ll review how umbrella insurance can be especially valuable for protecting seniors. After reading this article, consider contacting Fuhriman Insurance Agency, serving Boise, ID, to discuss including umbrella insurance in your insurance plan.

How Umbrella Insurance Helps Seniors

If you have reached retirement age, you know that accidents happen, and we use insurance to protect ourselves against the unexpected. You use your auto and home insurance policies to cover your liability for home or auto accidents for which you bear responsibility.

Your home and auto policy limits are high enough to cover your liability in most accidents. However, when your liability exceeds your policy limits, your responsibility for paying the difference may put your savings or other assets, including your home, at risk. Such a situation is especially problematic for seniors who are often past their prime earning years.

Umbrella insurance protects against those situations by providing coverage that extends beyond your standard policy coverage limits. Umbrella insurance premiums are relatively inexpensive since most people never tap their coverage. Yet, it offers an extra layer of financial protection and peace of mind since you know you have protected the assets you worked so hard to accumulate against misfortune.

Working With Fuhriman Insurance Agency

It is comforting to know that you and your family are fully protected in a world where anything can happen. The Fuhriman Insurance Agency, which serves the needs of seniors in the Boise, ID, area, is here to help. Call us at (877) 342-7935 to discuss whether umbrella insurance offers the protection you need.

Risky Times When You May Need More Life Insurance

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For some, insurance may seem complex or even a bit boring. At Fuhriman Insurance Agency of Boise, ID, we have a different point of view. We see insurance as a valuable financial and asset protection product that helps secure our clients’ futures. Insurance can evolve and adjust with changes in your life.

A good example is life insurance. There are times when risks in your life can be reduced through an increase in life insurance. Here are a few.

When You Have a Child

Having children increases your responsibilities and risks. These responsibilities last through a child’s early adulthood, so parents should increase life insurance during this period.

When You Buy a Home

Whether you finance a home for 15, 20, or 30 years, additional life insurance can cover your remaining mortgage balance. Many will buy 20—or 30-year term insurance to provide additional protection during these years.

When Buying or Starting a Business

Buying or starting a business gives you additional responsibilities to your business partners and employees. If you are also a key employee, that increases the risks to your business in the event of your death. Additional life insurance can help cover the risks and responsibilities of ownership until your company can mature.

Peak Earning Years

The amount of life insurance you carry should be reflective of your earning power. When your income is rising, so should the life insurance you carry.

Reach Out to Fuhriman Insurance Agency For a Quote Today

Make sure your insurance coverage adjusts to your lifestyle and financial situation. We can help. If you live in the Boise, ID, area, get the service you deserve from Fuhriman Insurance Agency today. We provide personal, exceptional coverage and service our clients appreciate.

We look forward to assisting you.

Exploring Lesser-Known Commercial Insurance Coverages

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Certain commercial insurance coverages are often overlooked when protecting your Boise, ID business but can be crucial. At Fuhriman Insurance Agency, we’re able to offer a variety of lesser-known commercial insurance coverages that can safeguard your business against risks that likely wouldn’t otherwise be covered. Here are three to consider:

1. Crime Coverage

Crime coverage is a commercial insurance protection specifically for stealing. It may cover losses resulting from theft, fraud, or embezzlement. 

While theft by a burglar is frequently covered under commercial property coverage, this coverage commonly excludes internal theft by employees. For embezzlement and other forms of employee theft, there’s crime coverage.

2. Keyman Coverage

Keyman coverage, or key person insurance, is important if your Boise, ID business highly relies on you (or another essential person). This coverage might help cover costs if a critical employee becomes disabled, passes away, or otherwise can’t run the business. Costs may be paid until another qualified employee can be found, or a lump-sum payment might be given to investors if the company must close.

(Having an employee temporarily not work due to illness typically isn’t covered, nor is an employee leaving for another job.)

3. Business Income Coverage

Business income coverage might help your business survive a prolonged and unexpected interruption financially. If your business must temporarily close due to a covered event, such as a fire or natural disaster, the coverage could pay supplemental payments to cover utilities, rent, wages, and other expenses.

Fully Protect Your Business Today

Ensure your business is protected from the many different risks it’s exposed to. Contact Fuhriman Insurance Agency for help finding all of the commercial insurance coverages your business should carry. 

Steps to Take After a Car Accident

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Car owners are responsible for maintaining auto insurance. If you live in the Boise, ID, area, we invite you to visit us at Fuhriman Insurance Agency. We offer the services of our knowledgeable staff, who will take the time to listen to you and develop the right auto insurance policy for your needs. 

Reporting an Accident 

Drivers need to contact their insurance carrier as soon as possible after the accident. Your insurance company will need information to conduct a claim investigation. Drivers involved in a car accident should also take pictures of their cars afterward.

Determining Who Is at Fault 

According to the Idaho Department of Insurance, the driver at fault will be determined after an investigation by the insurance company. Both drivers might be found to be at fault. Many people don’t know that fault is not automatically assigned to a driver who has been issued a ticket for a traffic violation.

Car Rental Coverage 

If damages from a car accident result in car repairs, you may wonder if your insurance will cover a rental car. If your auto insurance approves payment for a rental car, the payment will continue when repairs are made. Your policy will limit the amount of car rental reimbursement. Some insurance companies will not pay for a rental car if your car is declared a total loss. 

Call Us Today for an Appointment 

Residents of Boise, ID, looking for auto insurance solutions, will find them at Fuhriman Insurance Agency. The agency’s founder, Dan Emery, began serving insurance clients in the Boise area in 1962. We have continued to provide responsive service to the community. Call us today to discuss options that will fit your auto insurance needs. 

Is Pest Control Insurance Right for You?

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Keeping pests at bay isn’t always easy, but it’s important. If you have a pest control company, you must ensure it’s insured against any claims a client might make. In the Boise, ID area, you can get pest control insurance from the Fuhriman Insurance Agency so that you can get back to work with a sense of security for your future. We’ll help you take care of your business so that you can take care of your customers.

Whether you’ve had your pest control company for a long time or just getting started, insurance is an important part of having a successful business and helping it grow. Our agents understand the unique needs of a company that deals with pest control and will work with you to create a policy that meets your needs. We can provide you with quotes from several different insurers, too, so you can choose the coverage type and level you feel good about.

When you seek out an insurance policy for pest control, it’s vital to ensure you get quality protection for your company. The size of your company, the kinds of pests you handle, and other factors could all matter when you’re choosing insurance, which is why you need the advice and guidance of an agent who’s ready and willing to help you get the right policy fit.

Contact us today at Fuhriman Insurance Agency if you’re in the Boise, ID area and looking for pest control insurance. We know you need a quality policy, and you deserve good coverage you can rely on. Don’t settle for less; when we can help you get what you’re looking for, you can focus on operating your company and helping your customers stay free of pests in their homes and businesses.

When Should You Consider Purchasing Toy Insurance?

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Are you a proud owner of recreational vehicle toys like ATVs, 4x4s, snowmobiles, or jet skis? While the thrill of riding these vehicles is undeniable, ensuring their protection should also be a priority. As you indulge in adrenaline-pumping adventures around Boise, ID, considering toy insurance from Fuhriman Insurance Agency could be your best move yet.

Protecting Your Investments

Your recreational vehicles are not just sources of fun; they are valuable investments that deserve adequate protection. Toy insurance covers damages caused by accidents, theft, vandalism, and natural disasters. With the unpredictable nature of outdoor activities, insurance ensures you’re not stranded in unexpected mishaps.

Peace of Mind for Your Adventures

Picture yourself cruising through the picturesque landscapes around Boise, ID, knowing that your recreational vehicles are safeguarded against unforeseen circumstances. Toy insurance gives you the peace of mind to fully enjoy your adventures, knowing that you’re financially protected in case of mishaps.

Tailored Coverage Options

At Fuhriman Insurance Agency, we understand that every recreational vehicle owner has unique needs. That’s why we offer tailored coverage options to suit your specific requirements. Whether you’re a weekend warrior or an avid outdoor enthusiast, our comprehensive insurance solutions are designed to provide you with the coverage you need at competitive rates.

Ready to Protect Your Toys?

Please don’t wait until it’s too late. Safeguard your recreational vehicles with toy insurance from Fuhriman Insurance Agency, serving the greater Boise, ID region today. Our experienced agents are here to guide you through the process and help you find the perfect coverage for your beloved toys. Call us now to learn more or get a price quote.

How Workers’ Compensation Insurance Works

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When you own a business that has employees, it’s essential that you have a workers’ compensation policy. This is a type of commercial insurance policy that protects both you and your employees in case of injuries. When you have this insurance, it gives you peace of mind and compliance with the law. Workers’ comp insurance is required for all businesses in Idaho that have part-time or seasonal employees. Call us at Fuhriman Insurance Agency in Boise, ID when you need a policy.

Protection for You and Your Business

This type of insurance gives you the protection you need against your business’ liability. If you didn’t have this insurance, a superficial injury in the workplace could cost the business enough to bankrupt it. With the high cost of medical bills and the multitude of ways that employees can be injured, this insurance is a must for protecting your business. Depending on your business, you might be personally liable for the bills if your company goes out of business. It’s never a good idea to do business without this insurance. 

Protection for Your Employees

As an employee, getting injured at work may not be a thought many people have. However, it can and does happen. Workers’ compensation insurance protects them because it makes the funds available just in case they have an accident at work. This gives them protection and peace of mind, knowing they won’t have to fight for funds after an accident. 

Get Workers’ Comp Insurance

If you don’t have this insurance yet, you need it as soon as you have any number of employees. To get a policy for your company, call us at Fuhriman Insurance Agency in Boise, ID.

The Value of Life Insurance When Protecting Your Family

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Secure the Future of Your Loved Ones with Life Insurance

The unpredictability of life underscores the importance of securing the future of your loved ones with life insurance. This financial safeguard assures you that your family is protected even in your absence. If you’re based in Boise, ID, Fuhriman Insurance Agency is your ideal partner.

Strategically Planning for Your Family’s Financial Health

Our life insurance policies are not off-the-shelf products. They are meticulously crafted based on your unique requirements. When choosing a life policy, it’s essential to consider the policy’s size, the term, and whole-life options. Each of these parameters has its own benefits and drawbacks, making a well-informed decision crucial.

Whether it’s maintaining a specific lifestyle or securing assets, life insurance plays a vital role. It’s a responsible measure that ensures your family doesn’t have to compromise on their quality of life, even in your absence.

Tailored Insurance Plans for Your Peace of Mind

Understandably, navigating through this important financial decision can be overwhelming. Our experienced agents are there for you every step of the way. They provide the guidance and expertise needed to make a well-informed decision serving your family’s best interests.

Our inclusive approach centered on your needs ensures we understand your priorities. This understanding allows us to collaborate with you effectively in choosing the best-suited life insurance policy.

Connect with Fuhriman Insurance Agency Today!

If you’re in the Boise, ID area and searching for a comprehensive life insurance policy, don’t hesitate to contact us at Fuhriman Insurance Agency. Our dedicated specialists are ready to assist with your life insurance needs. Their expert guidance results in a clear understanding of the most suitable policy. Let us help you put an end to your uncertainties and embark on the path to a secure future for your family.

How Does a Commercial Insurance Policy Protect You?

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Unleash the Benefits of Commercial Insurance with Fuhriman Insurance Agency

Commercial insurance isn’t a novelty but a necessity for businesses desiring to protect their assets from damages and losses. If you are based in Boise, ID, and seeking comprehensive coverage, then we at Fuhriman Insurance Agency are your trusted partners.

Every business is unique, and so are their insurance requirements. Unlike others, we don’t enforce rigid policies. Instead, we introduce you to our various customized offerings to fulfill diverse needs.

Choicest Business Insurance from Multiple Insurance Companies

By presenting quotes from multiple insurers, we clearly understand the policy best directing your protective needs. Minor policy adjustments are sometimes all it takes to ensure the proper protection. Sometimes, you may require in-depth changes or even an entirely new policy. We guide you toward the course that promises optimal protection for your business.

Your Business – Our Security

Whether it’s mitigating loss or warding off damages, commercial coverage is designed to safeguard your business. The scope could be range-bound or exhaustive, encompassing various domains. We help translate the insurance jargon into understandable terms, assisting you in making best-disposed choices.

Contact Fuhriman Insurance Agency Today!

Set your business insurance concerns aside by contacting us at Fuhriman Insurance Agency. Positioned in Boise, ID, we have seasoned agents to guide you toward enhanced business protection and ensuring peace of mind. The professional assistance combined with extensive coverage options ensures comprehensive protection for your enterprise. There’s no need to settle for less when our expert team is at your disposal, ensuring your business remains progressive.

Who Should Carry Umbrella Insurance?

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Many Boise, ID, residents, and business owners can benefit from umbrella insurance. It significantly adds liability coverage to your existing home, condominium, renters, vehicle, and business policies. This gives you greater protection from some types of lawsuits, especially those involving accidental injuries. Not everyone needs this kind of insurance, but it’s often desirable for individuals and companies with substantial amounts of valuable assets.

Assets

If the value of your personal assets exceeds the liability limits on existing auto, home, or renters’ insurance, consider signing up for an umbrella policy. The same goes for businesses. Consider obtaining umbrella coverage if the total worth of your business assets surpasses your commercial liability insurance cap. An alternative is to add more liability coverage to an existing policy, but this isn’t always possible.

Risk Level

You may also want to consider your vulnerability to claims. Your company might need an umbrella policy when numerous people visit your place of business, or you perform services at customers’ homes. Likewise, it could prove necessary if you sell a product with the potential to cause significant damage or injuries. An individual who holds large parties at home or frequently travels long distances by car could also benefit from umbrella coverage.

If you decide an umbrella policy is right for you or your company, talk to the coverage experts at Fuhriman Insurance Agency. Our Boise, ID, agency has over six decades of experience and strives to serve customers promptly, efficiently, and reliably. We’ll independently help you compare options from a variety of dependable insurers. Please call 208-327-3400 or 877-342-7935 to reach the friendly staff at Fuhriman Insurance Agency.