Are there any exceptions where life insurance would not pay my beneficiaries?

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Are there any exceptions where the life insurance company would not have to pay out the death benefit to your beneficiaries? It turns out there are a few. Fuhriman Insurance Agency lists some of the most common ones in Boise, ID.

1. Suicide 

In almost all cases, if you die by suicide within the first two years of buying a life insurance policy, the insurer can refuse to pay the death benefit. After two years have passed, though, suicide is generally no longer grounds for denial. 

2. Drug and alcohol use 

If you die from using drugs or alcohol, your life insurance policy may not cover it. This is because drug and alcohol use are considered high-risk activities that can lead to death, so insurers may exclude them from coverage or charge higher premiums for policies that cover them. 

3. Dangerous hobbies 

Certain hobbies, such as skydiving, rock climbing, and bungee jumping, are considered high-risk activities that could lead to death. As a result, your life insurance policy may exclude them from coverage or charge higher premiums for those that cover them. 

4. Not disclosing pre-existing medical conditions 

When applying for life insurance, you’re typically required to disclose any pre-existing medical conditions. Failure to do so could result in the insurer refusing to pay the death benefit if you die due to that condition. 

5. Murder 

If you’re murdered, your beneficiaries will likely still receive the death benefit. However, if convicted of murdering you, they will not be eligible to receive the money. 

There are some exceptions where beneficiaries may not receive the death benefit. If you have any questions, don’t hesitate to contact Fuhriman Insurance Agency. We are here to help Boise, ID.

What Is Pest Control Insurance and What Does it Cover?

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Fuhriman Insurance Agency strongly recommends looking into pest control insurance if you operate a pest control business in the greater Boise, ID area. Unfortunately, many pest control companies have never heard of pest control insurance and have no idea that there is a specific type of insurance that covers and protects their business. Read on to learn more about this type of insurance, what it covers, and why it may benefit you. 

What is Pest Control Insurance?

Pest control insurance is a commercial insurance product explicitly designed to protect pest control companies. Pest control companies are a bit different than other types of businesses because they handle a large amount of chemicals and are in people’s homes or businesses. On top of this, pest control drivers drive from location to location. As such, pest control insurance is designed to provide you with insurance to cover all of these situations. 

What Does Pest Control Insurance Cover?

Pest control insurance covers many things. Some of these things include lawsuits that may arise if the wrong chemical is used and someone becomes sick. Pest control insurance also helps to protect your business from lawsuits you may face if one of your drivers is involved in an accident while driving to or from a place where pest control services are needed. 

At Fuhriman Insurance Agency, serving the greater Boise, ID region, we work with small, medium, and large business owners to help them find the commercial insurance policies that are best suited for their business needs. If you are a pest control company, pest control insurance is perfect for your business. Reach out to our insurance agency today to learn more about pest control insurance or to obtain an estimate for a new policy. 

Three problems you can avoid by choosing the right auto insurance policy

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Auto insurance is a necessity if you want to legally drive a vehicle. Luckily for you, we sell auto insurance to motorists in Boise, ID at Fuhriman Insurance Agency. 

Auto insurance policies can protect you from all sorts of problems as a vehicle owner. The following are three problems you can avoid by choosing the right auto insurance policy. 

Facing a great deal of financial damage as the result of an accident

A car accident can cost you a lot of money. Not only can you lose the value of your vehicle without auto insurance coverage, but you could also face high expenses from lawsuits and medical bills. 

One of the most significant benefits of the right auto insurance policy is that it can protect you from financial damage. 

Paying for excessively high auto insurance premiums

The right auto insurance will offer you adequate coverage at a competitive price. If you do your research and find the right policy, you can avoid paying excessively high insurance costs as a vehicle owner. 

Dealing with frustrations when you have to file an auto insurance claim

A good auto insurance policy comes from a company that offers good customer service. Good customer service makes it convenient and straightforward for you to file a claim when necessary.

If you find the right auto insurance policy, you will enjoy a streamlined process and helpful one-on-one attention whenever you need to file a claim. This can save you from many frustrations after the already stressful experience of being involved in a vehicle accident. 

Let us assist you with researching auto insurance policies available to you as a motorist in Boise, ID. Get in touch with us at Fuhriman Insurance Agency to learn more. 

Business Owners Need to Protect Their Employees with Workers’ Comp Insurance

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Worker’s compensation is essential. Why? It protects employees who become ill, injured, or killed on the job. It compensates them for the losses they suffer. It also keeps employers who are protected from paying for losses out-of-pocket and any lawsuits that could result. The Fuhriman Insurance Agency of Boise, ID can provide business owners protection.

Employers are vulnerable to costly lawsuits without workers’ compensation insurance protection. It helps employees if they fall on ice outside of their office and break an arm, if they work with chemicals daily and become sick, or if they get an accidental needlestick while tending to a patient.

Every state except Texas requires employers to purchase insurance coverage, providing a range of benefits for employees who become ill or injured because of their employment. They will receive benefits regardless of who is at fault.

What exactly is covered by workers’ compensation coverage?

  • Mental and physical injuries resulting from strain while on the job
  • Pre-existing conditions that become worse due to their job
  • Injuries that could happen during work-sponsored events, breaks, lunch periods, or any company function
  • Physical injuries caused by the performance of the job

Workers’ compensation insurance makes resulting injuries easier to bear if they cannot perform job functions for a period of time. It provides benefits to the worker and their family when the worker is incapacitated.

In addition to lost wages, the cost of retraining the employee, rehabilitation, and all medical expenses will be covered. The business is also protected as it provides income and relief for the worker after an accident, reducing the possibility of a lawsuit.

If you are a business owner, ensure you protect your interests and employees with worker’s compensation insurance. Contact the Fuhriman Insurance Agency of Boise, ID today. You will be glad you did.

The Different Types of Offroad Toys That You Can Enjoy

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There are many different types of recreational toys that you can find on the market. Each one offers its own set of benefits and features. Here is a look at some different offroad recreational toys from Fuhriman Insurance Agency of Boise, ID.

The Different Types of All-Terrain Vehicles

One of the most popular types of ATVs is the four-wheeler. Four-wheelers are typically smaller and lighter than other ATVs, making them easier to maneuver and handle. They also have a lower center of gravity, which makes them less likely to tip over.

Another popular type of ATV is the six-wheeler. Six-wheelers are larger and heavier than four-wheelers, but they offer more stability and traction. They are ideal for driving on rough terrain or in off-road conditions.

The Different Types of Utility Terrain Vehicles

Utility ATVs are designed for work purposes, such as hauling equipment or supplies. They are typically more extensive and more powerful than other types of ATVs. Many utility ATVs also have special features, such as a dump bed or a plow.

The Different Types of Side-by-Sides

Side-by-side ATVs are becoming increasingly popular, especially for those who want to use their ATVs for recreation or utility purposes. Side-by-side ATVs have two side-by-side seats, rather than one in front of the other. This design offers more stability and allows for more passengers to ride together.

Other Types of Recreational Toys

There are also several specialty ATVs on the market, such as racing ATVs and dune buggies. Racing ATVs are designed for speed and agility and are often used in competitive events. Dune buggies are designed for off-road driving and are often used on dunes or rough terrains.

If you’re looking for recreational toy insurance in Boise, ID, look no further than Fuhriman Insurance Agency. We can help you insure your toys so you can enjoy them worry-free. Give us a call today to learn more about our coverage options.

Does Renters Insurance Cover Structures Leased in Boise, ID?

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Have you leased a home or a structure in Idaho? If you are renting a home in Boise, ID, your space and belongings will need formidable coverage to safeguard them in case of an impending peril like fire and theft. Unfortunately, many Boise, ID residents with leased structures think their landlord’s homeowner’s insurance will also cater to their personal properties in case a calamity strikes. The truth is that the landlord is only responsible for the leased structures, not the belongings stored in them. Buying a formidable renter’s insurance from Fuhriman Insurance Agency is smart. It will cover your belongings, like furniture, clothing, and appliances, against imminent perils. Reach out to our agents today and buy renters insurance that meets your needs and budget.

At Fuhriman Insurance Agency, we offer the following types of renters insurance for leased structures:

Personal property: What will you do if your leased home is ravaged by perils such as hailstorms, theft, or getting vandalized while traveling? This type of coverage pays for the repair or replacement cost of your belongings like clothing, electronics, and furniture up to the limits in your policy.

Liability coverage: This safeguards a policyholder or their family members against lawsuits by third parties arising from physical injury or prevailing property damage. It also cushions you from damage caused by your pets.

Additional living expenses: If your leased condominium is damaged by a given peril stated in your policy and you are forced to relocate elsewhere temporarily, renters’ insurance pays for additional expenses such as hotel bills, restaurant meals, and other prevailing costs. It pays for expenses when your leased property becomes uninhabitable, and you incur additional costs as it is repaired or reconstructed.

Medical payments coverage: This type of coverage will cushion you from any accruing medical bills if a visitor staying on your leased structure or home gets injured, regardless of who is responsible.

Are you a Boise, ID resident searching for reliable renters’ insurance to safeguard yourself and your leased space? Please call or visit us at Fuhriman Insurance Agency today for a competitive quote. We fully understand renters’ insurance needs differ.

Will umbrella insurance cover things that my primary insurance doesn’t?

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Umbrella insurance is designed to act as a second insurance policy. In other words, it’s designed to act as "extra insurance" that kicks in after your primary insurance limits have been exhausted. Our team at Fuhriman Insurance Agency is committed to helping Boise, ID residents understand umbrella insurance and what it can do for them. 

How Does Umbrella Insurance Work?

Umbrella insurance only kicks in if your primary insurance fails to cover something or the maximum limits of your primary insurance have been reached. The limitations of your primary insurance must be exhausted for umbrella insurance to kick in. Umbrella insurance can also cover things not covered by a primary insurance policy if the non-covered situation is something that umbrella insurance would typically cover. However, this is a rare occurrence because umbrella insurance isn’t designed to operate as primary insurance. 

Will umbrella insurance cover things that my primary insurance doesn’t?

As mentioned above,  umbrella insurance isn’t primary insurance. It’s secondary insurance. However, there are rare situations when a primary insurance policy may not cover something that’s covered by an umbrella insurance policy. In these situations, umbrella insurance would cover what’s not covered by your primary insurance policy. Instances like this are rare because many insurance companies will do their due diligence to ensure that your primary insurance provides the coverage you need. The umbrella insurance will only kick in if the policy limits are maxed out. 

Other Considerations…

Umbrella insurance isn’t designed to cover your car, house, or possessions. It covers the cost of injury to others as well as damage you may cause to other people’s property. It covers what your primary insurance excludes and exceeds beyond primary policy limits. If you have questions regarding the benefits of umbrella insurance, call us. We’re standing by. 

What Types of Commercial Insurance Do You Need?

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There are many different commercial insurances, and it’s tough to figure out which is right for your business. But don’t worry – we’re here to help! Here are the most common types of commercial insurance:

1. Property Insurance

This type of insurance protects your business property from damage or theft. It can cover the building itself and any contents inside. Any company that owns property should have this type of insurance.

2. Liability Insurance

Personal injury protection protects you against legal responsibility if someone is injured on your property or sued for violating anti-discrimination or defamation laws. You have too much on the line not to have this type of insurance!

3. Product Liability Insurance

This is important for any company that manufactures or sells products. It offers protection to your assets if a product you sell causes harm to someone. A product liability policy can cover medical expenses, legal fees, and damages. Your Fuhriman Insurance Agency expert will help you determine the right coverage for your business.

4. Professional Liability Insurance

If you provide professional services, this type of insurance protects you from financial damages if someone accuses you of negligence. For example, if you’re a doctor and a patient sues you for malpractice, this type of insurance would cover your legal fees.

5. Workers’ Compensation Insurance

This type of insurance is required by law in most states if you have employees. It covers their medical expenses and lost wages if injured on the job. Workers’ compensation insurance protects you and your employees, so it’s a win-win.

No matter your business type, Fuhriman Insurance Agency can help you find the right commercial insurance policy. We’ll work with you to determine your coverage and get you the best rates.

Update Your Life Insurance After These Life Events in Boise, ID

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No one likes to think about their mortality, but it’s essential to have a life insurance policy in place in case the worst should happen. And while you may not need to think about your life insurance very often, there are certain times in your life when it’s a good idea to look at your policy and make sure it’s still appropriate for your needs. Here are four life events that should prompt you to update your life insurance in Boise, ID.

1. Marriage

Updating your life insurance is a good idea if you’re getting married. When you’re single, your life insurance needs are likely much different from when you’re married. A two-income household suffers when one spouse dies, so you’ll want to ensure your life insurance is enough to cover the loss of income.

2. Birth or Adoption of a Child

When you have a child, you’ll want to make sure your life insurance is enough to cover the costs of raising them. This includes things like childcare, education, and other expenses. You may also want to consider getting a life insurance policy for your child, known as a child rider. Your Fuhriman Insurance Agency agent can help you determine the right amount of life insurance for your family.

3. Change in Financial Situation

You’ll want to update your life insurance if your financial situation changes. This could be because of a change in income, a change in debts, or a change in assets. You’ll want to ensure your life insurance suffices to meet your needs. For example, purchasing a home or starting a business will likely require more life insurance than you had previously.

Learn more about updating your life insurance policy by contacting Fuhriman Insurance Agency today. Our experienced and friendly agents are here to help you find the right policy for your needs. Call us or stop by our office in Boise, ID to get started.

Environmental Risks Covered by Pest Control Insurance

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When you contact Fuhriman Insurance Agency serving Boise, ID about insuring your pest control business, you might find it surprising that we have pest control insurance at the ready. It protects your business in ways other companies receive protection from commercial insurance, but a pest control policy also protects your company from the environmental risks it undertakes.

Pest control insurance refers to an insurance bundle consisting of a business owner’s policy and other policies, including environmental risk insurance and pollution liability policy.

What does environmental and pollution insurance cover?

Damage or illness incurred by an individual or group due to your company’s treatment of their home, office, or the structure adjacent to theirs.

Certain aspects of pest control can cause issues for those around the home or business treated for pests. This includes the following:

  • Soot
  • Smoke
  • Vapors
  • Fumes
  • Alkalis
  • Toxic chemicals
  • Acids
  • Liquids or gases
  • Waste materials
  • Other irritants & contaminants

Your Environmental Liability

Your pest control business aims to make things safer for those in the home or business that you spray for pests. Still, sometimes, due to faulty tenting or venting, your pest control substances may cause a problem for another individual or family.

Your pollution liability and environmental components of your pest control insurance protect your financial security by covering the medical costs of those individuals and any settlement from the illness.

Contact Us

Contact Fuhriman Insurance Agency, serving Boise, ID, for more information on insuring your pest control service. Let us help you protect your financial security with the appropriate coverage for your pest control business, so your liability remains covered, and you can operate your business with peace of mind.