What Umbrella Insurance Won’t Cover

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As with any insurance policy, some things are not covered by an umbrella insurance policy. However, umbrella coverage offers Boise, ID residents additional coverage not found in standard auto and homeowners insurance policies. However, even umbrella insurance does not cover everything. Speak with the experts at Fuhriman Insurance Agency to learn more about your coverage under umbrella insurance. 

What Is Umbrella Insurance?

Umbrella insurance helps offer extra liability protection for your existing auto, homeowners, or other insurance coverage. Umbrella insurance is not a standalone policy; it is a supplemental policy. These additional insurance policies only apply to liability coverage and do not cover everything that a standard policy does. 

What Is Not Covered By Umbrella Insurance?

There are several things an umbrella insurance policy does not cover. Some of those items include: 

  • Your injuries
  • Damage to your belongings
  • Intentional acts
  • Criminal acts
  • Property damage and injuries in certain circumstances (including uncovered dog breed or uncovered recreational vehicles)
  • Other people’s injuries or damage your business is liable for
  • Other exclusions listed in the policy

What Does Umbrella Insurance Cover? 

Though there are exclusions, having umbrella insurance is very beneficial in protecting you against liability claims. Umbrella insurance provides coverage to pay for the costs of damages to another person’s body and damage to another person’s property. Additionally, umbrella insurance covers personal claims against you, such as libel, slander, unlawful detention, mental anguish, and malicious persecution. 

How Much Does Umbrella Insurance Cost? 

The cost for umbrella insurance varies depending upon the coverage needed. On average, umbrella insurance costs between $200 and $300 per year (sometimes more). However, lower premiums do result in higher deductibles, which is something to consider when shopping for umbrella insurance. 

Having umbrella insurance protects you against any liability incurred. The experts at Fuhriman Insurance Agency understand the need for Boise, ID residents to customize their insurance policy and add umbrella insurance coverage. 

Common Myths About Life Insurance You Should Know

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Life insurance is an overcomplicated and sensitive topic as it involves talking about death, leaving your loved ones behind and money. All these are critical areas of life that require proper planning and sober decision-making. That’s why many people in Boise, ID prefer to skip it. However, to understand your needs, you need to be well-versed with life insurance policy types. At Fuhriman Insurance Agency, we recommend learning your needs before buying the policy. To get you started, here are the common myths we thought you should know.

You don’t need life insurance when young

In fact, it’s the exact opposite. Young people have many advantages when they buy life insurance at a young age. It is also true that they need life insurance more than seniors. Remember, as a young person, you still have critical decisions to make, such as getting married, buying a home, or starting a business.

It is too expensive

Millennials in Boise, ID tend to skip life insurance because they overestimate the cost. However, life insurance is cheapest when you are young, strong, and healthy. You can lock in low rates that will remain that way up to the agreed duration. Term life insurance is cheaper and allows you to carry the policy for the amount of time you like.

If you have a condition, you’re not eligible

Just because insurance providers use health and age to determine insurance rates doesn’t mean you cannot buy insurance if you’re diagnosed with a condition. In contrast, some policies are specifically designed for specific health conditions like cancer and diabetes. You can also opt for simplified life insurance that doesn’t require a medical exam.

Let us help you

There is so much you can learn about life insurance, but the most important lesson is that you need it to protect your loved ones financially. If you need more information or help to buy the policy, contact Fuhriman Insurance Agency, and we will be happy to help.

Does Commercial Insurance Cover Errors and Omissions?

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Dealing with a pest invasion either at home or office is a hectic and troublesome experience. When faced with such menace, contacting a professional exterminator is the way to go. Pest control is critical in keeping pest nuisance away. As much as control measures are vital, some risks come into account. Fuhriman Insurance Agency in Boise, ID, is your trusted partner in coverage services.

Why Is Insurance Necessary?

Pest control insurance is not a mandatory requirement. However, once your pest control company gets insured, you enjoy peace of mind knowing that your Agency covers your operations. Additionally, commercial insurance makes a business more marketable to current and potential customers.

Professional pest exterminators need insurance companies to protect their businesses from unexpected incidences. They include termite damages, misapplication of chemicals, destruction of client’s property during practice, injury to workers, and chemical spills. Overlooking the occurrences result in pest companies paying for damages from their pockets if they lack proper insurance.

Insurance Covers for Pest Control Companies

General Liability

The insurance policy protects pest control companies in the event of unforeseen claims and lawsuits. For example, client injury caused by equipment left by a company employee could result in possible prosecution. Thankfully, having a liability cover insurance package takes care of any medical and legal costing undertaken. General liability insurance also covers property damage that results from the pest extermination exercise.

Employee Insurance

It is a requirement to cover both part-time and full-time employees. The insurance package covers medical bills for injuries or illnesses acquired in the workplace. Employees constantly deal with hazardous chemicals, risky to their health, thus making the cover vital.

Commercial Auto Insurance

All business vehicles must have insurance cover. It protects the driver and the car in case of an accident. A pest control company should not put its employees and vehicles at risk thus should have valuable commercial vehicle insurance.

If you are in Boise, ID, contact Fuhriman Insurance Agency today to purchase a pest control cover.

Is Pest Control Insurance Required in Boise ID?

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When pests are wreaking havoc on your home or office, calling professional exterminators is your best line of defense. Pest control companies are very critical in keeping pesky critters out of people’s lives. However, even as you strive to keep people’s premises pest-free, there is a fair share of risks involved. To this end, you need pest control insurance from Fuhriman Insurance Agency of Boise, ID to protect your business.

Is pest control insurance required in Idaho?

While you aren’t legally required to buy some aspects of pest control insurance, you will thank the insurance gods you had comprehensive commercial insurance when the unthinkable happens. 

Common commercial insurance coverages specific to pest control companies

If you are a professional exterminator, having the right commercial insurance can protect your business from sliding into a financial hole. Additionally, having commercial insurance makes your business marketable as customers view you as a reputable business. 

Here are the common business insurance coverages common for pest control companies:

General liability insurance

This coverage isn’t legally required but can save your business thousands of dollars if you are sued. Besides, many customers will demand this insurance before they hire your services. Here is how commercial general liability insurance protects your business.

  • Bodily injury: If a client trips and sustains injuries due to equipment you left at their premises, they could sue you for negligence. Thankfully, if you have liability coverage, it covers medical costs and legal costs.
  • Property damage: Assume your employee accidentally spills chemicals on your client’s electronics and damages them. As a result, general liability insurance should cover the property damages. 

Workers’ comp insurance

Whether you have part-time or full-time employees, you need workers’ comp insurance in Idaho. It covers employees’ medical costs for general illnesses and injuries suffered in the workplace. This coverage is even more critical in pest control companies, given that employees are constantly interacting with dangerous chemicals that could be detrimental to their health.

Commercial auto insurance

It’s mandatory in Idaho State for all business vehicles to have commercial auto insurance. This coverage protects your driver and vehicle when involved in an accident.

If you are a pest control company, don’t put your business and employees at risk by not carrying commercial insurance. If you are in Boise, ID, and its environs, please contact Fuhriman Insurance to purchase pest control insurance.

Auto insurance FAQs

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If you are new to buying auto insurance, or you are just ready for a change of carrier or agency, there may be a lot of questions that come to mind. Having an insurance agent who has lots of answers makes the process much easier. If you are in or near Boise, ID, Fuhriman Insurance Agency can provide the answer you need. We realize that our customers are our most precious asset and our goal is to provide the best insurance products at the most reasonable price. 

How much auto insurance do I need to have?

In Idaho, liability insurance is required by law. The mandated coverage amount is 25/50/15. If you have an auto loan, you will be required to carry collision and comprehensive insurance. 

What deductible should I have?

The deductible is the amount you will need to pay out of pocket before your auto insurance covers repairs on your vehicle. You should choose an amount that won’t be difficult for you to pay. 

Do I need full glass coverage?

If you have ever taken a stone to your windshield you know the answer to this question. It is a very minimal premium, and it provides great service. 

What is comprehensive insurance cover?

Comprehensive insurance covers damages to your vehicle that are beyond your control. If your car is stolen or vandalized that will be covered. If hail damages your paint or a limb is blown onto your vehicle, that is covered. If a deer runs into your car, that is covered. 

Do I need to have collision insurance?

If you are in an accident where you are at fault collision insurance will pay to have your vehicle repaired after you pay the deductible. If you need your vehicle, you need collision coverage. 

In Boise, ID contact Fuhriman Insurance Agency for all your auto insurance needs. 

Why should I get toy insurance in Idaho?

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In the Boise, ID area, those that enjoy being outdoors and active will find that there are a lot of great places to use a recreational toy. If you are going to have one in this area, you should make sure that you have the right insurance coverage for it. There are several reasons why you should get a toy insurance plan for your vehicle in this area of Idaho.

Insurance Protects Asset

A key reason that you should get a recreational plan is that it can protect your asset. If you are going to buy one of these assets, you will have to spend money to buy and maintain it. Along with this investment, you will want to know that you can enjoy the asset for a long time. With a toy insurance plan, you will have the coverage needed to replace or fix it if there is an incident of theft or damage.

Insurance Mitigates Liability Concern

You should also consider getting a toy insurance plan in this area of Idaho as it will give liability protection. There will always be a risk that you could cause an accident when using your recreational toy. If this happens, you may need to spend a lot of money making repairs to the other party’s assets. With liability coverage, you can receive financial protection for this risk. 

As you are looking to protect your recreational toy in the Boise, ID area, it would be helpful to call the team with the Fuhriman Insurance Agency. When you speak with the Fuhriman Insurance Agency you can learn a lot about this type of insurance coverage. They can give all support that you need to have your questions answered and pick a plan that will adequately protect you and your recreational toy. 

Who Needs Worker’s Compensation Insurance?

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As the employer, you must provide a safe working place you’re your staff. Unfortunately, even with your best efforts, accidents that result in employee injury can happen in any business. In such instances, you will have to compensate the employee for the injury they have endured and the income they will likely lose. This is where workers’ compensation insurance comes in to take the burden of employee compensation off your shoulders. 

Whatever business you are in, workers’ compensation insurance is a must-have. If you are based in Boise, ID, you can check out Fuhriman Insurance Agency for your enterprise’s workers’ compensation insurance. Why is workers’ compensation insurance important? 

Protects Your Employees

The primary purpose of worker’s compensation insurance is to protect your employee in case of a work-related injury. It protects your employees’ financial future, which might be negatively affected by the high bills accrued treating the injury. In addition to this, it provides employees with sustainable income as they recover from the injury. Moreover, some workplace injuries can lead to loss of quality of life, workers’ compensation insurance provides financial relief to fill the gap.

Protects the Business from Expensive Lawsuits

Without compensation, workers may be forced to sue a business after they sustain an injury at their workplace. Lawsuits are expensive, and the business should avoid them. Besides the legal fees, a judge or jury may award the employee a high compensation that might hurt the business’s financial health.

Good for the Company’s Prosperity

Fuhriman Insurance Agency points out that paying for workers’ compensation insurance premiums is more affordable than paying for the workers’ compensation out of pocket. Moreover, workers are more motivated to give their best at work if they know they are insured against injury. It also improves the brand’s public image, which boosts sales. All of these are good for the company’s prosperity.

Is your Boise, ID business in need of workers’ compensation insurance? Reach out to us for all the help you need.

Does your renter’s insurance move with you when you move?

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Does the same renters’ insurance policy move with the insured when they move from one home to another? Within the same city? State? To another state?

Yes. When you move within the same town or state, you only need to update your address, typically. Your premiums may go up or down due to your new address. One of the criteria for premium setting relates to location. A bad neighborhood of high crime costs more in premiums because it increases the risk to the insurance company. Conversely, if you move to a nicer neighborhood in Boise, ID, your premiums could drop.
You need to contact Fuhriman Insurance Agency within 30 days of your move to update your address. Your coverage will lapse if you do not. Your policy covers your belongings at the address on the policy.

Yes. While you move from one address to the other. The standard renters’ insurance covers your items while in transit.

No. When you move from one state to another state, you no longer have coverage. Each state has separate criteria for insurance agents and agencies. You must obtain a new renters’ policy from an insurer within the state.

You may choose to use the same insurance company, but you will need a new agent local to the area.

If you just moved to Boise, ID or you recently moved from one home to the other and need to update your renter’s insurance, call us at Fuhriman Insurance Agency. We can help you obtain the insurance coverage you need to protect your belongings in your new abode.

Do You Need Umbrella Insurance Coverage?

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There are plenty of options for good insurance coverage, but sometimes you just want a little more than what your other policies provide. If that’s the case for you, or if you’re not sure whether more coverage would be the right choice, come talk to us at the Fuhriman Insurance Agency. We work with customers in the Boise, ID area who have questions about umbrella insurance and other types of policies. Our professional agents can help you get the type of policy that’s right for your needs, and add to the coverage you already have so you have a higher level of protection and more peace of mind.

There’s a myth that only the wealthy or those that have their own businesses need this kind of extra insurance protection. While it’s likely that people in those situations do have additional coverage, this kind of added insurance can be a good choice for nearly anyone. Even those who don’t have significant assets may be able to benefit from an umbrella policy that will add to what they already have in their current insurance portfolio. We can help you decide if this type of coverage is needed and right for you.

Reach out to us at the Fuhriman Insurance Agency today, and let’s see how we can help. If you’re in the Boise, ID area and have questions about umbrella insurance, you’re in the right place. We know there are different ways to get the protection you need and want, and we’re committed to helping you have strong peace of mind based on your insurance choices. There’s no reason to settle for less than full protection that can let you focus on other areas of life and get back to doing all the things you enjoy with your time.

Why should people get life insurance in Idaho?

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Those that are in the Boise, ID area need to spend time assessing their personal insurance needs. One type of insurance coverage that people here should consider getting is life insurance. There continues to be a variety of reasons why someone here should get a life insurance plan. 

Insurance Gives Financial Protection to Dependents

A key reason that people need to get life insurance is that it will provide financial protection to their dependents. Those that have dependents that rely on their income should ensure they will be cared for and covered in the future as well. With a life insurance plan, you can ensure that they will have the financial resources needed if you were to pass away. 

Life Insurance Offers Financial Benefits

You should also get a life insurance plan as it can offer great financial benefits. Beyond providing the insurance payout, you can also use life insurance to invest and prepare for your future. With a whole life insurance plan, your monthly payment will include some money that goes into an account that will grow in value. You will be able to liquidate this account and use it for any other purpose that you want. 

When you are in the Boise, ID area it is very important that you get proper insurance coverage. For those that are looking for life insurance here, a great company to speak with is Fuhriman Insurance Agency. The team that works with Fuhriman Insurance Agency understands the value that this coverage provides. They also understand the personalization that needs to go into each plan. The team here can help you determine the type and level of life insurance that is right for you. They can then help you to build a policy that is ideal for your situation.