• Home
  • Get A Quote
  • Customer Service
  • Refer a Friend
  • About Us
  • Location Map
  • Employee Directory
  • Privacy Policy
  • Contact Us
Call Full Armor Insruance Services CALL US TODAY | (208) 664-6000
Home
  • Home
  • Get A Quote
  • Personal Insurance
    • Automobile
    • Homeowners
    • Life
    • Motorcycle
    • Watercraft & Boat
  • Business Insurance
    • Business
    • Church
    • Non Profit
    • Mission/Travel
  • Life and Health
    • Dental
    • Group Health
    • Life
  • Resources
    • Secure File Area
    • Make a Payment
    • Refer a Friend
    • Policy Management Forms
    • Important Links
    • Insurance Glossary
    • News Center
    • Join Our Newsletter
  • About Us
    • About Full Armor Insurance Services
    • Our Locations
    • View Our Blog
    • Employee Directory
    • Customer Testimonials
    • Privacy Policy
  • Contact
Business Insurance BUSINESS

Browse a variety of insurance options in order to find the right one for you.

Read More
Auto & Home Insurance AUTO & HOME

A standard policy insures the auto & home and the things you keep in them.

Read More
Life Insurance LIFE

Learn about different life coverage options that fit your specific needs.

Read More
Non-Profit Insurance NON-PROFIT

Finding insurance doesn't have to be difficult. We do the work for you.

Read More
Travel Insurance TRAVEL

Discover the perfect insurance options to meet your specific and unique needs.

Read More
Auto Insurance CHURCH

Church insurance protects you against financial loss if you have an accident.

Read More
Home > Business Insurance - Boise, Coeur d'Alene, Spokane, Idaho & Utah

Business & Commercial Insurance


Business & Commercial Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Church Quote Request Form
Commercial Auto Insurance Quote
Non Profit Insurance Quote Form
Workers Compensation Quote

Business & Commercial Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Add A Church Vehicle
Add a Driver
Add Driver to Existing Commercial Auto Policy
Add Vehicle to Existing Commercial Auto Policy
CERTIFICATE REQUEST - Business / Commercial
Request ID Card for Commercial Auto Policy

Business & Commercial Insurance Information

Serving Boise, Coeur d'Alene, Eastern Washington & Utah


There's plenty of opportunity in the business world, but also plenty of risk. Staying profitable and successful is as much about avoiding costly mishaps as it is about growing your customer base.

Unfortunately, accidents and liability claims can affect even the most prepared businesses. But with a comprehensive business policy from Full Armor Insurance Services, LLC in tow, you'll be able to keep your doors open. Contact us today to learn more about how the coverages we offer can benefit your business.

Commercial Auto

As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.

Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.

While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options.

General Liability

If you have a personal umbrella liability policy, there's generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.

Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.

General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.

Broad Range of General Liability Protection

  • Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury.
  • Property Damage coverage for the physical damage to property of others or the loss of use of that property.
  • Products-Completed Operations provides liability protection (damages and legal expenses up to your policy's limit) if an injury ever resulted from something your company made or service your company provided.
  • Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents.
  • Contractual Liability extends to any liability you may assume by entering into a variety of contracts.
  • Other coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types.

Workers Compensation

Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.

Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.

In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.

Do I Need Workers Compensation Insurance?

Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.

To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.

Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.

Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. For example, in most states there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved.

Workers compensation insurance must be bought as a separate policy. Although in-home business and business owners policies (BOPs) are sold as package policies, they don't include coverage for workers' injuries.

Additioanl Resources

  • Can Business Insurance Minimize Risk to Your Doctors Office Equipment?
  • Read more business insurance articles here
Facebook
Twitter
LinkedIn
Blog
Google+
ING
GuideOne
Foremost
CNA
Progressive
The Hartford
Safeco
American Modern
Travelers
Bristol West
Zurich
Twitter Logo
Tweets by @FullArmorIns

Resources

Home About Us Get a Quote Customer Service Newsletter Contact Us

Contact Us

Map
  • Full Armor Insurance Services LLC
  • 500 N Government Way, Ste. 300
  • Coeur d Alene, ID 83814
  • O: 208-664-6000
  • O: 866-245-1077
  • F: 208-765-8676
© Copyright 2017. All rights reserved.
Powered by Insurance Website Builder