As an Oregon business owner you owe it to your company to get the very best commercial & business insurance value for the dollar invested. Insurance value should not be determined by the lowest price and not all businesses fit into the same cookie cutter policy.

The most common commercial package policy consists of general liability insurance, property insurance, business auto insurance, worker's compensation and umbrella coverage. As your Oregon Commercial & Business Insurance Agent and Advisor I will find a tailored package that will fit your business needs, focusing on finding you value, but more importantly finding the right coverages for your business. Below are the lines of insurance coverage that are discussed during a review of your risks:

Liability - Your business is faced with several liability hazards everyday. Commercial liability coverage is going to cover claims in four basic areas of business liability, these are: Bodily Injury, Property Damage, Personal Injury, and Advertising Injury.

Property - Commercial property insurance will provide coverage for your buildings, business personal property, and personal property of others.

Business Auto - Business auto insurance will cover any auto that is owned, leased, hired or borrowed by your business and pays damages for bodily injury or property damage for which you are legally responsible due to an auto accident.

Workers Compensation - Workers Compensation pays for occupational injuries or disease regardless of fault.

Employer Practices Liability - Employer Practices Liability insurance covers your business against claims by workers that their legal rights as employees of the company have been violated.

Professional Liability - Professional liability also know as Errors & Omissions will protect you against loss from a claim of alleged negligent acts, errors or omissions in the performance of your professional services. This coverage is excluded in a commercial general liability policy.

Directors & Officers Liability - Directors & Officers Liability (D&O) insurance insures against the risk of personal legal action against directors & officers of a company, by shareholders, creditors, competitors and employees for acts of negligence, acts outside their authority, or breach of trust or duty.

Cyber Liability - Cyber Liability Insurance insures your business' Internet-based risks, and from risks relating to information technology infrastructure. Coverages are purchased 'a la carte' and incorporated into one policy.

Group Health - Group health insurance contracts usually offer coverage for major medical expenses, hospital expense, and accidental death and dismemberment.

Surety Bonds - Surety bonds are issued by an entity on behalf of a second party, guaranteeing that the second party will fulfill an obligation or series of obligations to a third party. The surety company assumes liability for nonperformance.

Fidelity Bonds - Fidelity bonds will protect your business against financial loss from dishonest acts by employees or persons entrusted by your company due to dishonest or negligent action.