Oregon Business Insurance
Running a business is unpredictable, but buying business insurance shouldn’t be. I understand the importance of having comprehensive business insurance coverage in place – no matter how big or small the business may be.
Insurance value should not be determined by the lowest price and not all businesses fit into the same cookie cutter policy. You owe it to your business to get the very best business insurance value for the dollar invested for your Portland Oregon business.
I work with my prospects and clients and provide a tailored insurance option that will fit your business needs, focusing on finding you value, but more importantly finding the right insurance coverage for your business.
Below are the lines of insurance coverage that are discussed during a review of your risks:
Business Owner Policy: A Business Owner’s Policy (BOP) is a prepackaged insurance policy specifically for small businesses and provides a combination of coverage that includes Commercial General Liability, Commercial Property, Business interruption, and many additional protections into one convenient policy. I’ll work with you to design coverage that protects your business from a variety of risks, unique to you.
Commercial Auto Insurance: Whether you have one vehicle or a whole fleet, I can help you implement custom coverage that will protect any auto that is owned, leased, hired or borrowed by your business.
Cyber Liability & Privacy Insurance: Cyber liability insurance is a type of insurance that helps protect your business in the event of a data breach, network security failure, or other cyber threat, and from risks relating to information technology infrastructure and activities. I’ll help you evaluate the cyber liability risks your business faces and find you a policy that meets your specific needs.
Commercial Umbrella Liability Insurance: Umbrella Liability insurance is designed to supplement existing insurance policies, giving you an additional layer of protection for your business. I’ll work with you to find the right umbrella solution to cover all your business needs.
General Liability: Your business is faced with several liability hazards everyday. Commercial General 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. I’ll work with you to determine your business risks and put together a liability option that makes sense for your business.
Liquor Liability: Liquor liability insurance is designed to defend against charges of negligence related to the service of alcohol. If your business manufactures, sells, serves, or facilitates the uses or purchase of alcohol, then this coverage is required. I’ll work with you to create a custom solution to help protect your business against liquor liability risks.
Media Liability Insurance: Media Liability insurance is tailored insurance coverage for companies that publish, broadcast, or are involved in other media-related activities as traditional insurance policies fail to address exposures related to these industries such as defamation, invasion of privacy, and intellectual property right infringements.
Pollution Liability Insurance: Pollution Liability Insurance protects and covers your company in the event of bodily injury, property damage and cleanup costs as a result of the dispersal, release or escape of pollutants.
Product Recall Liability Insurance: Product Recall Liability insurance is specialized coverage that provides protection in the event you must recall any of your products. Coverage will trigger due to malicious or accidental product contamination. I’ll work with you to create a custom solution to help protect your business against any of your products that might need to be recalled.
Commercial Property Insurance
Builders Risk Insurance: Builder’s Risk insurance is specialized insurance that’s intended to insure structures while they are under construction or renovation. This type of policy provides protection for final structure replacement cost value including the materials, fixtures, and appliances which are intended to become an integral part of the structure. I’ll work with you to design coverage that protects your structure while it’s under construction or renovation.
Business Property Insurance: Commercial property insurance protects your assets in the event that they are stolen, damaged or destroyed in a fire or natural disaster. I’ll partner with you to design insurance coverage that will protect your company’s property.
Commercial Crime Insurance: Every company, regardless of size, is a potential target for white collar crime. I’ll work with you to design insurance coverage that helps you minimize risk and protects your business and your assets from theft, fraud and forgery.
Commercial Earthquake Insurance: A loss due to “Earth Movement” and “Earthquakes” is an excluded perils under traditional Commercial Property Insurance. The only way to have protection from a loss due to an earthquake would be as an endorsement to your existing insurance policy or have a specific Earthquake Insurance policy in place. I’ll design a policy that will protect the physical contents and assets of your business, from the damage costs that come from earthquakes.
Electronic Data Processing Insurance: Electronic Data Processing Insurance covers the costs associated with the loss of damage of electronic data processing media or equipment.
Equipment Breakdown Insurance: Equipment Breakdown provides coverage for electrical mishap perils for property that’s insured. Covered equipment would include system’s equipment that’s relative to the buildings operations such as air conditioning units, electrical power panels, pressure vessels and boilers (includes kitchen equipment). I’ll partner with you to design insurance coverage that will protect your company’s equipment.
Commercial Flood Insurance: A loss due to Flood is an excluded peril under traditional Commercial Property Insurance. I’ll design a policy that will protect your business, as well as its physical contents and assets, from the damage costs that come from floodwater.
Inland Marine Insurance: Inland marine insurance is coverage that protects your business property while it’s away from your business location. I’ll help you ensure that your property is protected not only at your location but also while it is off-site or in transit.
Stock Throughput Insurance: Stock Throughput insurance is a marine policy which provides another way to insure your stock from the moment your business assumes an interest in goods to the moment that the interest ceases. I’ll work with you to make certain your inventory gets covered at all times whether in transit, undergoing process, or in storage at owned or third-party premises.
Management Liability Insurance
Directors & Officers Insurance (D&O): Directors and Officers liability insurance covers directors and officers for claims made against them while serving on a board of directors and/or as an officer. I’ll work with you to protect your organization’s leadership.
Employment Practices Liability Insurance (EPL): As an employer, you face a rising tide of employment practices litigation alleging discrimination, sexual harassment, retaliation, and other employment-related issues. I’ll work with you to help you assess and manage your risk proactively.
Fiduciary Liability Insurance: Fiduciary liability insurance protects individuals charged with the responsibility of creating, managing, and administering employee benefit plans and plan assets within business organizations. I’ll work with you to create a custom solution to help protect your business against fiduciary risks.
Workers Compensation Insurance
Workers Compensation: You’re required to carry workers compensation insurance in order to comply with state and federal regulations to pay for occupational injuries or disease regardless of fault. I’ll partner with you to make certain coverage is in place to protect your company’s employees.
Reach out to me when you’re considering Oregon Business Insurance. I will discuss coverages with you, how each coverage works and assess how it fits into your risk management needs. I provide you with comparative Oregon Business Insurance quotes from multiple insurance carriers so you can get the best possible rate.
As an insurance broker I help businesses throughout Oregon and the Pacific Northwest manage risk.