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101 N Ivy St
Canby, OR 97013

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What Happens If Your Motorcycle Insurance Lapses?

Posted on by agentinsure

It’s tempting to let your motorcycle insurance in Canby, OR, lapse during the off-season or when your bike is broken down. Most people feel like they don’t need insurance because they aren’t riding the bike. However, that’s not necessarily true. There are still consequences for not having proper coverage. 

Fines

You can still lose your license or face fines if you don’t have insurance on a vehicle, even if you’re not driving it. You may get pulled over while taking it on a test drive, which could result in losing your license or being issued a fine. That’s not the only financial consequence, either. 

Higher Premiums

Some insurance companies give you a slight penalty if you don’t have consistent insurance. You may discover that you have higher premiums when you try to get insurance again. An agent at Oliver Insurance can help you learn whether a lapse in insurance will impact your future premiums. 

Riding Without Insurance

The dangers of riding without insurance are significantly greater than not having insurance on a parked bike. Your bike may get impounded if you’re caught on the road. If you’re in an accident, you’ll be forced to pay for damages with your own money. This can result in lawsuits, forcing you to sell assets, and ultimately leaving you in a financial mess that can take years to recover from. 

You may have other options available, so you don’t have to let your policy lapse. Speak with an agent at Oliver Insurance to see if there are more affordable options available, such as downgrading your policy. Our agents will listen to your situation, review your policy, and try to help you find a solution. Contact us. We’re currently serving the Canby, OR, area. 

Holiday Hours, Team News & a Big THANK YOU!

Posted on by Ryan Oliver

As the holiday season approaches, we wanted to take a moment to share some updates, celebrate a few highlights, and most importantly—thank you for being a valued client.

What We’ve Been Up To Halloween was a roaring success! Spoiler alert: we take our pumpkin spirit seriously. This year, we went “wild”—literally—with a Wild Kingdom theme. We also kept up our cherished tradition of handing out candy to local trick-or-treaters, bringing smiles (and sugar rushes) to kids in the community.

Holiday Closures We will be closed on the following dates to give our team time with loved ones:

Veteran’s Day: November 11

Thanksgiving: November 28–29

Christmas Eve: December 24 (limited hours 9 am – 1 pm)

Christmas: December 25 & 26

New Year’s Eve: December 31 (limited hours 9 am – 3:00 pm)

New Year’s Day: January 1

Highlights

This year brought meaningful milestones to Oliver Insurance. We were thrilled to welcome Toni to our team, while also celebrating the well-earned retirement of our longtime colleague, Kathy. Her contributions over the years have left a lasting impact, and she’ll always be part of our story.

We were honored to participate in the Wayne Oliver Foundation Tournament, raising an incredible $20,916—a true reflection of the generosity and trust of our community. It was a privilege to celebrate Wayne, our founder, and the enduring legacy of his commitment to philanthropy.

At Oliver Insurance, putting community first is more than a motto—it’s a mission. Through our referral program and sponsorships, we’ve been fortunate to support many local organizations that uplift kids and families across the greater area. We’re grateful for the opportunity to give back and grow together.

Coverage That Works for You Choosing an agency doesn’t mean paying more—it means having someone in your corner. We offer a wide range of carrier options to fit your needs and budget. And while renewals have always been a priority, we’re adding even more focus to make sure your coverage continues to work hard for you.

Stay Connected Follow us on Facebook and Instagram to catch our Cougars of the Week, referral program highlights, and more behind-the-scenes fun. It’s a great way to stay in the loop and learn tips about insurance and keeping your family, property and business protected.

From all of us here, thank you for trusting us with your coverage. We’re grateful for the opportunity to serve you and look forward to what’s ahead.

Warm wishes,

Ryan Oliver
President
Oliver Insurance



Would Umbrella Insurance Benefit my Small Business?

Posted on by agentinsure

Many small business owners often wonder if they have enough insurance to meet the needs of their companies. This concern applies to businesses of all sizes, including small businesses. Every business has assets to protect, as well as risks and unexpected events to prepare for. This is why having the right insurance coverage is crucial. However, determining how much insurance is enough can be challenging. At Oliver Insurance, our Canby, OR, team is here to help clarify commercial insurance options and ensure business owners understand how much coverage they may need.

What is umbrella insurance?

Umbrella insurance is a type of secondary insurance that supplements your primary insurance policy. To obtain umbrella insurance, you must first have a primary insurance policy in place. Umbrella insurance is designed to provide additional coverage when your primary policy reaches its limit. If this happens, umbrella insurance covers the remaining expenses that exceed the limits of your primary policy.

I have a small online business. Would umbrella insurance benefit me?

Speaking with one of our agents at Oliver Insurance can help you determine whether your primary insurance policy provides sufficient coverage for your business expenses and potential risks. Even small business owners have assets to protect and face risks that could lead to financial loss. If you’re concerned about unexpected events that may exceed the limits of your primary insurance policy, umbrella insurance could be a valuable addition to your coverage.

At Oliver Insurance, we take pride in helping our Canby, OR, clients explore their options and find the coverage that best suits their needs. Contact us today to discuss your insurance needs and learn more about how umbrella insurance can benefit your business.

Should a Widowed Individual Get Life Insurance?

Posted on by agentinsure

In Canby, OR, as in many other communities, there are widowed individuals who may be considering whether a life insurance policy is beneficial for their future planning. Regardless of age, this decision can feel unnecessary to some. At Oliver Insurance, our agents are here to provide the information you need to make an informed decision about life insurance.

Life Insurance Benefits

Life is full of both expected and unexpected events that can impact your financial future. A life insurance policy offers a layer of financial protection to help you navigate these challenges. From covering outstanding debts and protecting dependents to supporting charitable donations and ensuring business continuity, life insurance can provide valuable benefits.

Outstanding Debts

If you have loans with a co-signer, such as a vehicle or mortgage loan, a life insurance policy can provide the funds needed to pay off these obligations, ensuring the co-signer is not held responsible for the remaining debt.

Dependent Protection

If you are financially responsible for a minor child, an older child requiring special care, senior parents, or other family members, the policy payout can help cover their expenses and provide financial security.

Donations and Inheritances

You can designate the payout from your life insurance policy as an inheritance for family and friends or donate all or part of the payout to your favorite charity.

Business Continuity

For widowed business owners, a life insurance policy can provide options to ensure the business remains operational and financially stable.

Contact Oliver Insurance

At Oliver Insurance, our goal is to help our Canby, OR, clients prepare for the unexpected and secure their financial future. Contact us today to learn more about how life insurance can benefit you.

If I Own a Home, Why Do I Need Home Insurance?

Posted on by agentinsure

Residents of Canby, OR, who own a home outright may wonder if homeowner’s insurance is truly necessary. Whether you’ve recently paid off your mortgage and feel there’s no need for coverage, or you’re buying a home and paying for it outright, deciding whether to maintain or purchase coverage is an important question. Our agents at Oliver Insurance are here to help you make an informed decision.

The Benefits of Having Home Insurance

Life is full of unexpected events, and when something happens to your home, you want to ensure your investment is protected. Homeowners insurance provides financial security and prevents you from facing out-of-pocket expenses during challenging times.

When you speak with one of our agents, we’ll explain why it’s recommended to have homeowners insurance, even if you own your property free and clear.

There are situations beyond your control, such as damage caused by weather-related events, floods, or fires. A policy can also cover damages from vandalism or theft of personal possessions. Additionally, homeowners insurance can help cover temporary living expenses, including housing and food, if your home becomes uninhabitable due to damage.

Home insurance also provides liability protection in case someone is injured on your property and files a claim against you. It can cover legal fees, medical bills, and other costs associated with a lawsuit. For pet owners, liability coverage extends to injuries caused by your pet, ensuring you’re protected in these situations.

Contact Oliver Insurance

By allowing our agents at Oliver Insurance to set up a home insurance policy for your Canby, OR residence, you’re taking a proactive step to secure this valuable asset and protect your financial future. Contact us today to learn more about your options.

Does Commercial Insurance Cover A Roof Upgrade?

Posted on by agentinsure

Most business owners obtain commercial insurance even if it’s not legally required because it offers protection for their assets. Commercial insurance can cover business closures and may provide compensation for inventory loss. But does it cover a roof upgrade?

Standard Upgrade

Many business owners in Canby, OR, consider upgrading to a new roof for reasons such as improved energy efficiency or enhanced aesthetics. However, most insurance companies do not cover upgrades like these. They typically won’t cover a new roof, siding, or parking lot improvements, even if these upgrades could potentially reduce future insurance claims.

Preventative Maintenance

It’s common to replace a roof when it starts to show signs of aging. Home and business owners often prefer to replace their old roof before it fails completely. However, insurance companies generally do not cover preventative maintenance, as this is considered the owner’s responsibility.

Other preventative measures, such as removing leaning trees or repairing parking lot cracks, also fall under the “normal wear and tear” or “preventative maintenance” categories. A professional at Oliver Insurance can help you better understand what is covered under your policy.

Necessary Roof Replacement

There are situations where insurance may cover the cost of a new roof. For example, if your roof is destroyed due to a covered peril, such as a tornado, your insurance policy may provide coverage for a replacement. Insurance companies typically offer coverage up to a certain limit, which can be used for repairs or replacements.

Depending on the extent of the damage and your coverage limit, you may even be able to upgrade your roof. An insurance specialist at Oliver Insurance can help you understand the specifics of your policy. Contact us today to learn more. We proudly serve the Canby, OR, area.

What EV car owners should know about insurance in Oregon

Posted on by agentinsure

In 2024, Oregon surpassed 100,000 electric vehicle registrations, marking a significant milestone in the state’s efforts to go green. As more drivers in Canby, OR, transition to cleaner cars, many may wonder how legal requirements, such as insurance, apply to electric vehicles. The team at Oliver Insurance is here to help you secure the right coverage for any vehicle you drive.

What Are the Requirements for Insuring an EV in Oregon?

Drivers of electric vehicles in Oregon must meet the same insurance requirements as those driving gas-powered vehicles. This includes coverage for property damage liability, bodily injury liability, personal injury protection, and uninsured motorist insurance. Additionally, comprehensive and collision insurance may be required if you lease or finance your electric vehicle.

Are Electric Vehicles More Expensive to Insure?

The cost of insuring an electric vehicle can vary based on several factors, including the model and its features. In general, EV insurance in Oregon may be slightly more expensive due to the higher purchase price of electric vehicles and the specialized parts and repairs they require. Labor costs may also increase if repairs need to be performed at specialized facilities by trained technicians.

Can I Save on EV Insurance?

There are ways to save on EV insurance. For example, you may be able to bundle your EV auto insurance with your home insurance policy for a discount. Additionally, some employers offer incentives or discounts for owning a green vehicle, so it’s worth checking if this applies to you.

Oliver Insurance is proud to serve the Canby, OR, driving community. Whether you drive a gas-powered or electric vehicle, it’s important to have the required and optional insurance coverage to protect yourself and others on the road. To learn more about your options, contact one of our agents today.

Welcoming Your New Puppy: Three Must-Haves

Posted on by agentinsure

Bringing home a new puppy is one of life’s most joyful moments—but it also comes with a learning curve. As you prepare for this exciting new chapter, having the right essentials in place is key. Here are three must-haves every new puppy parent should consider.

1. A Safe, Comfortable Space

Your puppy needs a secure area to rest, play, and feel at home. Crates and playpens are excellent tools for housetraining and creating boundaries, while a cozy dog bed provides comfort and a sense of safety. Baby gates can help keep your curious pup out of unsafe areas. Be sure to puppy-proof your home by removing choking hazards, securing cords, and storing chemicals out of reach.

2. Quality Food and Supplies

From day one, your puppy will need high-quality puppy food, clean water, and essential supplies like a collar, leash, ID tags, bowls, toys, and grooming tools. Consult your veterinarian about breed-specific dietary needs and feeding schedules. Interactive toys are also great for mental stimulation and easing separation anxiety.

3. Pet Insurance

Veterinary care for unexpected illnesses or injuries can quickly become expensive. Pet insurance helps offset these costs, giving you peace of mind and allowing you to make care decisions based on your puppy’s health—not your budget. Starting a policy early ensures coverage before any conditions become pre-existing, making it one of the smartest investments for your puppy’s future.

Contact Oliver Insurance in Canby, OR

At Oliver Insurance, we’re here to protect you and your family—including your new puppy. Contact us today to learn more about pet insurance and how we can help safeguard your furry friend.

Does Boat Insurance Cover Tornado Damage?

Posted on by agentinsure

While Oregon doesn’t experience tornadoes as frequently as some other states, they do occur occasionally. For instance, a tornado traveled approximately two miles and caused damage in Damascus, OR in June 2020. Twisters were also reported in 2022 and 2024. Boaters in Canby, OR can protect their vessels from tornado damage by securing the correct type of insurance coverage.

Tornado Coverage

Oregon boat owners need comprehensive boat insurance to safeguard against tornado-related losses. Basic liability or collision policies won’t cover this type of damage. Comprehensive insurance protects against severe weather events, including tornadoes, lightning, and high winds. This coverage is especially valuable for boat owners, and lenders often require borrowers to carry comprehensive policies.

Comprehensive insurance doesn’t just cover severe weather. It can also compensate you for losses due to vandalism, theft, or fire damage. Some policies may only cover the current value of damaged equipment, while others offer full replacement coverage. Keep in mind that boat insurance typically includes a deductible, regardless of whether a tornado or a collision damages your vessel.

Additional Coverage

Depending on your policy and insurer, certain types of tornado-related coverage may be included or optional. For example, boat insurance might cover wreckage removal if severe weather causes your vessel to sink. It may also provide coverage for fuel spill cleanup, though this is not always guaranteed. Additionally, coverage for personal belongings on a boat is often available as an optional add-on.

Oliver Insurance has over five decades of experience serving Oregon residents. Our agency is well-versed in the local area and actively supports local charities in Clackamas County. We can help you find a policy that truly protects your watercraft investment against extreme weather or accidents. To get started, visit the Oliver Insurance office in Canby, OR, or call us at 503-266-2715 today.

Which Motorcycles Won’t Motorcycle Insurance Cover?

Posted on by agentinsure

Getting insurance for your new motorcycle is one of the most important steps to take after purchasing it. Proper coverage ensures you’re protected financially in case of an accident and helps you stay compliant with legal requirements. However, not all motorcycles are automatically covered under standard policies. It’s essential to understand the nuances of motorcycle insurance and determine whether your specific bike is eligible for coverage. Here’s what you need to know about motorcycles that insurance might not cover, and how Oliver Insurance in Canby, OR can help you find the right policy.

Could Motorcycle Insurance Refuse to Cover My Motorcycle?

While most motorcycles are covered by standard motorcycle insurance, there are two scenarios where coverage might be denied:

  • Specialized Use: If your motorcycle is used for specific activities, such as stunt work or commercial purposes (e.g., delivering food), traditional motorcycle insurance providers may reject coverage. These activities are considered high-risk and fall outside the scope of personal-use policies.
  • Heavily Customized Bikes: Motorcycles with extensive customizations may be challenging to insure due to their increased value and unique features. Standard policies may not account for the added components, but you can customize your insurance with add-ons to ensure proper coverage.

In both cases, working with an experienced insurance provider can help you explore specialized policies or add-ons to meet your needs.

Get the Right Motorcycle Coverage With Oliver Insurance

At Oliver Insurance in Canby, OR, we’re dedicated to helping you find the right motorcycle coverage, whether it’s a traditional policy or one tailored to your specific needs. Start your insurance journey with us today to simplify the process. Compare quotes now and get the protection you deserve!

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