Wildfire Impact & Important Information

For those of us in the Pacific Northwest, times have been challenging to say the least. In conjunction with our insurance carriers, our Oliver Insurance team is ready to support and help our clients recover during this time.

If you have not done so, setting up your online customer account will give you 24/7 access to your policies, coverage and more. If you are suddenly displaced, access to your insurance information online can help you immensely during a crisis. Follow the link to enroll in the Client Center Login portal. REGISTER HERE

FAQ’s


1. If I had to leave my residence, are temporary housing costs covered? YES, if you live in a level 3 evacuation zone only. You will be reimbursed for these costs, so always keep your receipts. (this includes renter’s policies, but coverage amounts may differ)
2. When should I file my claim? Due to the ongoing nature of the wildfires, most insurance carriers have requested clients wait until the situation has become less urgent to start their claim process.
3. I know my policy covers fire in my dwelling, does that also include “Wildfire”? YES, coverage applies in wildfire situations.
4. How long will the claims process take? We are advising our clients due to the sheer number of people impacted by the fires in Washington, Oregon, California, Idaho and Montana, that the process will likely take longer than normal.

Additional resources

U-Haul is Offering Free Storage for Evacuees of the Fires in Oregon and Washington Learn More HERE

Find A Shelter

Catastrophe Preparation Guidance

Air Quality Where You Live

Unfortunately, no words can erase the pain for those who have lost homes, property, pets and memories. Our hearts go out to you. We will be here for you as you look toward rebuilding. Please take care, stay safe as possible and do not hesitate to contact our office with questions.

Sincerely,

The Oliver Insurance Team

Covid19-Update 8.26.2020:

Our office has reopened to the public.

Masks, Face Shields, Face Coverings are required.

Everyone five (5) years of age and older is required to wear a mask, face shield or face covering at this location. If you do not have a mask, we have free disposable masks available for your convenience.

There are no exemptions, but individuals can request an accommodation to enable full & equal access to our services. Children between two (2) and five (5) years of age are strongly encouraged to wear a mask, face shield or face covering.

To request an accommodation, please contact our office at 503-266-2715.

Covid-19 Update 5.28.2020 – ReOpening Phases

As the re-opening phases unroll, we’d like to share some important information regarding our physical office at 101 N. Ivy Street.

First, I’d like to THANK YOU for your patience. New ways of doing business often provide both growth and challenges. I am extremely proud (and appreciative) of our top notch, professional team working hard every day making sure you get the service you deserve, even if it isn’t in person.

As of today, May 27th, our office will continue to be open via phone, web, and email. We are also going to roll out a virtual meeting option. In person appointments can be scheduled if needed. Our office will remain closed to walk in traffic. Although the option for walk in traffic is now a reality, we had already begun the process of a long awaited (and needed) building update. We had hoped to be further along in the process at the time of the county reopening but alas, COVID has delayed the construction/permitting process.

Here is what you need to know:

We are open 9 – 5 Monday through Friday via the following options:
Phone: 503-266-2715 Fax: 503-263-6968
General Email Support/Customer Service:
Personal Insurance: help@oliverins.net
Business Insurance: business@oliverins.net
Website: Create or Login to your account at
www.oliverinsurance.net
Virtual Appointments – Coming Soon! STAY TUNED!
-Utilize our drop box for payments or paper documents located at
101 N. Ivy St. in Canby
-For special circumstances, we will accommodate an in-person
appointment

Our goal is to open our doors to the public in July after remodel completion.

Upon opening, we will follow all current state and county requirements to keep you and our employees safe. We will provide regular communication regarding our office reopening.

I hope you and your family continue to stay health and safe. We look forward to continuing to serve your insurance needs.

Sincerely,

Ryan Oliver
President, Oliver Insurance

How Umbrella Insurance Protects You

When it comes to insurance, you need as much protection as you can get. Many people think that their existing insurance policies give them enough protection, but that is all too often not the case. If you need more liability coverage, contact us at Oliver Insurance in Canby, OR.

Your Home and Auto Policies

Umbrella insurance works along with your home and auto insurance policies. When you have these two policies in place, they each offer a set amount of liability insurance that has a set maximum. It is common for that maximum to be relatively low. When you have a low maximum on your liability coverage, it is likely that it won’t be enough to pay for a serious accident if one should happen. That’s why it’s becoming more and more popular to get umbrella insurance. It adds more liability coverage to those two policies so that you don’t have to go bankrupt after an accident. 

Better Protection

When there is an accident that happens in your home, on your grounds, or in your home, there may be medical bills that you are liable to pay. When you have an umbrella policy, your vehicle or home insurance will pay, but only as much as the policy’s maximum. After that, your umbrella insurance policy starts to pay. It will have a far higher maximum payout, so it will pay much more than your home or auto policy. That keeps you from having to come up with all of that overage by yourself. 

Get Umbrella Protection

If you don’t have adequate liability coverage, you are in a dangerous position should a serious accident occur. To be better protected, call us at Oliver Insurance in Canby, OR to get your umbrella insurance.

Life insurance options

Life is uncertain and unpredictable. As a Canby, OR resident, procuring a spectacular life insurance policy today is a wise move because it helps you be guaranteed that your family and your loved ones will always be safeguarded financially upon your unexpected demise. When you are shopping for salient life insurance, it’s vital to be aware of the available provisions because they vary from one state to another. Purchasing a life insurance policy in Canby, OR provides a sense of security and satisfaction, knowing that your beneficiaries will get assistance to meet their financial mandate when you are gone.

Being a Canby, OR resident, you can acquire life insurance that is instrumental in planning your beneficiaries’ future and fulfilling their promises upon your untimely demise. Do you want to get outstanding life insurance in Canby, OR to shield your family and loved ones against financial hardships after your death? Visit us today at our Oliver Insurance offices and get life insurance of your choice to meet your needs.

Types of life insurance policy options.

Term life insurance coverage: It lasts for a specified duration before its expiry. Upon your death, your beneficiary will get reimbursed the death benefits. The insurance company will pay the diseased beneficiaries promptly.

Whole life insurance coverage: It does not have a specified period of expiry because it can last as long as you can pay your premiums. It incorporates death benefits and a cash value, which is a solidified form of investment.

Universal life insurance coverage: It’s a permanent type of life insurance policy that encompasses a flexible premium payment structure and a guaranteed fixed return.

Variable universal life coverage: It’s similar to universal life insurance because it features flexibility in the premium payments.

Are you a resident of Canby, OR? Contact us or visit our Oliver Insurance offices for more information about life insurance.

Required Commercial Insurance in Oregon

When you own a business in Oregon, there are two types of insurance that most businesses must-have. In addition, there are many other types of insurance policies that many business owners get to have more coverage against everything from disasters to accidents to lawsuits. If you are in Canby, OR, call us at Oliver Insurance to learn more about commercial insurance. 

Workers’ Compensation

Universally known as workers’ comp, this type of insurance is required in Oregon for every employee of an Oregon business. Even if there are only part-time employees, each of them must be covered by workers’ compensation insurance. This coverage ensures that if there is an accident or an illness contracted at the workplace, the medical bills of the employee will be paid. Don’t risk going without this insurance for a moment. It can mean the difference between keeping your business going and 

Commercial Auto Coverage

This type of coverage is only required if the business owns a vehicle. Every vehicle owned by an Oregon business has to have a commercial auto insurance policy on it. There is a mandatory minimum amount of bodily injury liability coverage that you must have for one person injured in an accident and another, higher, the number required for everyone who is injured in an accident. This is a liability, however, so the driver is not included in this type of coverage. There is also a set minimum amount of coverage for property damage liability. In addition, each vehicle must have a set minimum amount for one person injured in an accident with an uninsured motorist and a higher amount for everyone who is injured in this type of accident. There is also an amount of personal injury protection coverage required, and this is what protects the driver. 

Get Your Commercial Insurance

If you own a business and are in Canby, OR, call us at Oliver Insurance to talk about your commercial insurance needs. 

Keeping your home safe in Canby, OR

No matter where you live, keeping your home safe is a priority for every homeowner. Canby, OR is a wonderful place to live with spectacular scenery, lots of parks and water activities and most people own their own homes. But, things happen in even the most beautiful locations. Having good home insurance and an independent agent you can trust is a must. Oliver Insurance has been bringing its personalized service to local residents for more than 20 years. 

Keeping your home safe takes many forms. Today it starts with having a state-of-the-art home security system. It can be one you install yourself or it can be one that is monitored by a service. Making your home a smart home allows you to check what is going on both inside and outside of your home with a simple app on your smartphone. Not everyone, however, is into high tech when it comes to home safety and there are simple things everyone can do to make your home safe. 

  • Lock your doors and windows.
  • Install a deadbolt.
  • Secure your slider with a metal rod.
  • Cut back any tall bushes close to your home.
  • Don’t broadcast any plans you have to be away.
  • Put up signs for a security system outside your home even if you don’t have one. 

Install smoke detectors on every level and make sure you have a schedule for replacing the batteries if they are not hardwired. Even if they are hard-wired, batteries are the backup so need to be changed twice a year. If you are burning any type of fuel, a carbon monoxide detector is a necessity. If all your power is electric and you don’t have a fireplace, then it isn’t necessary to have one. 

When you are ready to discuss home insurance give Oliver Insurance in Canby, OR a call to discuss your needs.

Essential Tips for Auto Insurance

Most motorists understand that purchasing auto insurance is a necessity. However, how much to purchase and what type may sometimes be a little difficult to navigate. Certain tips may help drivers determine what they need, in terms of auto insurance, as well as what they don’t need. Other essential tips include additional factors that may or may not affect what you pay for auto insurance as well as what is covered by different types of auto insurance. 

Consider Your Unique Situation
When it comes to determining how much and what type of auto insurance you need, your own unique situation should always take precedence over everything else. Of course, you will have state minimum requirements that you must meet regardless, but there will be other things to consider beyond the legal requirements to drive. Consider the cost of your insurance and its affordability. This is extremely important when it comes to determining the right deductible for your financial situation. You should also report changes in your driving that include reduced mileage. This could lower your insurance rates as well. Plus, it’s another specific detail about your driving history that should be reflected in your auto insurance coverage. 

Understand the Difference Between Collision and Comprehensive coverage
The Canby, OR team of Oliver Insurance understands that this may be confusing to many motorists. Collision insurance is associated with car accidents that involve a collision. This is the easiest way to understand this type of coverage. However, hitting a deer in the middle of the road wouldn’t necessarily fall under collision coverage. This is where a comprehensive insurance policy would come into play. Following the same thought, if you turn to avoid hitting a dear and collide with another car, collision coverage would include this accident. Conversely, comprehensive insurance would cover losses and accidents that don’t necessarily result from driving a car. This includes losses that come from theft, severe weather conditions like hail, storms, and fallen trees. Hitting a deer would also fall under comprehensive insurance coverage. Typical circumstances that are covered by comprehensive insurance include fire, wind, hail, flood, theft, vandalism, falling objects, and hitting an animal. If you have questions regarding the best auto insurance policy for you you and your situation, give us a call. We’re happy to help guide your decision-making process and answer all of your questions. 

What auto insurance must Oregon residents carry

Owning a vehicle and having a driver’s license comes with some responsibilities. One of them is to maintain the state-mandated auto insurance on your vehicle. It is your responsibility to know what those mandates are before taking a vehicle out onto the road. At Oliver Insurance in Canby, OR our experienced team has been serving the area since 1972. Our goal is to make sure you are in compliance with the law and have the perfect coverage for your needs. 

In Oregon, it is not legal to drive a vehicle without auto insurance. You can’t register a vehicle without it. Every driver must cover their vehicle with at least $25,000 in liability for each person in a crash and $50,000 for the total accident. Additionally, there must be $20,000 for property damage. Drivers must also have $15,000 PIP (personal injury protection) and insured motorist at the same minimum and maximum as the bodily injury.

The state of Oregon takes not having the required auto insurance very seriously. Depending on the circumstances that bring your lack of insurance to the attention of the authorities, you could be fined anywhere from the minimum of $130 to more than $5000. 

If you live in Oregon and have an auto loan or a lease, you will have additional requirements. You must protect the vehicle you’re driving in the event it gets damaged. This requires you to carry collision and comprehensive coverage. Even if you don’t have a loan or lease, if your vehicle is worth more than a couple of thousand dollars, it is probably a good idea to maintain comprehensive and collision coverage. Living without a vehicle would be a hardship for most people and having the ready money to replace or repair your vehicle may also be difficult.  

Contact Oliver Insurance in Canby, OR for your auto insurance needs. 

Is Pet Insurance Required in Canby, OR?

If you live in Canby, OR, and want to know more about pet insurance in your area, you might want to talk to an insurance agency, such as Oliver Insurance.

Pet insurance is not required. However, it is really important that any pet owner considers pet insurance. Many people believe that they are going to have enough money to cover veterinary costs should they come up. However, the truth is that these can be much more expensive than most people realize, especially if your pet ends up having a chronic condition or severe illness. The last thing you want is to have to worry about money when you should be focusing primarily on your pet’s health.

If you have the right pet insurance, you will be able to visit any specialist, general veterinarian, or emergency veterinarian. In many cases, you aren’t going to be limited to just the state of Oregon. You will be able to visit any licensed veterinarian in the United States or even in other countries. If your dog or cat ends up becoming injured or ill while you are on vacation somewhere else, it is likely that your pet insurance policy will cover the expenses associated with this.

It is very important to protect your cat or dogs. Veterinary fees are on the rise, and you want to be sure that you are able to provide your animal with the care he or she may need in the event of an unexpected ailment. The last thing you want is to have to sacrifice your pet’s health because you don’t have the money to pay for his or her care.

If you reside in Canby, OR and are interested in learning more about pet insurance, you should feel free to contact the professionals at Oliver Insurance. The individuals here will be able to answer questions that you have about pet insurance and direct you towards a policy that might be right for you and your pet.

Should I get a motorcycle insurance plan in Oregon?

Those that live in the Canby, OR area will likely love the weather, which includes having many nice sunny days where you can enjoy the great outdoors. Those that do live in this state may find that driving a motorcycle can be an efficient and fun mode of transportation. If you do get a motorcycle here, you also need to consider your insurance needs. There are several reasons why you should get an insurance plan for this here. 

Insurance is a Legal Requirement

One reason that you should get a motorcycle insurance plan is so you can stay in compliance with your legal obligations. In Oregon, anyone that operates a motorcycle needs to have at least a motorcycle insurance plan that has liability protection. With this coverage, you will know that you have support in the event that you cause an accident and have to cover the damages.

Insurance Protects Asset

Another reason that people will want to have a motorcycle insurance plan is that it can protect their assets. If you are going to purchase a motorcycle here, you will want to know that you have the financial resources to repair or replace it. If you get a policy with collision and comprehensive coverage, it will include this additional coverage you need to ensure your asset is covered as well as possible.

Anyone that decides to buy a motorcycle in the Canby, OR area will need to get a motorcycle insurance plan. When you are looking for this coverage here, it would be a good idea for you to call Oliver Insurance. The team with Oliver Insurance understands how important this coverage is. They can provide you with the support that is needed to build a policy that gives you and your motorcycle the coverage that you need. 

3 Things You Probably Didn’t Know About Boat Insurance

The warm weather calls for some good time in the water. As the temperature creeps upwards, a boat becomes a sudden necessity, particularly for water enthusiasts in Canby, OR. To promote safety for you and your family, you need to get proper boat insurance. If you have or intend to buy boat insurance soon, here are three things you probably don’t know about boat insurance.

Homeowner’s insurance provides very little coverage that could be unreliable

Small boats– with very small or no engine at all can be covered under home insurance. However, it is essential to understand that the coverage is not close to what you would receive when you purchase a separate policy. The coverage is limited to a specific amount depending on the insurer. In case of serious damage, your home insurance may not be adequate to cover all the costs. At Oliver Insurance, we recommend buying boat insurance whether you own a small or big boat.

Sometimes, boat insurance is mandatory

The state of Oregon does not require you to have boat insurance. However, the government recommends having enough coverage to protect your finances in case of engine problems, collision, and other boat issues. There are certain cases where boat insurance may be mandatory. For instance, marinas may require you to have insurance before docking your boat. Additionally, if you are buying a boat through a loan, your lender may require you to purchase boat insurance to protect their investment.

Personal belongings coverage is quite limited

When it comes to buying boat insurance in Canby, OR, you need to think about your valuables seriously. Most boat insurance policies provide very little coverage to your personal belongings. For this reason, you may want to increase coverage if you take most of your valuables to the boat with you.

Boat insurance is essential coverage that protects you and your loved ones every time you are in the water, so don’t buy blindly. Consult Oliver Insurance, and our trusted insurance experts will help you find coverage that works for you.

3 things you didn’t know about umbrella insurance

3 Things You Didn’t Know About Umbrella Insurance

Umbrella insurance offers an extra layer of liability protection to your home, automobiles, and business. The policy provides you with peace of mind in case of damages or lawsuits.  Many Canby, OR residents assume that umbrella insurance is more beneficial to some people than others. However, the truth is there is a lot that people don’t know about this policy. Here are three things you probably didn’t know about umbrella insurance.

Dog Owners Can Only Benefit If the Breed in Question is Covered.

Some dog breeds are not covered under umbrella insurance. If you are buying insurance for the first time, enquire about the breeds covered to ensure you are not locked out of coverage. Our insurance agents at Oliver insurance can take you through the process and inform you what your policy covers and what it does not. With dog-related injuries and bites getting common every day, you may want to ensure that umbrella insurance has your back when home insurance is not enough to cover medical bills or lawsuits.

Some Risk Factors Affect Your Coverage

Many people purchase umbrella insurance due to attractive liability coverage. Umbrella insurance generally covers most aspects of liability, including slander and libel regardless of where it happened. We all know how expensive lawsuits can get, but some people are more prone to getting slapped with lawsuits than others. For instance, if you own businesses, are a pet owner, have several teenagers at home or have a gym, swimming pool or trampoline at home, you should buy enough umbrella insurance to protect you from potential lawsuits.

Not All Lawsuits Are Covered

Well, this shouldn’t scare you if the accidents that led to the lawsuit weren’t intentional. Note that umbrella insurance covers almost all aspects of lawsuits but not criminal activities or deliberate acts of harm. These may include discrimination, sexual harassment, property damage, and bodily harm. Umbrella insurance is only designed to protect against accidents, even if you are at fault but not acts of malice.

Are you looking to buy umbrella insurance in Canby, OR? Contact Oliver Insurance for unmatched services and quotes.