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Canby, OR 97013

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Welcoming Your New Puppy: Three Must-Haves

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.

Which Motorcycles Won’t Motorcycle Insurance Cover?

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!

Does Boat Insurance Cover Tornado Damage?

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.

Steps to Take When Considering Life Insurance

Planning for the future often includes ensuring financial security for your beneficiaries. One important step is considering life insurance. Even if your employer offers a life insurance policy, it’s a smart idea to have your own separate coverage. At Oliver Insurance in Canby, OR, our professional team is here to provide the information you need to make the right decision, both personally and financially.

Questions to Ask Our Agents

Several factors can help you determine whether life insurance is necessary for you. These include:

  • Do you have family or designated beneficiaries who depend on your income?
  • Do you want to avoid leaving significant debt that your dependents may be responsible for?
  • Do you want your end-of-life expenses covered without burdening your family or beneficiaries?

Next, you’ll need to determine the amount of coverage required to ensure your dependents have adequate income to sustain their living expenses after your passing. If you don’t have dependents, you may not need as much coverage.

Finally, consider the type of life insurance that best suits your needs. The two most common types are term life and whole life insurance. Other options include universal life insurance and policies that don’t require a medical exam. Additionally, you may want to explore life insurance riders, which can provide added benefits. Our agents will thoroughly explain the pros and cons of each type of coverage to help you make an informed decision.

Contact Oliver Insurance in Canby

At Oliver Insurance, we proudly serve the Canby, OR community by providing clients with detailed information to help them choose the right life insurance policy for their individual needs. Contact us today, and let our experienced insurance agents guide you in planning your financial future with confidence.

Why Building Contractors Need Umbrella Insurance

Contractors in the building trades in Canby, OR face a variety of risks during their operations. The nature of the building trades often involves dangerous situations, exposing business owners to significant liability risks. Even small businesses can face lawsuits if someone sustains injuries due to their operations. At Oliver Insurance, our agents can explain how an umbrella insurance policy can help protect your business in such circumstances.

Key Reasons to Consider Umbrella Insurance

While serious injuries to site visitors and others are a primary reason to obtain umbrella insurance, there are additional benefits to consider. For instance, clients—especially those with larger projects—may require contractors to carry higher levels of liability coverage than standard insurance provides. Securing umbrella insurance can help you meet these requirements and potentially secure more profitable contracts.

Umbrella insurance provides enhanced liability protection, enabling businesses to safeguard their assets, including machinery, equipment, and other valuable property. Most contractors already have liability coverage, but umbrella insurance extends this coverage by covering claims that exceed existing policy limits. This additional coverage can help contractors handle larger claims with ease. The larger your company, the greater the risk of lawsuits, making umbrella insurance a valuable investment.

How Umbrella Insurance Benefits Contractors

For peace of mind in your operations, consider purchasing an umbrella insurance policy. This coverage protects against various lawsuits, including those claiming wrongdoing, even if the claims are unproven. Legal proceedings can be costly and potentially devastating without proper protection.

To learn more about how umbrella insurance can safeguard companies in the construction trades, contact Oliver Insurance. We proudly serve residents and businesses in Canby, OR. Contact our office today to schedule an appointment and explore your options.

When Is An Injury Covered Under Workers Compensation Insurance?

Workers’ compensation insurance is a type of commercial insurance policy that helps cover the expenses involved when a worker is injured on the job. Because an accident or illness can lead to extensive medical treatment and loss of wages, this insurance is crucial for managing your company’s financial health and continued growth. At Oliver Insurance in Canby, OR, we help our clients acquire the coverage they need for their personal and business needs.

What Types of Injuries Are Covered By Workers’ Compensation?

Any injury or illness resulting from your employment is covered under workers’ compensation insurance. This includes falls or machinery accidents, injuries sustained in a work vehicle, repetitive strain injuries, exposure to hazardous substances, injuries that occur during company-sponsored events, or pre-existing health problems that may worsen as a result of your work. The insurance covers medical treatment for the injury or illness and lost wages that may occur because of the injury.

How Are Workers’ Compensation Claims Filed?

Filing a workers’ compensation claim involves a certain amount of special paperwork. The worker must report the injury to the employer as soon as possible. An approved medical professional and a treatment center must treat the injury. Detailed records concerning treatment must be provided. You must adhere to certain time limits when filing necessary paperwork.

Choose Oliver Insurance for Your Workers’ Compensation Insurance Needs

Your commercial insurance coverage is an essential part of your business financial planning. Our experienced agents can answer your questions and provide you with the coverage you need to keep your company growing. Contact Oliver Insurance in Canby, OR, for a no-obligation quote on your workers’ compensation insurance and other business insurance needs.

Does Pet Insurance Cover Preventative Care?

Pet insurance is a type of insurance that pet owners turn to when they need to get care for their pets. It is an excellent option for pet owners hoping to keep their pets healthy and reduce the number of big, costly vet bills they have to pay.

When you shop for an auto insurance policy, it’s important to find an agent who has your best interests in mind. This is why many people turn to Advantage Insurance Network, servicing Cincinnati, OH. Our agents are loyal to our customers and can shop around with many carriers to find a policy that makes sense for them.

What Is Pet Insurance?

Pet insurance is a type of insurance that pays for certain types of veterinary care. Pet insurance differs from health insurance because typical pet insurance policies require the pet owner to pay for the pet care up front and seek reimbursement for covered conditions. Pet insurance can help defray the cost of owning a pet and help you get the care required to receive treatment.

Does Pet Insurance Cover Preventive Care?

Typical pet insurance policies do not cover preventative care. However, pet insurance policies do vary. Some pet insurance companies can add wellness care to the policy. If it is important to you to have this added to your pet insurance policy, speak with your insurance agent. Your insurance agent can shop around to find the right type of pet insurance for your needs.

Who Needs Pet Insurance?

If you have a dog or cat that you love and would like to keep healthy, you may benefit from pet insurance. Oliver Insurance, servicing Canby, OR, can help you find a pet insurance policy that meets your needs. Call today to make an appointment.

Understanding Salvage and Wreck Removal Coverage

Owning a boat opens up endless opportunities for adventure on the water, but it also comes with responsibilities—especially when it comes to insurance. While many boat owners focus on covering damage or theft, one important aspect that sometimes gets overlooked is salvage and wreck removal coverage. At Oliver Insurance, serving the community around Canby, OR, we help boaters understand why this coverage is essential and how it protects them in unexpected situations.

Understanding Salvage and Wreck Removal Coverage

If your boat becomes stranded, sinks, or is severely damaged in an accident, recovering or removing it can be both complicated and expensive. Salvage coverage helps cover the costs of retrieving a vessel that is still repairable, whether it’s stuck on a sandbar or taking on water after an incident. Wreck removal coverage, on the other hand, applies when a boat is no longer salvageable and must be safely removed to prevent environmental hazards or navigational dangers.

The Importance of This Coverage

Without proper coverage, boat owners may be responsible for the full cost of salvage or wreck removal, which can quickly add up to thousands of dollars. In some cases, local authorities may even require immediate removal to prevent environmental damage, leaving boaters stuck with an unexpected financial burden. Having the right policy in place ensures that if the worst happens, you won’t be left paying out of pocket.

Protect Your Investment in the Water

Boating should be about enjoyment, not worrying about potential disasters. Ensuring you have the right coverage means you’re prepared for the unexpected.

At Oliver Insurance, serving the greater Canby, OR area, we can help you find the best boat insurance policy to keep you protected. Contact us today to review your options and secure the coverage you need.

Can I Just Add My Motorcycle to My Auto Policy?

Oregon is a haven for motorcycle enthusiasts, with miles of roads winding through beautiful forests and past stunning vistas. This is why many clients at Oliver Insurance, serving Canby, OR, own motorcycles. One of the most frequently asked questions is whether clients can add their motorcycle to their auto policy. However, it’s not that simple. Motorcycles require their own specialized insurance. For simplicity, you can bundle your motorcycle policy with your auto policy.

Why Do Motorcycles Need Separate Insurance?

Motorcycles are considered higher-risk vehicles due to their exposure to accidents and different liability considerations. Standard auto insurance policies do not cover motorcycles, so riders must purchase a separate motorcycle insurance policy. These policies typically include liability coverage, comprehensive and collision protection, and the option for add-ons like medical payments or uninsured/underinsured motorist coverage.

Bundling Auto and Motorcycle Insurance Can Help

Many insurers allow policyholders to bundle motorcycle and auto insurance, which can lead to discounts and streamlined policy management. Bundling may also make coordinating coverage limits and deductibles easier across multiple vehicles. However, bundling isn’t the same as adding a motorcycle to a car policy. It simply means both policies are purchased from the same provider at a discounted rate.

While a motorcycle cannot technically be added to a standard auto insurance policy, riders can purchase a separate motorcycle policy and potentially bundle it with their auto insurance for savings. Since motorcycles have unique risks, having the right insurance ensures proper financial protection in case of accidents, theft, or other damages. Checking with Oliver Insurance, serving Canby, OR, can help you find the best coverage options for your needs.

Can Anyone Purchase a Life Insurance Policy on Anyone Else?

Life insurance can be a valuable tool for financial planning, but it often raises some intriguing questions. One of the most common is: Can anyone purchase a life insurance policy on someone else? At Oliver Insurance, proudly providing life insurance to residents in and around the greater Canby, OR region, we frequently encounter this question. The answer is more nuanced than a simple yes or no.

The Concept of Insurable Interest

The critical factor in purchasing a life insurance policy for someone else is the concept of "insurable interest." This means you must have a legitimate reason to take out a policy on another person. For instance, spouses, business partners, or close family members typically qualify because their financial well-being is directly interconnected. Without insurable interest, you can’t just take out a life insurance policy on a stranger or someone with whom you don’t have a financial relationship.

The Importance of Consent

Even if you have an insurable interest, the person you’re insuring must give their consent. Life insurance isn’t something that can be kept a secret. The insured individual must sign the policy application and acknowledge their awareness of it. This ensures transparency and protects all parties involved.

The Reason for These Rules

These rules exist to prevent the misuse of life insurance policies. They ensure policies are taken out for the right reasons—providing financial protection, not for speculative or unethical purposes.

If you’re considering purchasing a life insurance policy for someone else, it’s important to understand these guidelines. At Oliver Insurance, serving residents around the Canby, OR area, we’re here to answer your questions and help you navigate your life insurance needs. Contact us today to get started!

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