Is it in your best interest to sign up for an umbrella insurance policy? There are some considerations to keep in mind. Before you do so, you’ll want to talk to an agent at a reputable insurance firm like Oliver Insurance of the greater Canby, OR area.

Advantages of an Umbrella Policy

First of all, it’s crucial you know the meaning of "umbrella policy". Umbrella insurance is meant to protect you upon getting sued for an incident that has injured someone else, whether that means in your home, car, or otherwise as a result of something you’ve done. If someone is at a party at your house and falls on your stairs, they might request you pay their medical bills. This type of policy will ensure that they will be compensated for their pain and suffering.

Umbrella insurance is a secondary policy after your homeowners, renters, or auto insurance policy. If you have a case against you and lose, it can pay for your legal expenses, including your lawyer’s fees. The umbrella policy only will kick in if absolutely necessary.

Who Should Get an Umbrella Policy

It really doesn’t make much sense for you to get umbrella insurance coverage if you don’t own a home, vehicle, or have any dangerous equipment on your property on which a guest could become injured. If you have a dog or another pet that could injure someone, it’s probably a good idea to sign up for it. Though most people should at least consider an umbrella policy, you would do well to get a professional opinion from Oliver Insurance as soon as possible. An agent can assess your unique situation and see how much coverage would be right for your needs.

Being properly covered by insurance is extremely important. For those that are in the Canby, OR area, this can include making sure that you have home, auto, and medical insurance. Another type of insurance that you need to consider getting is life insurance. In many situations, life insurance can be the best investment that you could make for yourself and your loved ones.

Protects Your Loved Ones

The main reason why life insurance is such a valuable investment is that it will protect your loved ones. A life insurance policy can provide you with a lot of comfort and peace of mind knowing that your loved ones will have access to some financial protection if you were to unexpectedly pass away. This can make it a great investment as your family will not have to worry as much about while they are recovering. 

Financial Investment

While providing financial protection to your loved ones is very important, life insurance is also able to be a conservative long-term investment option. If you get a whole life insurance policy, you will find that your premiums will be invested in an account that will grow and accumulate in cash value. This is a very low-risk investment that also provides life insurance, which makes it a great option for some investment strategies. 

As you are shopping for a life insurance policy in the Canby, OR area, you should contact Oliver Insurance to learn more. The insurance professionals at Oliver Insurance know all of the benefits that come with life insurance and the options that you have. The team will be able to help you choose a life insurance policy that properly covers you and your loved ones, which will give you great comfort and peace of mind. 

Owning a business can bring about a strong feeling of accomplishment, and it is important to protect all of your hard work. Business owners in the greater Canby, OR area have come to rely on Oliver Insurance for their commercial insurance needs. The team at Oliver Insurance prides itself on providing the guidance that local businesses need to make sure they have an appropriate insurance policy in place.

Protect your bottom line with commercial insurance

If there is an accident or mishap that occurs at your place of business, you can be held responsible and liable for any damages. Such damages can have a negative effect on the bottom line that can be devastating. When you have an appropriate commercial insurance policy in place, you are able to protect all of your hard work from slipping away. Comprehensive commercial insurance provides the coverage that you need to offset any liability that may occur due to an accident. If an employee, vendor, or customer is injured on your property, the results can be devastating. You may be found liable for everything from medical bills to pay for emotional distress. When you have the right policy in place, your business will be protected and you will be able to limit the negative effect that such an event has on your bottom line.  Don’t let an unforeseen incident cause your business to suffer, make sure that your current commercial insurance policy is comprehensive and offers ample protection for such negative instances. 

Is it time to upgrade your commercial insurance policy? Call or stop by Oliver Insurance today, and we will work with you to make sure that your Canby, OR area business has the protection it needs!

Pet insurance can help pay for the veterinary care needed for accidents and serious illnesses. Some plans may also cover all or part of the cost of routine checkups.

The cost of veterinary service continues to rise. Routine health check for dogs and cats are around $200. Treatment for a minor illness can run up to $500 or more. Injuries, requiring surgery, may cost many thousands. Cancer treatment can cost tens of thousands.

It is a horrible choice to have to make a decision between your beloved pet’s life and being able to afford the cost of the treatment. The peace of mind achieved by having pet insurance to cover some of these expenses is worth it for most people who love their pets.

Here are some considerations when thinking about pet insurance:

Insure Pets When Young

No pet insurance company will cover any previous conditions. If you wait until your pet is ill and then try to get pet insurance, you will not be able to get coverage. Also, the monthly cost when your pet is young is usually very modest.

Not All Pet Insurance is the Same

Pet insurance comes in many varieties. Some plans are designed only to cover catastrophic expenses and do not cover routine checkups. They may have a high deductible as well. Other plans have higher insurance premiums, yet provide more care. Work with your agent at Oliver Insurance, serving Canby OR and the surrounding area, to discuss the details of the different plans and find a plan that is most suitable for your needs.

Ask Your Vet

Ask your veterinary doctor about any known weaknesses in your pet’s breed to help make a guess about the likelihood of your pet needing expensive care.

Review the Policy Carefully

Go over the policy details carefully with your agent and look for language about exclusions that describes what is not covered.

Conclusion

Many find having pet insurance is very useful because of the high cost of veterinary care. Having this protection provides comfort when your beloved pet is ill. This may help reduce the financial strain of paying for the proper care it needs. Contact your agent at Oliver Insurance in Canby, OR to get a quote on pet insurance by calling 503-266-2715.

Owning a motorcycle is a great way to explore the area around Canby, OR and enjoy this beautiful area of the country. If you are an experienced motorcyclist or are just getting started with your first bike, you may be wondering which type of motorcycle insurance is right for you. Oliver Insurance is here to provide the guidance you need to make an informed decision and understand the many different motorcycle policy options that are available.

Consider Your Options

Basic motorcycle insurance will help to protect you if there is damage to your bike or if it is stolen. With a more comprehensive policy, you can have protection in the event of an accident or mishap that causes damage to another vehicle or person’s property. In addition, there is also available coverage that can protect you if you are involved in an accident that causes injury to yourself, your passenger, or a third party. When you have a basic policy you will be covered should you need to repair or replace your bike, but you could be personally responsible for liability cases against you in the event of an accident. Don’t be caught with insufficient coverage that can have a serious impact on your personal finances. With a comprehensive policy, you can be protected in the event of a collision, a liability situation, or theft or damage to your motorcycle. Now is the perfect time to review your coverage and make sure that it is sufficient.

Interested in learning more about how a comprehensive motorcycle policy can help protect you and your passengers? If you are in the greater Canby, OR area, contact the team at Oliver Insurance today and learn more about the many options that are available to Oregon motorcycle owners.

In the event of a torrential rainstorm, or some other tragic event involving water, homeowners insurance won’t cover much of the damage.  It may cover some of the rain damage. However, it won’t cover any damage that would result from flooding. You’ll need a separate policy for that. Even if you don’t live in a flood zone and your area has never experienced flooding, investing in flood insurance will definitely add that extra layer of protection for your home and belongings.

The National Flood Insurance Program (NFIP)

Most flood insurance is purchased from the NFIP. This is a federally regulated program with two policies to choose from.  One policy covers your home, the other covers personal property. Under some circumstances, this type of insurance is a requirement rather than an option. If you live in a flood zone or high-risk area and have a mortgage, you may be required to carry this type of insurance. If you don’t live in a flood zone but still want to buy flood insurance you will need to make sure that you live in a community that participates in the national flood program. Oliver Insurance serves Canby, OR and is proud to help customers understand flood insurance and invest in a policy that will protect their home in the event of a flood.

Your Home

Flood insurance covers damage to the structure of your home as well as the permanent internal structures. It can also cover items that you’ve installed in your home as well. Flood insurance will comprehensively cover:

• Your home’s foundation
• Electrical and plumbing systems
• HVAC equipment
• Kitchen appliances
• Carpeting 
• Trash removal
• Blinds
• Wallboard ( paneling, bookcases, and cabinets)
• Garages 

Personal Belongings

Flood insurance can also place your personal belongings. Your furniture, electronic equipment, and clothing all fall into this category.  Believe it or not, flood insurance will also replace any food that was lost as well. In addition, it may cover art and furs as well. However, it should be noted that flood insurance will compensate you for personal belongings based on their actual value, not what you paid for them. 

What’s NOT Covered

Unfortunately, flood insurance won’t cover everything. For example, it won’t cover anything that belongs in the bank or in a safety deposit box like cash and jewelry. However, it may cover basements but the coverage is limited. Under most circumstances, cars, septic systems, decks, patios, and a loss of income. However, there are other items that may not be covered as well. It’s best to discuss what’s not covered before deciding on the type of flood insurance you need. 

Flood insurance can be quite beneficial, particularly if you live in an area prone to flooding. However, it’s a good idea to be fully informed before you decide on the type of flood insurance that you want to purchase. Although you should become familiar with what’s covered, you also need to know what’s not covered. It’s important to choose a policy that will be best suited for your situation.  

 

 

With all the beautiful river and coastal space that the Canby OR area has, Canby, OR also has a lot of people that own boats. Sometimes as a necessity to get to other destinations easily, sometimes as a business, but what we see most is that it is a hobby. Oliver Insurance provides all types of insurance, including homeowner’s insurance. Many times, our customers feel this is adequate to meet their needs, but there are some cases when you may want to look into a boat insurance policy. 

What Does Your Homeowner’s Insurance Actually Cover on Your Boat?

Homeowner policies have restrictions regarding what kind of boat is covered. Be prepared for restrictions on size, horsepower, and repair to damages. The chances are good that a simple homeowner’s policy will not cover you if you take your boat somewhere aside from parked in your garage or driveway. Once your boat is in turbulent seas, something is damaged, a guest is hurt, seas get high and you need a tow, you are dealing with something else entirely and will need boat owner’s insurance. 

Why Do I Need Boat Insurance in Canby, OR Area?

While Oregon does not require you to have boat owners insurance, they certainly recommend it along with the Coast Guard. Every time that you untie your craft, you are at the hands of Mother Nature and anything could happen at a moment’s notice. Having protection from anything financial that may happen out at sea is a peace of mind that you’ll need. 

There are a few things that you will want to go over to see if your carrier’s policy covers.

• What is Your Personal Liability?
• What part of the boat are insured? Are there any regulations regarding horsepower and motors?
• What if your trailer sustains damage?
• Are medical damages recovered?
• Is towing and salvage a part of your insurance plan?

Why You Should Call Oliver Insurance in the Canby OR Area

When we start your boat owner’s policy, our goal will be to keep it affordable. We all know that affordable product and cheap insurance aren’t the same thing. We will carefully go over what your policy covers. Not every policy is one-size-fits-all.  Give Oliver Insurance a call if you have any questions!

 

For some people, their reputation is at the heart of their lifestyle. Maybe they own a business and need their customers to trust them, or maybe they’re a public figure who is constantly scrutinized on a daily basis. Umbrella insurance was designed to help people get the liability protection they need to fend off unfair or biased claims. Oliver insurance wants you to have all the facts if you think you may need this special form of insurance in Canby, OR. 

Extra Protection 

Your insurance likely already covers liability claims. if you’re accused of any wrongdoing, you’ll get the legal advice and assistance you need to either settle a claim or fight it in court. But claims can become messy quickly, and they can take on a life of their own. If your name is being dragged through the mud, you may need to wage a campaign to restore your reputation. Umbrella insurance extends the limits you have on your current insurance policy, so you have the resources you need to set the facts straight. 

Finding Help 

Oliver insurance understands the real value of umbrella insurance. Few people have the luxury of giving up their livelihoods if their reputation takes a hit. We can help you learn more about what means to have umbrella insurance and how it can be an invaluable safeguard for your career. if you have any questions, call us today to find out more about our policies. Our staff serves the people of Canby, OR who depend on their reputations every day. We’re here to make sure you get all the coverage you need when you need it the most. 

Life insurance is something many don’t want to think about, which is understandable because it means something tragic has happened.  Unfortunately, it is something that is best planned out to manage your affairs and take care of the people you love.  If you haven’t given life insurance much thought or if you’re contemplating a life insurance policy and live in the Canby, OR area, you may want to consider contacting an agent from Oliver Insurance to help navigate the world of life insurance policies.

Why Life Insurance is Important

• Final expenses can quickly run into tens of thousands of dollars, and no one wants their loved ones left with the financial burden when dealing with a death.
• If your children aren’t grown, they will need financial support to help them as they become adults.
• Your monthly income will need to be replaced for the household.
• Paying off debts is crucial because you don’t want your loved ones to need to sell off assets, such as their home.
• Funds to pay estate taxes have become more necessary as these taxes can be expensive, and again, it can put your family’s assets in jeopardy without the funds to pay them.
• If you own a business and have one or more partners, it can cause the business assets to be jeopardized along with your personal assets.

Oliver Insurance has been providing insurance needs in the Canby, OR area since 1972.  We have a proven record for helping people find the right insurance at the right price.  Contact an expert Oliver agent today to help you determine your financial needs to protect your assets and loved ones.  Buying life insurance can be complicated and muddled, but you’re not alone!  We can make the process much easier for you!

It’s great working in Canby, OR, and Oliver Insurance gets to see the benefits small business owners have. Even in places so relatively safe and well protected, accidents can happen, and it’s important to have all the required protection. 

Do People Work for You? 

That is the simplest question to ask when trying to decide whether or not you need workman’s compensation insurance. When people work for you, you assume some responsibility for them while they are helping you out. 

If someone gets hurt while on your work floor or while driving in a work vehicle, it makes sense that you would be responsible for those injuries, as long as the actions of the employee were within the scope of employment. There are obvious exceptions for individuals who have used work time to commit crimes. 

Workman’s comp actually protects both employees and employers, because it makes sure employees can get the help they need when they’re hurt while limiting the civil actions employees can take against the business. 

Employees Vs Independent Contractors 

Oregon does not require employers to provide insurance for independent contractors, and it is important to know the difference. Independent contractors must meet three basic criteria :

• They provide a service under a contract where others are not allowed to direct the work;
• They are responsible for providing the work and even providing the means — for instance, they will have their own tools; 
• And they are free from the direction and control of others while actually accomplishing the work.

 If you have a small business in Canby, OR and have any questions about your small business coverage, or would like to discuss a policy, please call Oliver Insurance today and we can set you up with a free quote.