Do I need motorcycle insurance in Canby?

For people that are in the Canby, OR area, a great way to spend a nice afternoon is to be out on the open road on their very own motorcycle. The good weather during the year can make this a great mode of transportation for anyone. If you are going to get a motorcycle, it is important to make sure that you have a good insurance policy in place. There are several reasons why someone in Canby needs to have motorcycle insurance at all times.

Required by Law

The first reason to get motorcycle insurance in Canby is that it is actually required by law. Similar to when you are operating a car, you are going to need to have motorcycle insurance in order to stay in compliance with the state’s minimum insurance requirements. The state will require that you carry liability insurance at all times.

Lender Requirements

Many people end up taking out a loan when they buy a motorcycle. If you took out a loan, you are going to need to have motorcycle insurance at all times. The lender will want to make sure that their collateral is as well protected as possible. To do this, they will require that you carry motorcycle insurance with collision and comprehensive coverage. 

There are clearly many reasons why it is a good idea to get motorcycle insurance in the Canby, OR area. When you are shopping for your next policy, you should speak to the team at Oliver Insurance. There are a lot of important decisions that need to be made when you are getting insurance for your motorcycle. To ensure that you make the right choice, Oliver Insurance will review your personal situation and help you to build a plan that is right for you. 

Preparing Your Boat for Spring

Spring is right around the corner, which means it’s time to start preparing your boat for the water. Even though you took all the proper steps to prepare your boat for winter storage in Canby, OR, there are still some preparations you’ll need to do before hitting the water. To help ensure your boat is safe and ready for the water, Oliver Insurance has gathered a few tips to prepare your boat for spring.

Check the Fluids

Winterizing your boat meant making sure the oil was full and the oil filter was clean, but unfortunately even while in storage, it’s possible for water, dirt or debris to get into the oil. If you notice a creamy consistency in the oil, it typically indicates water. Make sure to drain the oil and replace it with new, clean oil. This is also the ideal time to check and fill all other fluids, including the gas.

Inspect for Damages

There are a number of things that can cause damages to the boat while it’s in storage. For instance, rodents often find their way into storage units and cause damage to life jackets, upholstery, and wiring. Carefully inspect all areas of the boat, including the electrical wiring and safety gear, such as life jackets, to ensure there are no rips or tears and replace all damaged items before putting the boat in the water.

Wash the Boat

Not only do you want your boat to look its best while on the water, but dirt and dust can also find its way into the motor, so it’s important to thoroughly wash the boat (inside and out). Make sure to apply conditioner to the upholstery to prevent the risk of drying from the sun. If necessary, take the boat to the local marina to have the engine steam cleaned.

One of the most important things to do when preparing your boat for spring is to make sure your insurance policies are up-to-date. Remember to make a copy of the policies to keep on hand in the boat. If you have made any changes to your boat or have replaced your old boat with a new one, don’t forget to let your insurance provider know about the changes.

Residents of Canby, OR interested in learning more information about boat insurance or upgrading their policy should contact Oliver Insurance.

Does Umbrella Insurance Only Cover Liability?

The short answer to whether umbrella insurance only covers liability is, essentially, yes. This policy gives people the means to fight or settle complicated claims that quickly exceed the liability limits of the standard policy. If you live in Canby, OR, Oliver Insurance wants you to have all the facts before deciding if buying umbrella insurance is the right move for you. 

How Liability Works 

Standard insurance policies will cover liability. So in case you make a mistake on the road or you neglect to wipe up a spill at home, you’re not left with the resulting bills to be paid out-of-pocket. But if you look closely at the fine print, you’ll see that your liability coverage does not extend indefinitely. And if you only have $25,000 for bodily injury, it’s not hard to see how this can run out pretty quickly. 

Commercial Benefits 

Umbrella insurance is usually associated with its commercial benefits because most people will only sue a person or entity with enough assets. So a CEO who’s constantly making deals and breaking hearts may take out an umbrella policy to ensure they’re covered in case they need to fight a claim or settle it outside of court. But the reality is that individuals may be more at risk than they think. Just one incident can result in disastrous implications if the policyholder doesn’t have enough coverage. 

Contact Oliver Insurance 

Our staff is here to serve the people of Canby, OR, so they have all the protection they need. Just one lawsuit can end up lasting for months with expenses mounting with every passing day. If you want to learn more about the types of umbrella insurance and who they’re meant to cover, we can help you understand your options. 

Your LIfe Insurance Agent is a Valuable Resource

For people who live in Canby, OR and the surrounding area, having good insurance is very important. At Oliver insurance, you can get the right life insurance policy for your needs. One of the most important things to consider when you do that is to work with your life insurance agent. They can be a great resource for you to get the policy that’s going to be perfect for you. With the right policy, you won’t have to worry about protecting your family and loved ones if something should happen to you in the future.

Talk to Your Agent Frequently

Just like you should with your other insurance policies, you should talk to your agent regarding your life insurance. That way you can make sure you get the right option for your needs. Policy requirements and benefits can differ, and you’ll need to be aware of that. Also, keep in mind that life insurance needs change from time to time. If you have a change in your circumstances, you’ll need to make sure you work with your agent on any policy adjustments. That way you’ll be covered, and you can have plenty of peace of mind.

Reach Out to Get the Policy You Need

By talking to Oliver Insurance in Canby, OR, you can get the kind of life insurance policy you need to protect your family for the long term. No matter your age and income level, the protection of the people you care about should be one of the most important things to consider. That way you don’t have to worry about what will happen to them if something happens to you. Get in touch with us today, and let our agents help you find the life insurance policy that will protect the people you love.

3 Ways to Protect Your Inventory From Loss

Running a retail business can be overwhelming when you consider how many ways financial loss can affect your business. In Canby, OR, the agents at Oliver Insurance are available to provide you with tips on how to keep your company’s inventory safe and secure. Your inventory is the lifeblood of your business. It’s important that you understand how to protect it.

Install Security Cameras

Install security cameras throughout your store as well as your stockroom. This will allow you to keep tabs on your inventory whether your business is opened or closed. Security cameras will give you "eyes on" your business so that you can identify potential threats and notify the authorities if the need arises.

Inventory Your Stock 

Keep an accurate inventory. If your business is small enough, you can take inventory ever six months. Larger businesses sometimes do an annual inventory and use POS technology to keep track of when items are sold. Keeping an up-to-date inventory is the best way to keep track of your sales, as well as your profit.

Have the Right Insurance in Place

Financial loss may still occur no matter how hard you try to protect it. Having the right type of insurance in place will help you recover from a devastating financial loss if your inventory is damaged, destroyed, or stolen. 

Business owners in Canby, OR can schedule a consultation with the agents of Oliver Insurance. By reviewing their existing policy and discussing what options are available, you can get the policy you need to protect your inventory and keep your business financially secure. Don’t put your business at risk! Call and talk to an agent today!

 

Protect Your Pet and Your Wallet with Pet Insurance

Pets are a part of our families, and no one understands that more than the team at Oliver Insurance! We know how important these furry friends are and that’s why we are proud to offer pet insurance to the greater Canby, OR community. Owning a pet brings a lot of joy and love into your life, but it is also a lot of responsibility. When you have pet insurance you can rest assured that the financial impact of a covered pet accident or illness will be minimized. Find out more about how pet insurance can help your entire family, including the four-legged members!

Benefits of Having Pet Insurance

Regular veterinarian care can be expensive enough, but when you add an illness, accident, or medical condition to your pet’s care the cost can become exorbitant. Treating a pet for a serious ailment can become quite expensive and stressful. Why not enjoy the peace of mind that comes with knowing that your pet’s care will be protected with a pet insurance policy? In addition to a number of routine procedures, a pet policy can cover major accidents and illnesses.  While some conditions may not be covered, it makes sense to have the protection that can help the decision to pursue care for your pet a lot easier. Seeing your pet suffer is difficult enough, there’s no reason to add financial stress to the situation as well! Our team is here to review all the available options for your pet protection.

If you are a pet owner in the greater Canby, OR area, the team at Oliver Insurance is here help you find the pet policy that is right for your needs. Contact us today and let’s talk about your options for comprehensive pet coverage!

Prepping Your Motorcycle For Cold Weather

The crunchy leaves are falling, football pre-season is here… fall is just around the corner, and it’s time to get your motorcycle prepped for the cold months ahead. While it’s unlikely you’ll be riding your motorcycle through the winter, it’s important that you take some maintenance steps to get your bike prepped for winter storage. Follow these tips to keep your motorcycle in tip-top shape so it’s ready to rock and roll when spring rolls around. 

Fill It Up

Fill up your gas tank, and don’t forget to add some fuel stabilizer to stop the gas from deteriorating over the winter. 

Change The Oil

Whether your motorcycle’s engine is due for an oil change or not, it’s important to complete the task before you store your bike for the winter. Over the winter months, oil can turn to sludge, causing damage to your engine that’s expensive to repair. Don’t forget to change the filter plug too. 

Choose The Right Place

Storing your motorcycle in your garage? Be sure to choose a place away from light, as sunlight can fade your motorcycle’s paint. 

Don’t Forget About The Battery

Some motorcycles have a slight battery drain happening even when your bike isn’t on, in order to preserve your clock and audio presets. You can remove the battery, or crank your bike up once a month to keep the battery in working condition.

Call Oliver Insurance, Serving Canby, OR

Even if you’re not going to be riding this winter, it’s important to make sure your bike is covered for the spring. Call Oliver Insurance, serving Canby, OR, to make sure you’ve got the motorcycle coverage you need to stay protected on the road.

Is Boat Insurance Required In Canby, OR?

When you’re a boat owner in Canby, OR, it’s important that you adhere to all of the different rules and regulations. While boat insurance isn’t required by the state, there is still plenty that you need to know. At Oliver Insurance, we’re here to help with the coverage levels, too.

What is required?

Although boat insurance isn’t required by the state, Oregon regulations do require you to register your boat. Additionally, if you’re still making payments on your boat, the lienholder may require you to have liability insurance. This ensures that you’re financially protected in the event that you cause property damage or injuries.

If you question what is and isn’t required, you can contact the finance company as well as the Oregon State Marine Board. Our insurance agents are also happy to answer questions.

Protect Yourself with Boat Insurance

Whether you buy a pontoon, a sailboat, or a speedboat, it’s a considerable investment. It’s only right that you protect that investment with boat insurance. If someone gets hurt on your boat, they could sue. If you cause damage to someone’s property, they could sue. Further, if someone vandalizes or steals your boat, you want to make sure that it can be repaired or replaced. These are all reasons to buy boat insurance that you can rely on.

You’ll feel better if you know that you can file an insurance claim with the insurance company. As far as what will be covered, that depends on what you have for coverage. Customized policies can be built to provide you with the coverage (and levels of coverage) that you need in certain areas.

Don’t wait another minute to feel protected by boat insurance in Canby, OR. Contact us at Oliver Insurance today to get help with the coverage and have all of your questions answered.

Is It Worthwhile for You to Get an Umbrella Policy?

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.

Why life insurance is the best investment you can make

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.