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Category: Insurance

Why Building Contractors Need Umbrella Insurance

Posted on by agentinsure

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.

Steps to Take When Considering Life Insurance

Posted on by agentinsure

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.

When Is An Injury Covered Under Workers Compensation Insurance?

Posted on by agentinsure

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?

Posted on by agentinsure

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

Posted on by agentinsure

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?

Posted on by agentinsure

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?

Posted on by agentinsure

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!

Is There Anything Umbrella Insurance Does Not Cover?

Posted on by agentinsure

Understanding the Advantages and Limitations of Umbrella Insurance

If you’re contemplating purchasing an umbrella insurance policy, it could be a wise decision to bolster your insurance coverage. While umbrella insurance offers an additional layer of protection, it’s crucial to understand that the policy doesn’t cover everything. For detailed information about umbrella coverage in Canby, OR, reach out to our agents at Oliver Insurance. We can provide a comprehensive explanation of what is and isn’t covered.

What Umbrella Insurance Covers

Umbrella insurance is a practical choice because it kicks in once the maximum coverage limits of your standard insurance policies (home, medical, auto) have been exhausted.

Umbrella insurance then covers lawsuits against you for damages or injuries, such as property damage to another person’s property, lost wages and medical bills for injured parties, court costs for legal settlements, and more.

What Umbrella Insurance Doesn’t Cover

In the event of an accident or property damage, your homeowner’s insurance policy is the first to be accessed. Umbrella insurance doesn’t cover any damage to your property.

An umbrella insurance policy does not cover your medical bills.

If you run a business, standard umbrella insurance doesn’t cover any losses your business may incur. You might need a commercial umbrella policy.

An umbrella policy does not cover liability arising from a contract.

If you’re found to have intentionally engaged in a criminal act or displayed criminal behavior, umbrella insurance does not cover any consequences resulting from these actions.

Get in Touch

There’s a wealth of information about umbrella insurance and who benefits from the extra coverage. For assistance in making the right coverage decision for residents of Canby, OR, you can rely on our team at Oliver Insurance for the answers you need.

Commercial Insurance a Business Needs When It Owns the Building

Posted on by agentinsure

Commercial liability insurance often takes center stage, but did you know that your Canby, OR, business also needs specific insurance that protects the components of your physical building? If you own your building, your commercial insurance package likely includes commercial property coverage. Still, your policy package from Oliver Insurance should also cover building components, such as glass windows or the boiler.

What If Your Business Rents Its Space?

If a business rents or leases its space, the landlord’s insurance typically covers boiler breakdowns, broken plate glass windows, and vandalism. Check your lease to ensure it extends the landlord’s insurance coverage for the cleanup of vandalism that occurs while you occupy the building or rented office. You’ll need insurance covering your business furniture, equipment, and inventory. If damage occurs to any part of the building itself, your landlord is responsible for the repairs.

What If Your Business Owns Its Building?

If you, as the business owner, or the business as a corporation or LLC, own the building, you are responsible for repairs. Commercial property insurance covers many damages, but some require a specific policy. Coverage like glass policies, boiler insurance, and business property coverage protects against financial losses from these types of damage.

Glass policies cover plate glass windows, mirrors, etc. Dance studios, workout studios, and retail stores often purchase this type of policy due to the large amount of glass in their buildings. Boiler insurance covers a building’s boiler, furnace, etc. You can file a claim if a part breaks or the system fails. A business that owns its building also needs coverage for the furnishings, equipment, and inventory.

How Do You Know Which Coverage to Buy?

Don’t guess which policies your Canby, OR, business needs. Call or email Oliver Insurance for a commercial insurance review. Let us help you build a comprehensive commercial package that protects your financial investment.

Insurance Guidelines for New Pet Owners

Posted on by agentinsure

Have you recently adopted a dog or cat? You can obtain insurance coverage for your new furry companion. Pet insurance will protect the health of your pet. Some insurance policies provide liability protection, which can also benefit you as a pet owner.

Pet Breed Considerations

Before you obtain pet insurance, consider the breed of your adopted pet. The temperament of a particular breed can affect what type of pet insurance you need.

For example, if you adopt a large dog breed known for its aggressive tendencies, you may need a liability protection plan that will provide protection if your pet causes harm to someone else. Liability protection for a pet will also provide protection if your pet causes damage to another person’s property.

Proposed Living Quarters

It is important to assess the type of living quarters that your new pet will be supplied with. An indoor pet may be provided with safety and security to ensure that it will maintain its health. However, a pet placed outdoors could be more at risk of becoming injured or sick.

Pet Health Considerations

You should consider your new pet’s current health and any potential problems that may impact its health in the future. Your pet insurance policy can cover routine office visits, emergency care services, and preventative care services.

Contact An Insurance Agent Who Serves Canby, OR

Schedule a time to consult with one of our Oliver Insurance agents. The agent who you meet with will ask you some questions about your new pet. Based on your information, the agent will recommend beneficial pet insurance products.

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