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101 N Ivy St
Canby, OR 97013

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Umbrella Insurance: What You Should Know

Insurance of any kind is designed to protect your assets from catastrophes. While most people in Canby, OR focus on purchasing auto and home insurance policies, these policies may not always provide the level of insurance protection that you truly need. That’s where umbrella insurance from Oliver Insurance comes in and fills the gap that your other insurance policies leave open.

What Is Umbrella Insurance?

Umbrella insurance is a special form of liability coverage that simply goes above and beyond your other insurance policies. However, this does not mean that you don’t need those policies. Instead, umbrella insurance serves as a supplemental policy.

For example, in the event that someone injuries themselves while at your home, your home insurance will likely cover the expenses. However, it will only cover the costs up to the limit of your policy. If this limit is $250,000 and the costs associated with the incident exceed that amount, you will be responsible for those expenses.

With an umbrella insurance policy, though, it will cover those expenses so you don’t have to.

Benefits of an Umbrella Insurance Policy

Umbrella insurance simply offers protection when your other policies cannot. It can even protect you when you are facing an incident-inspired lawsuit.

A policy like this can be beneficial to those who are at risk of having a lawsuit placed against them, including homeowners with pools, trampolines, or dogs, as well as auto owners who have inexperienced drivers. Umbrella insurance can also be invaluable to people who have significant assets due to the fact that the basic insurance policy is unlikely to sufficiently cover them.

If you have questions about umbrella insurance, including what is and isn’t covered, contact us at Oliver Insurance. We proudly serve the Canby, OR area and are happy to help you in finding the best policy coverage for your situation.

3 Important Benefits of Life Insurance

If you have anyone who depends on you financially, you may be concerned about what will happen to them—financially and otherwise—if something were to happen to you. Your loved ones need to be able to grieve their loss of you and not worry about any kind of financial burdens. This is one of the many benefits of securing a life insurance policy in Canby, OR from Oliver Insurance.

Financial Security

The main benefit of having life insurance is the benefit that is paid out to your family upon your passing. This type of financial support allows your loved ones to pay for education, pay off the car, pay off the mortgage, and more. There is also money to cover burial expenses as well as money to replace your lost income.

Affordability

Many people do not realize that life insurance is affordable. Because people think it is expensive, they fail to acquire a policy to protect their families. Due to the fact that life insurance policies are so affordable (potentially only a few hundred dollars annually!), it can be one of the wisest investments you ever make.

Locked-in Rates

Ultimately, it is best to purchase a life insurance policy while you are young and healthy. This allows you to have access to lower rates, which are usually locked in for the entire policy term. Therefore, if your health changes during your policy, you won’t see an increase in your premiums.

As you are likely well aware, life can be unpredictable at times. To ensure you and your family are protected against the unexpected aspects of life, schedule a meeting with an insurance agent at Oliver Insurance, an insurance agency that serves the Canby, OR area.

What to Do After an Auto Accident

Being in a car accident is stressful, but remaining calm and focused is imperative. Directly after the accident occurs, check yourself for injuries before moving to any passengers in your vehicles. If another vehicle is involved, only extricate yourself from your car once it is safely moved out of the road – if possible – and then check on the individuals in the other vehicle. If you are in doubt as to whether you or someone else is injured, err on the side of caution by calling 911 and requesting medical attention. Additionally, even if the accident is minor, contact the police to request assistance. Having a police report will be invaluable for the insurance claim process and for any further adjudication if needed.

Once you’ve established that all parties are uninjured, start gathering information from those that are involved. Information to collect includes:

  • Photocopies of Driver’s Licenses or State IDs
  • Vehicle Descriptions (Make, Model, Year)
  • Photocopies of Insurance Cards
  • Eyewitnesses: Names and Phone Numbers
  • Accident Scene Address/Location
  • Responding Police Officer’s Name and Badge Number

Additionally, be sure to take photos of the accident to include the vehicles involved. Do not admit fault to anyone, even if you think it was your fault. The claim process can be started while you are still at the accident scene. File your claim online, by phone, or from an app if that is an option with your carrier. 

At Oliver Insurance in Canby, OR, we are your auto insurance professionals and can help you from opening a policy to filing a claim. At Oliver Insurance in Canby, OR we strive to deliver exceptional service while treating our customers like family. Give us a call today to learn more about our insurance services.

How Pet Insurance Works in Oregon

Pet insurance works like any other insurance in Oregon, but it is special coverage for a special member of your family.  When you have a pet that becomes ill, the expenses of that can lead to decisions that aren’t best for your pet.

At Oliver Insurance, we want Canby, OR pet owners to put this worry away. We can help you to find coverage that will meet your pet’s wellness needs at almost any stage of life.

How Does Pet Insurance Work?

Pet insurance is coverage that you get for your pet’s health care. There are a number of different plans and coverage that you can get for your pet. This will cover everything from shots, to tests, surgeries, and many prescriptions.

Each plan will vary depending on coverage, and you can select the coverage that you need.

Each plan also often carries a deductible. When you take your pet to the vet, you will have to pay this deductible first, and the insurance will cover the rest of your pet’s care. That deductible is something that you usually can select when you are selecting your coverage as well, although some pet insurers will determine that amount for you.

Every policy will be different. Some insurers will pay the clinic or veterinarian directly, while others will reimburse you for the money spent at the vet after your deductible.

Get a Quote

At Oliver Insurance, we want Canby, OR pet owners to let go of the worries of vet bills. Pet insurance will do that for you. When you have pet insurance, you don’t have a decision to make when your pet becomes ill. Call us for a quote today.

Why Motorcyclists Should Consider Comprehensive Coverage

Motorcyclists have special insurance needs. When you drive a motorcycle, you want to make sure that you are covered on all fronts. Comprehensive coverage provides one way to protect your motorcycle and your wallet.

Oliver Insurance, which provides service in Canby, OR, understands your needs as a motorcyclist, especially if you love your bike. These are some of the reasons why motorcyclists should consider comprehensive coverage.

Comprehensive Coverage Covers Non-Collision Damage

Did you know that most policies do not cover damage caused by an accident that involves a stationary object, like a light pole or a guardrail? If your bike is damaged because of one of these types of accidents, comprehensive coverage may come into play and cover damage, even if you may have caused it.

Comprehensive Coverage Covers Vandalism & Theft

Motorcycles are easy to vandalize or steal in comparison to some other vehicles, which is why motorcyclists should be concerned about their bikes. Comprehensive coverage provides insurance for bikes that become damaged because of things like graffiti, arson, and other types of physical damage.

Comprehensive Coverage Covers Weather Damage

Weather damage can damage a motorcycle, especially when you end up somewhere without proper coverage. Whether your bike is damaged by wind or rain, you may be able to use comprehensive insurance to cover it.

Get Comprehensive Coverage Today

Oliver Insurance, which helps motorcyclists in Canby, OR, can help you through insurance challenges. When you are unsure what kind of coverage is right for your bike, a professional can shed light on the benefits of comprehensive coverage. Contact the office today to learn more about comprehensive coverage for motorcycle drivers.

What is the value of having boat insurance in Oregon?

Anyone that is in the Canby, OR area will love having access to all the local waterways. If you would like to enjoy this area of Oregon as much as possible, investing in your own boat can be a great idea. Those that are going to buy a boat will also want to ensure that they have the proper insurance protection in place. For many, this will include having a boat insurance plan. Having a boat insurance plan comes with several benefits.

Coverage for Boat

An ideal reason to get a boat insurance plan in this area of Oregon is that you will know your boat is covered and protected. When you are going to buy a boat, you will want to be able to use it for as long as possible. Unfortunately, the risk of theft or accident damage can impact your ability to use the boat well into the future. Boat insurance will ensure you are covered against these situations, and others, that could result in a loss.

Protection to Offset Liability

Another advantage of having this insurance is that it can help to offset your liability risk. When you use a boat, you could run into the risk that you cause an accident. If you do cause an accident, you will need to cover all damages. Your boat insurance plan can help to mitigate this concern with liability coverage. 

Those that want to get a boat insurance plan in the Canby, OR area will benefit by speaking with Oliver Insurance. Those who are going to call Oliver Insurance will find that the team offers great guidance and support throughout the process. They will work hard to make sure they understand your individual needs and then offer any guidance that is necessary to help you build your next policy. 

Do all people in Oregon need umbrella insurance?

Those that are in the Canby, OR area are going to have a variety of insurance needs. A form of coverage all people should take seriously is their need for proper personal liability coverage. If you are in this area and want to ensure you have proper personal liability coverage, you should get an umbrella insurance plan. This type of coverage should be obtained by all residents for a few reasons. 

Coverage for Larger Claims

A key reason all people here should get an umbrella plan is so they can have coverage for any larger claims. If you are found to be at fault for an accident that takes place in your home or when driving, your home and auto plans should offer coverage. However, a bad accident could have damages that are in excess of your base insurance plans. With umbrella coverage, you will have additional protection for these situations. 

More Situations are Covered

You should also get an umbrella plan to get coverage for more situations. With an umbrella plan, you are going to receive coverage for almost any scenario that could result in a liability claim. This is advantageous as liability coverage through your home and auto plans can be somewhat limited. This should provide helpful support and some peace of mind. 

People that are in the Canby, OR area will clearly benefit by having a full umbrella insurance plan. If you are evaluating your needs and options in this area, it would be helpful to call Oliver Insurance. There are many factors to consider when looking for this protection and Oliver Insurance can make it easier for you. The team here will help you build a plan that is ideal for your situation and offers the best coverage possible. 

Factors To Consider When Getting Life Insurance

Life insurance can be confusing and even a scary subject to some people. Amidst the different types, people often wonder how to go about purchasing life insurance and how to protect their families. Oliver Insurance of Canby, OR wants to make this process as easy as possible for you. Here are some of the things to consider when in the market for life insurance.

Decide The Period You Need Coverage

Life insurance is classified into term and permanent life insurance. If you only require life insurance for a particular period, say till the kids are all grown, or till you finish paying your mortgage, you can consider term life insurance. However, if you need a policy that will last you a lifetime and cover things like burial expenses and replace your income, consider permanent life insurance.

Affordability and Your Budget

Buying an affordable policy is essential for several reasons. For once, you are buying your loved ones financial security for the future. However, that does not mean you deprive them of essential things in the name of maintaining your policy. Present financial security is important as well. When faced with a financial challenge like losing a job, life insurance might be one of those things that face budget cuts. By having an affordable policy, paying those premiums will not strain you in difficult times.

Beneficiaries

When buying life insurance, you have to name a beneficiary. This is the person receiving a payout after your death. Always avoid mentioning minors, as they will not receive the payout directly until they are of legal age. This can lead to tiresome legal proceedings that will frustrate your kids eventually. If possible, find a trusted guardian who will ensure the payout benefits the kids.

If you reside in Canby, OR, and are looking for the right way to protect your loved ones, contact Oliver Insurance. We can help you navigate the world of life insurance, ensuring you have secured the financial security of your loved one.

Commercial Insurance Add-ons to Consider

Whether large or small, no business in Canby, OR is immune to risks like fire, theft, lawsuits, vandalism, and so on. And because businesses operate in a risky environment, that’s why it’s pivotal to invest in commercial insurance. But since only commercial auto insurance and worker’s comp insurance coverages are mandatory in Oregon, does that mean that you should buy only? The answer is no. It would help if you had other commercial insurance add-ons from Oliver Insurance to boost your coverage.

Let’s dive in.

Umbrella insurance

Your business faces many liability risks. May it be advertising injury, property damage, or bodily injury, your business can’t afford to live without a general liability insurance plan. Unfortunately, your business liability insurance can only stretch as far. When faced with significant financial claims, it’s bound to run out, leaving your business exposed.

Fortunately, umbrella insurance picks from where your conventional liability coverage leaves off, lessening your financial burden.

Flood insurance

Where it rains, it can flood. And as you know, floods can cause untold damage to your business’ assets. And the sad bit is that your typical business insurance policy doesn’t cover floods. So, if you live in a flood-risk location, it’s wise to invest in flood insurance to protect your business optimally.

Cyber liability

Are you an online-based business? Do you store sensitive customer data? It would be best to have cyber liability insurance to protect you against cybercrimes that can be costly. This coverage covers costs like legal fees, customer notification costs, public relations expenses, and other related costs.

Commercial property insurance

While this insurance is required in Oregon, it can be the difference between the success and failure of your business when perils strike. Imagine if fire consumed your business premises and everything in it? Wouldn’t that be a massive blow to bear without insurance? Commercial property insurance protects your building and other assets from various risks.

Buy commercial insurance today!

Would you like to boost your commercial insurance in Canby, OR? Don’t hesitate to get in touch with Oliver Insurance. We will advise on add-ons you need to consider for strengthening your business insurance policy.

How Home Insurance Protects You

If you own a home, it’s essential that you have a home insurance policy on your house for as long as you live there. If you don’t have this type of policy in place, it’s important for you to give us a call at Oliver Insurance in Canby, OR to get started. No homeowner should ever be without this coverage. In many cases, it is required by the mortgage lender that you keep this insurance. But even when it isn’t required, you should have a policy.

The House

With a home policy, there is coverage built in that protects your house against any damages that are caused by covered incidents. These may be weather disasters, accidents, geological problems, etc. As long as it is covered, the damages that it creates to your home will be paid for by the policy. This includes rebuilding the entire house if it is destroyed. When there is serious damage to your home, the price can be incredibly high to get it all repaired. With home insurance, those costs are taken care of.

Your Belongings

Inside your house is likely most, or even all, of what you own. Those items are important, and they often represent a large outlay of money. With your home insurance policy, items that are damaged or ruined can be replaced. If there is a serious incident that ruins many of your belongings, it can be prohibitively expensive to replace them all yourself. With your home policy, you won’t have to. This is a helpful way to protect not just the dwelling but everything that is inside it as well. 

Get Your Home Insurance Policy

If you own a home, you need to have home insurance. To find out more about it, contact us at Oliver Insurance in Canby, OR today. 

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