Wildfire Impact & Important Information

For those of us in the Pacific Northwest, times have been challenging to say the least. In conjunction with our insurance carriers, our Oliver Insurance team is ready to support and help our clients recover during this time.

If you have not done so, setting up your online customer account will give you 24/7 access to your policies, coverage and more. If you are suddenly displaced, access to your insurance information online can help you immensely during a crisis. Follow the link to enroll in the Client Center Login portal. REGISTER HERE

FAQ’s


1. If I had to leave my residence, are temporary housing costs covered? YES, if you live in a level 3 evacuation zone only. You will be reimbursed for these costs, so always keep your receipts. (this includes renter’s policies, but coverage amounts may differ)
2. When should I file my claim? Due to the ongoing nature of the wildfires, most insurance carriers have requested clients wait until the situation has become less urgent to start their claim process.
3. I know my policy covers fire in my dwelling, does that also include “Wildfire”? YES, coverage applies in wildfire situations.
4. How long will the claims process take? We are advising our clients due to the sheer number of people impacted by the fires in Washington, Oregon, California, Idaho and Montana, that the process will likely take longer than normal.

Additional resources

U-Haul is Offering Free Storage for Evacuees of the Fires in Oregon and Washington Learn More HERE

Find A Shelter

Catastrophe Preparation Guidance

Air Quality Where You Live

Unfortunately, no words can erase the pain for those who have lost homes, property, pets and memories. Our hearts go out to you. We will be here for you as you look toward rebuilding. Please take care, stay safe as possible and do not hesitate to contact our office with questions.

Sincerely,

The Oliver Insurance Team

A Look At Different Types Of Commercial Insurance Policies That Small Businesses Should Research

Based in Canby, OR, Oliver Insurance strives to help the community find the insurance coverage that they need. We are committed to providing excellent customer service. As an independent agency, we take time to examine our client’s situation in order to help them find a policy that fits their specified needs.

Commercial Insurance

Canby, OR is home to several thriving businesses that have helped stimulate the economy. Commercial insurance allows businesses to continue growing. The policy reduces some of the potential risks that you may be exposed to while running your business.

Business Liability Coverage

Business Liability Coverage allows you to protect your business in the event that a situation arises in which you may be held liable. Identity theft coverage protects your business in the event that there are allegations of fraud. You can also add coverage to protect any of your business’s executive officers against potential allegations.

Workers’ Compensation

Workers’ compensation allows you to take care of your employees in the event of an accident. The policy allows you to protect the interests of your employees, which should improve morale.

Property Coverage

Commercial property coverage allows you to protect your most important assets in the event that they are damaged or vandalized. The policy helps secure the long term future of your business.

Auto Coverage

If a major part of your business involves transportation, it’s important that you have coverage. The commercial auto policy will protect your vehicles in the event that they are damaged as a result of an accident. You can add liability coverage to your vehicles as well.

Oliver Insurance Will Simplify The Process

Figuring out the type of commercial coverage that you need is a complicated process. Stop by our office in Canby, OR and we will help you.

Tips for successful home insurance claim

Our homes make us feel safe. It is where we rest and take time to bond with our loved ones. That’s why we protect it with a home insurance policy, hoping never to make an insurance claim. However, due to unforeseen circumstances or simply bad luck, accidents happen, and we end up running to find our policy documents to see whether they will be helpful. Unfortunately, many Canby, OR residents don’t know how to file a home insurance claim.

At Oliver Insurance, we help take you through all the steps and ensure you are fully compensated in any covered claim. Here are a few tips to help out.

Act quickly

In the event of an accident like fire, your speed matters a lot. How fast you report and provide all the information required by your insurer determines how quickly your claim will be resolved. If it were a burglary, you would need to report the incident to the police and present this information to your insurer.

Don’t tamper with anything that would invalidate your claim

Making a home insurance claim is not something we are used to, which means we are unfamiliar with the process. However, like any other claim, it is essential to understand that tampering with evidence can lead to losses on your end. If there was a fire, don’t touch things until your insurer allows you to.

For larger claims, an adjuster will be sent to you

For larger claims, your insurance provider will have to take full control of the situation as there will be investigations to be conducted. Your insurer will probably need to send an insurance adjuster who will determine what will be replaced and what will be repaired.

Remember, honesty is the best policy. So, don’t exaggerate the value of your claim. Being dishonest can easily land you into trouble, and you may end up not getting any compensation at all. Need more information about home insurance in Canby, OR? Let Oliver insurance guide you. Our insurance experts will be on standby to offer any help you may need. Contact us today.

Covid19-Update 8.26.2020:

Our office has reopened to the public.

Masks, Face Shields, Face Coverings are required.

Everyone five (5) years of age and older is required to wear a mask, face shield or face covering at this location. If you do not have a mask, we have free disposable masks available for your convenience.

There are no exemptions, but individuals can request an accommodation to enable full & equal access to our services. Children between two (2) and five (5) years of age are strongly encouraged to wear a mask, face shield or face covering.

To request an accommodation, please contact our office at 503-266-2715.

How Much Auto Insurance Do I Need?

The drivers of Canby, OR aren’t usually thinking about their auto insurance when they get in their vehicles. They’re thinking about whether or not they’ll make it to a destination in time and which routes they’ll take. Maybe they’re just thinking that they can’t wait to hit the open road. But as much as insurance might be the last thing on their mind, that won’t help if they realize they don’t have enough coverage down the line. Oliver Insurance wants you to know more so you can get what you need. 

A Few Questions 

There are a few major questions to ask yourself before selecting an amount of coverage:

  • Can you cover expenses if you opt-out of certain types of coverage? For example, if you choose liability only, this will not cover the damages of your car in the event that you cause an accident. If you need to replace your car entirely, are you prepared to do this?
  • What kind of upgrades have you made?  If you’ve outfitted the car with the latest stereo equipment or after-market parts, you’ll need to let your insurance carrier know this, otherwise, these items may not be covered should they be damaged or stolen. 
  • How do you use the car? If you’re using your vehicle for business purposes in Canby, OR, you may need more coverage than someone who’s merely driving it to church once a week. 

Knowing the Difference 

If you have questions about the different levels of policies available to you, Oliver Insurance is here to help. We serve the people of Canby and ensure that they get the perfect amount of coverage for them. When you’re ready to discover how different types of coverage will function for you and your needs, contact us today. 

Do You Need Pet Insurance?

As a pet parent, you want the best for your kit or pup. Pet insurance from Oliver Insurance can help offset the cost of veterinary care in Canby, OR, making it easier for you to get the medical services you need for your pet. Here’s how you can benefit from a pet insurance policy.

What Does Pet Insurance Cover? 

Pet insurance basically comes in three types of plans: Accident-Only plans, Accident & Illness plans, and Insurance with Wellness plans. Each of these plans offers specific types of coverage.

As the name implies, accident-Only plans cover accidents, i.e. accidental poisoning, ingestion of a foreign object or car accidents, etc. Accident & Illness plans add illnesses to your coverage, to include allergies, infections, digestive problems, cancers, etc. Insurance with wellness includes coverage for accidents, illness, and preventative care services like vaccinations, parasite control, dental care, and cremation/burial services.

As pet insurance coverage and costs vary from one insurer to another, it’s important to review your policy carefully before buying to insure you’re getting the most from your investment.

Should You Purchase Pet Insurance?

As a pet owner, you need to decide if pet insurance is worth the cost. Your pet may be healthy now, but you never know what the future holds. An unexpected illness or accident could double or triple your veterinary costs, putting a massive dent in your budget. Pet insurance can be a lifesaver in helping to cover unforeseen or emergency medical costs.

As your pet ages, he may develop a chronic condition that requires regular medical treatments. Pet insurance can help you cope with the cost of these treatments. Some policies have age restrictions for coverage, however, which could affect the help you receive for your senior pet. 

For more information about pet insurance coverage and costs in Canby, OR, call or visit Oliver Insurance. 

Can my flood insurance cover personal belongings

Flooding is the most pervasive and expensive natural disaster in America. It affects homes, business buildings, and other properties in Canby, OR and other parts of the country. Despite floods affecting your home structure and personal belongings, homeowner’s insurance does not cover any damage related to floods. At Oliver Insurance, we recommend buying separate flood insurance to cover personal belongings. So, does flood insurance protect your belongings? 

Yes. Flood insurance is a separate policy that protects your home and its content from damage from water damage.

What does flood insurance cover?

If you suspect or found out that you live in a flood zone area, your first step should involve seeking coverage to protect your home and loved ones from flood damage. According to NFIP, flood insurance covers the following:

  • Water heaters and furnaces
  • Plumbing and electrical systems 
  • Permanently installed carpet
  • Window blinds
  • Cooking stoves, refrigerators, and other inbuilt appliances like the dishwasher
  • Permanently installed bookcases, paneling, and cabinets
  • Detached garage
  • Well water tanks, fuel tanks, and solar energy equipment 
  • Anchorage systems, foundation walls, and staircases

What is not covered by flood insurance

Like you may have already guessed, flood insurance does not cover everything in your home. It is also essential to keep in mind that the cause of flooding heavily determines whether your belongings are covered or not. Flood insurance covers losses directly caused by flooding. For instance, if you left your tap water open and allowed water to flood your home, flood insurance may not cover the damage. The falling water has to come from the sky and nowhere else. If the flooding in your home were as a result of an overflowing creek, flood insurance would only come in to help if the overflow was a direct result of flooding.

For all your insurance needs, quotes, and policy discussions, contact Oliver Insurance or visit us at Canby, OR today.

Motorcycle Coverage For All Types of Riders

No two writers are alike. Everyone has their personal preference for motorcycle styles, as well as when they take their bikes out to ride and how they outfit their gear. As a motorcycle lover yourself you fully understand this. It also means you need personalized motorcycle coverage that protects both you and your bike. At Oliver Insurance we want to do everything in our power to help educate you on the insurance options while connecting you to coverage suited for your needs. 

Any Motorcycle

When you call Canby, OR home it doesn’t matter what kind of bike you own. From a traditional Harley Davidson to a classic Honda or Yamaha, any motorcycle can be protected with motorcycle coverage insurance. We want to help make sure your motorcycle has the kind of coverage it deserves. 

Coverage For Your Riding Schedule

It doesn’t matter when you ride or how often, there is coverage for you. If you are an everyday rider there’s coverage for you. If you ride just a few months during the summer there is coverage for you as well. Because there is such a variance in riding schedules it is important to select insurance that covers when you ride and when your bike is in storage. Our staff here at Oliver Insurance will protect your motorcycle and you whenever you need it without charging you for when you’re not.

Motorcycle Coverage For Your Riding Needs

It doesn’t matter what kind of rider you are or what kind of motorcycle you own, you need insurance. And that is exactly where we come in. If you call greater Canby, OR home our staff here at Oliver Insurance is here to help. So, feel free to give us a call at your earliest convenience, and, from there, we are here to help.

Covid-19 Update 5.28.2020 – ReOpening Phases

As the re-opening phases unroll, we’d like to share some important information regarding our physical office at 101 N. Ivy Street.

First, I’d like to THANK YOU for your patience. New ways of doing business often provide both growth and challenges. I am extremely proud (and appreciative) of our top notch, professional team working hard every day making sure you get the service you deserve, even if it isn’t in person.

As of today, May 27th, our office will continue to be open via phone, web, and email. We are also going to roll out a virtual meeting option. In person appointments can be scheduled if needed. Our office will remain closed to walk in traffic. Although the option for walk in traffic is now a reality, we had already begun the process of a long awaited (and needed) building update. We had hoped to be further along in the process at the time of the county reopening but alas, COVID has delayed the construction/permitting process.

Here is what you need to know:

We are open 9 – 5 Monday through Friday via the following options:
Phone: 503-266-2715 Fax: 503-263-6968
General Email Support/Customer Service:
Personal Insurance: help@oliverins.net
Business Insurance: business@oliverins.net
Website: Create or Login to your account at
www.oliverinsurance.net
Virtual Appointments – Coming Soon! STAY TUNED!
-Utilize our drop box for payments or paper documents located at
101 N. Ivy St. in Canby
-For special circumstances, we will accommodate an in-person
appointment

Our goal is to open our doors to the public in July after remodel completion.

Upon opening, we will follow all current state and county requirements to keep you and our employees safe. We will provide regular communication regarding our office reopening.

I hope you and your family continue to stay health and safe. We look forward to continuing to serve your insurance needs.

Sincerely,

Ryan Oliver
President, Oliver Insurance

Boat Safety Tips on the Water

Whether you’re a weekend warrior, a retiree, or a fisherman by trade, you want to be as safe as possible when you take your craft out. Here are a few safety tips for Canby, OR residents to consider.

Personal Flotation Devices

It’s always a good idea to wear your life jacket. Be sure your jacket is clean and the straps are secure before setting out on your day of fun. Even strong swimmers need the protection offered by a PFD. Be sure to provide these for any young people or children who may be on your boat. Whether you sail or row, motorboat, or paddleboat– you’re always going to be glad you put your life jacket on before leaving the dock.

Check your Equipment 

Get familiar with your equipment and be sure to check that everything is in working order prior to taking your craft out. If your vessel uses an engine, be sure you are gassed up and ready to go. Make sure the structure of your boat is sound and that there are no leaks or weak points.

Acquire boat insurance prior to getting in the water by contacting your agent at Oliver Insurance. They’ll discuss what coverage you need to protect yourself and your vessel. 

Pay Attention

Be aware of your surroundings, and consider the behavior of other boaters in your area. Always know where beaches are to avoid swimmers and consider the impact of weather on the success of your day on the water. Storms can develop without much notice, so be careful when determining what to do in case of poor conditions. 

Use Common Sense

Feeling the wind on your face and enjoying a day on the water is one of the best sensations in outdoor recreation. Keeping alert and using common sense will keep you and your crew safe. But if the unexpected does happen, be sure you’re covered by Oliver Insurance. Reach out to your Canby, OR agent today to discuss premiums, deductibles, and policy needs. It’s common sense to get protection– just in case you need it!