COVID-19 Client Memo

To Our Valued Clients,

As the situation locally and worldwide continues to be fluid with regards to the COVID-19 pandemic, we want to assure you, we are available to assist with your insurance needs.  However, our employees, their families and our fellow citizens’ safety continue to be our top priority. If we need to make changes to our office hours, we will communicate that information as soon as possible.

We are following the recommendations of our state and city officials.  At this time, our office will remain open.  We are, however, requesting that you refrain from personally visiting our office unless necessary.  Until further notice, phone, email and website communication is recommended.

Insurance Carrier Apps

If you have not done so already, this would be an ideal time to download and sign up for your insurance carrier’s APP.  You can perform most insurance transactions within the carrier’s APP.  These APPS are free and are a great tool.

PAYMENTS

You can drop off payments at our office through our drop box located next to the front door.  We can also take payments over the phone.  Another option is to visit your carrier’s website directly to pay your bill. Below are links to our main insurance providers.    

If your employment and income has been directly affected by COVID-19, please let us know.  Many of our insurance carriers are ready to help with billing and payment issues, including the possible movement of billing due dates.

CLAIMS

In the event you have an insurance claim, please contact your insurance carrier directly.  Your auto insurance cards have the claim numbers on the back of your card.  In most cases, you can also begin a claim online – simply navigate to REPORT A CLAIM.  Beginning your claim by phone or website, will not delay your claim in anyway and is often the most efficient way to begin the claim process.

BUSINESS/COMMERCIAL CLIENTS

Many of you have questions and concerns regarding coverage if your business needs to or must close/shut down for a period of time.  We are gathering all the information we can from our carriers.  We are also waiting to see what relief the national and state governments may be providing to those impacted.  Please know we are here for you and will do our best to get the correct information into your hands.  We appreciate your patience as more information becomes available based on an ever-changing situation.

Thank you again for your patience as we navigate uncharted waters.  We will update you only as necessary with any changes to our current Oliver Insurance office plan.  For now, our hours remain 9 – 5, Monday through Friday (with lunch from 12:30-1). Stay safe, stay healthy and STAY HOME!

Sincerely,

Ryan Oliver

President, Oliver Insurance

Safeco:   https://www.safeco.com/

Progressive:   https://www.progressive.com/

Sublimity:  https://www.sublimityins.com/    Navigate to the Customer tab

Nationwide:  https://www.nationwide.com/

MetLife:  https://www.metlife.com/

Travelers:  https://www.travelers.com/

Liberty Mutual:  https://www.libertymutual.com/

** Don’t see your carrier here? You can call our office or review your insurance paperwork for contact information **

Protect Your Business Income During a Power Outage

Whether it's a winter blizzard or a summer thunderstorm that takes place here in Canby, Oregon, severe storms can wreak havoc on your business. If severe enough, it could result in your business losing power, which means that you'll have to shut the doors for a bit. Many business owners assume that their standard business insurance contains coverage for this particular type of situation, but this is not always true.

Understanding Business Interruption Coverage

Some states offer an extended coverage for utility interruptions. It is typically known as Utility Services-Time Element and offers coverage for any income loss during an interruption of water supply, power or communications. As a general rule, this type of policy will offer reimbursement for profit loss as well as continuing expenses until your service has been restored and up to the policy limit.

When selecting coverage, it is important to determine whether you need all three or just certain utility coverage. You may need help in doing this, which is why you can give one of our independent agents in Canby a phone call.

3 Things to Keep in Mind

When it comes to this type of coverage, remember that:

  • This utility services interruption coverage cannot be purchased as a standalone policy and must be purchased in conjunction with business income coverage.

  • If there is a deductible or waiting period for your business income coverage, then it will also apply to your interruption coverage.

  • In order for the policy to take effect, the utility loss must have been a result as a covered loss.

If your business heavily relies on any type of utility, then it is imperative that you consult with us about the utility interruption coverage. Our independent agents want to make sure that all businesses in the 97013 community are properly coverage in the event that their business has to shut its doors or need to replace electronics due to storm damage. Contact us today and let us help you!