Competitive Insurance Solutions for You

Coverage for Small Business, Construction, Professional Services, Home Health, Medical Services, Commercial Property, and Technology Businesses

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Small Business

Running a small business can be rewarding, but it can also be risky. That’s why it’s important to have the right insurance coverage to protect your business from potential losses.

Oregon is home to a diverse and thriving small business community that plays an important role in the state’s economy. From established businesses to startups, there are a wide variety of small businesses in Oregon that contribute to the state’s economic growth and innovation.

There are many types of small businesses in Oregon, ranging from traditional brick-and-mortar stores to online businesses. 

The small business community in Oregon is diverse and dynamic, with businesses in a wide variety of industries and sectors. Many of these businesses are family-owned and operated and are committed to supporting their local communities and contributing to the state’s economy.

Our Focus is on you and making sure you get the best coverage and price.

Here are some examples of the most common types of small businesses in Oregon:

  1. Retail stores: Oregon is home to many small retail stores, including clothing stores, gift shops, and specialty food stores.

  2. Restaurants and cafes: There is a thriving food scene in Oregon, with many small restaurants, cafes, and food trucks.

  3. Artisan businesses: Oregon is known for its arts and crafts, and there are many small artisan businesses that create and sell handmade goods, such as pottery, jewelry, and woodworking.

  4. Professional services: There are many small businesses that offer professional services, such as law firms, accounting firms, marketing agencies, and consulting firms.

  5. Healthcare services: Oregon has a strong healthcare industry, with many small businesses offering medical and dental services, as well as alternative therapies such as acupuncture and massage.

  6. Outdoor recreation and tourism: Oregon’s natural beauty and outdoor activities make it a popular destination for tourists, and many small businesses cater to this market, such as hiking and biking tours, fishing guides, and adventure companies.

  7. Technology and software: Oregon has a growing technology sector, with many small businesses focused on software development, web design, and other digital services.

These are just a few examples of the many types of small businesses that can be found in Oregon.

Professional Services

As a provider of professional services, your clients depend on your expertise to help them make important decisions and solve complex problems. However, even the most experienced professionals can make mistakes, and when they do, it can have serious consequences. Without proper insurance coverage, you could be held liable for financial losses or other damages resulting from errors or omissions in your work.

Our Focus is on;

  • Architects, Interior Designers, Landscape Designers
  • Financial Planning Services
  • CPA, Tax Consultants, and Bookkeepers
  • Business, Marketing, and Management Consultants

Construction

As a contractor, you’re exposed to a variety of risks on a daily basis. Whether you’re working on a construction site, installing new electrical wiring, or repairing a roof, accidents and unexpected events can occur at any time. Without proper insurance coverage, you could be held liable for damages, injuries, or other losses, putting your business at risk of financial ruin.

Our Focus is on;

  • Residential Contractors, Commercial Contractors, & Landscape Contractors
  • General Contractors
  • Home Builders, Rehabbers, and Remodelers
  • High-Risk Trades Like Excavation, Concrete, Grading, and Heavy Equipment Operators

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Medical Services

As a provider of medical services, you work hard to provide the best care to your patients. However, despite your best efforts, things can go wrong. Patients can experience complications or adverse reactions to treatments, or they may feel that they have not received the care they expected. In these situations, you may be at risk of facing legal action. Even if you are not found to be at fault, the cost of defending yourself can be significant and can impact the financial stability of your business.

Our Focus is on;

  • Primary Care Clinics
  • Specialty Care Clinics
  • Dental Clinics
  • Optometry Clinics
  • Wellness Clinics
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Home Health

As a provider of home health services, you work closely with patients and their families to provide the care and support they need to live independently. However, this work comes with a number of risks that could put your business at financial risk. Without proper insurance coverage, you could be held liable for injuries or damages resulting from your work, and you may not be able to continue providing care to those who need it most.

Our Focus is on;

  • Home Health Services
  • Skilled Nursing Care
  • Occupational Therapy
  • Physical Therapy
  • Mobile Massage, Chiropractic, Acupuncture, etc…

Technology Business

Technology businesses face unique challenges in today’s fast-paced and ever-changing digital landscape. These challenges can include:

  1. Keeping up with the latest technology trends and advancements in order to remain competitive.
  2. Protecting sensitive data and intellectual property from cyber threats, such as data breaches, hacking, and malware.
  3. Managing and integrating complex technology systems and processes.
  4. Finding and retaining skilled and knowledgeable technology professionals.
  5. Meeting the evolving needs of customers who increasingly rely on technology to engage with businesses.

 

Our Focus is on;

  • I.T. Service and Repair Providers
  • Technology Consultants
  • Managed Service Providers
  • Saas Companies
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Commercial Property

If you don’t have the right insurance coverage in place, you could be leaving your property and your business exposed to financial losses and legal liabilities. Without adequate protection, you may be forced to pay for costly repairs or legal settlements out of your own pocket, which can be devastating for your business and your personal finances. And with so many different types of insurance policies and coverage options available, it can be overwhelming to determine what types of coverage you need and how much coverage is appropriate for your property.

Our Focus is on;

  • Warehouse & Industrial
  • Multi-Tenant Retail
  • Office Buildings
  • Mixed Use Properties
  • Cannabis & Marijana Operations

Excess & Surplus Insurance (E&S)

Excess & Surplus Insurance (E&S) is a type of insurance that provides coverage for risks that are not typically covered under standard insurance policies. This type of insurance is designed to help businesses manage their unique risks and protect them against unforeseen circumstances. In many cases, businesses require insurance coverage that is specific to their industry or unique situation, and that is where Excess & Surplus Insurance comes in.

Excess & Surplus Insurance is essential for businesses that operate in high-risk industries or have unique insurance needs. Many businesses face risks that standard insurance policies do not cover, such as hazardous operations or new ventures. Without the appropriate coverage, a single incident could lead to financial ruin.

By providing additional coverage, Excess & Surplus Insurance can protect businesses against risks that could result in large financial losses. It is important for businesses to work with an insurance company that has experience in providing E&S coverage to ensure that they are adequately protected.

In the following sections, we will explore some of the unique risks that businesses face, and how Excess & Surplus Insurance can help to mitigate these risks.

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What will 10 minutes get you?

  • 27% LOWER RATES VS. ALLSTATE
  • 26% LOWER RATES VS. STATE FARM
  • 32% LOWER RATES VS. GEICO

 

  • 18% SAVINGS ON GENERAL LIABILITY
  • 12% SAVINGS ON PROFESSIONAL LIABILITY
  • 8% SAVINGS ON WORKERS’ COMPENSATION
  • 16% SAVINGS ON COMMERCIAL AUTO

 

These are average savings