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Choice One Insurance, Inc

9111 SE St Helens St
Clackamas, OR 97015

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Does Commercial Insurance Protect Your Business from Severe Storm Damage in Portland?

Safeguard Your Portland Business from Weather-Related Perils

Portland is cherished for its fusion of natural beauty, local amenities, and connected cities. However, It is also susceptible to devastating and violent storms that can wreak havoc on local businesses.

Contact Choice One Insurance Inc. to learn how to efficiently protect your Portland business from weather-related challenges.

Commercial Insurance Protections for Portland, OR, Business Owners

Commercial insurance can play a critical role in safeguarding your business from the aftermath of devastating weather events such as:

  • Windstorms: High-velocity windstorms that blow through the city can cause significant property damage, uprooting trees and toppling power lines.
  • Hailstorms: Infrequent yet long-lasting hailstorms can swiftly cause damage, as falling ice dents business automobiles, breaks windows, and damages outdoor fixtures.
  • Flooding: This area experiences frequent bouts of heavy rainfall, which can lead to flooding in storage areas such as stock rooms, basements, and other low-lying areas.
  • Wildfires: Local business owners feel the scorching effects of wildfires when uncontrolled firestorms consume their property, inventory, or business vehicles.

An expert insurance agent can detail the advantages of comprehensive coverage and give professional advice on some of the following topics:

  • Building Damage
  • Property Damage
  • Contents Damage

Note: Provisions might also be made to help local business owners recover from shutdowns that lead to income loss and business interruptions that cause extra out-of-pocket costs.

Don’t delay until the inevitable happens; it is too late to protect your commercial business from theft, vandalism, liability claims, property damage, and natural disasters.

Contact the insurance agents at Choice One Insurance Inc. in Portland, OR, to learn about your best coverage options and get a commercial insurance quote today!

Cargo Insurance vs. Commercial Insurance

For business owners who want coverage they can trust, our team of qualified insurance professionals at Choice One Insurance Inc. in Portland, OR, ensures that every aspect of your business is protected. From the equipment you use to carry out tasks related to producing goods and services to the freight you ship to partners and other businesses, we take covering your company seriously. If you’re not sure whether you should get commercial insurance, cargo insurance, or both, we can differentiate them below. For more specific information, you can always contact our office to discuss potential options with our team.

What Is Cargo Insurance?

Cargo insurance is a specialized kind of policy that covers your freight so you can be reimbursed if your cargo is stolen or lost during certain types of shipment. While every cargo insurance policy is different, you can rest assured that each cargo insurance policy is designed to cover some aspects of your cargo. Different types of cargo insurance cover different aspects of shipment, so you should ensure you have the right one for your business.

What Is Commercial Insurance?

Commercial insurance covers businesses in general. Some policies, like commercial auto insurance, cover vehicles for your business. Other types of commercial insurance, like worker’s compensation insurance, cover your employees and protect you from liability.

Differences Between Cargo Insurance and Commercial Insurance

The most obvious difference between cargo insurance and commercial insurance is the aspects of business they cover. Commercial insurance covers a broader range of business elements. Commercial insurance policies may also pair with umbrella insurance, while cargo insurance might not. It’s best to consult an agent at our agency for more specific details.

Contact Us Today

Call Choice One Insurance Inc. in Portland, OR to protect your business.

Choosing the Right Truck and Delivery Insurance for Your Business in Portland, Oregon

Obtaining the proper commercial auto insurance policy for your truck and delivery businesses in Portland, OR is essential if you plan to operate your venture for many years to come. If you’re a business owner living in the Portland, Oregon region, choosing the right truck and delivery insurance becomes much easier with the assistance of a professional insurance agency, such as Choice One Insurance Inc.

Coverage Needs

You must consider your business’s size and type and the risk exposure based on your business activity. Legal requirements for transportation, employee vehicles, and commercial deliveries based on the industry and market you operate in should also be considered.

Types of Commercial Auto Insurance in Portland, OR

Common types of commercial auto insurance for those doing business in Portland, OR include:

  • Traditional Commercial Auto Insurance: This type of insurance covers general liability, medical bills, underinsured coverage needs, and many instances of collisions.
  • Liability: Commercial liability is also recommended for all business types operating in or around the Portland, OR region. Liability insurance protects against damages, injuries, and accidents that occur to others while they are working for you or accessing your commercial property.
  • Cargo Insurance: These policies are recommended for businesses that transport materials, products, and goods to different locations.
  • Bobtail Policies: Bobtail insurance is ideal for trucks operated without trailers or commercial trucks to transport goods to and from locations.
  • Physical Damage Policies: These policies can protect people from accidents while providing comprehensive and collision coverage.

If you’re a business owner living in greater Portland, Oregon, and want to protect your business assets as much as possible, contact Choice One Insurance Inc. We will work with you to find the best commercial insurance policies to protect your assets and investments today.

Purchasing an In-Ground Pool? What You Need to Know About Specialty Contractor Insurance

Deciding to work with a contractor to upgrade your home is exciting but can also be nerve-wracking. Specialty contractor insurance is a type of insurance carried by your contractor (not you) to protect your contractor if something goes wrong while your contractor is working on your home. We’re proud to meet your insurance needs at Choice One Insurance Inc., serving Portland, OR. Let’s take a look at what you need to know about specialty contractor insurance. 

What is Specialty Contractor Insurance?

Contractors carry out this type of insurance. Professional liability insurance is one component of specialty contractors insurance (also known as errors and omissions insurance). If you sue your contractor for faulty work or fail to meet your expectations, specialty contractor insurance works to ensure that they can cover the costs and damages associated with your claim. 

Specialty contractor insurance can also cover the builder’s risk, which covers your home during construction. This type of coverage is important in the event of a fire or other unexpected damage to your property. 

If you’re getting ready to get quotes from contractors for property upgrades, it’s wise to ensure that the contractors you’re considering carry specialty contractor insurance. 

Choice One Insurance Inc., Serving Portland, OR

At Choice One Insurance Inc., we’re proud to serve the Portland, OR community. If you’re considering having work done on your home, it’s important that you make sure you’re protected and that you’re choosing a contractor with sufficient insurance coverage. Reach out to us or stop by our office today to get a quote and learn more about specialty contractor insurance. 

Occupational Accident vs. Workers’ Comp for Drivers

Understanding the differences between occupational accident insurance and workers’ compensation can be crucial for commercial drivers in Portland, OR, to ensure the right coverage. At Choice One Insurance Inc., we frequently guide drivers through these options to help them make informed decisions about their insurance needs.

Occupational Accident Insurance provides coverage for independent contractors and owner-operators who might not be eligible for Workers’ Compensation. This type of insurance is particularly relevant in Portland, where many drivers operate on a freelance basis. It covers medical expenses, loss of income, and accidental death and dismemberment, which are essential for drivers facing the daily risks of the road.

On the other hand, workers’ compensation is designed for employees rather than contractors. It offers broad coverage, including medical care, disability benefits, and rehabilitation costs associated with work-related injuries or illnesses. In Oregon, businesses with employees are generally required to carry Workers’ Compensation, making it a crucial consideration for any company employing full-time drivers.

Choice One Insurance Inc. in Portland, OR, understands that each driver’s situation is unique. That’s why we offer personalized consultations to discuss which type of coverage best fits your specific circumstances. Whether you’re an independent driver looking to safeguard against accidents or a business owner needing to comply with state laws, we have the expertise to help you navigate your options.

If you’re a driver in Portland, OR, and unsure about your insurance needs, don’t hesitate to contact us at Choice One Insurance Inc. Let us help you ensure that you have the proper protection on the road. Contact us today to learn more about how we can assist you with either Occupational Accident Insurance or Workers’ Compensation. We’re here to help you drive with peace of mind.

Commercial Insurance Products for Your Warehouse

Review some commercial insurance products that are designed for business owners. Then, select the coverage types you need to protect your warehouse adequately.

Liability Protection

Liability protection covers you against accidents that occur in your place of business. This type of protection also provides relief if a customer sues you after purchasing a product or service.

Flood Protection

Flood insurance covers water damage caused by a flood and the cost of repairing or replacing materials. This type of insurance coverage is optional. It benefits those who operate a business in a region prone to flooding.

Theft and Vandalism

Theft and vandalism protection will replace items that are stolen or destroyed. If any items are stored inside a warehouse, theft and vandalism protection should be considered seriously. It can prevent monetary loss, allowing a business owner to continue operations as normal.

The Inspection

Before you purchase commercial insurance products, have your warehouse inspected. The inspection will unveil any issues that may necessitate additional protection.

Use your inspection report to guide you in choosing how much insurance coverage to purchase. The inspection should be a professional one that a licensed individual performs. Keep a copy of the results that the inspector provides you with.

An Inventory

Take an inventory of the equipment, products, and other valuable items stored in your warehouse. The number of items you own will likely influence the amount of commercial insurance needed.

Contact Choice One Insurance Inc.

Contact a Choice One Insurance Inc. representative for all your commercial insurance needs. One of our agents serving Clackamas and Portland, OR, can assist with any commercial insurance questions or concerns that have been troubling you. 

Overcoming Supply Chain Risks: Why Portland Businesses Need Cargo Insurance

For businesses based in Portland, OR, cargo insurance is integral to their day-to-day activities. This is where Choice One Insurance Inc. steps in. We help local Portland businesses understand the importance of cargo insurance in their operations. Continue reading to discover more about the significance of cargo insurance for your business.

Consistent Provider Presence

In the event of any hitches, businesses need the reassurance that they are in capable hands and their insurance provider is readily available. With a cargo insurance policy, you’ll enjoy this peace of mind. Companies that don’t consider a provider’s consistent presence essential expose themselves to more challenging circumstances in the future.

Sufficient Coverage

If the cargo’s commercial invoice value is not covered, a business might have to bear the full value if issues arise. Is the policy under consideration littered with exclusions and caveats? If so, it might be a good idea to consider other options. The ideal policy should not only cover the apparent costs but also provide coverage for potential additional expenditures.

Limited Downtime

Businesses without cargo insurance are likely to encounter significant challenges when things go wrong. However, having a cargo insurance policy can speed up the claims process, allowing the business to remain operational. Without such a policy, businesses are left to navigate these complex situations alone.

If you have any more questions or concerns regarding a potential cargo insurance policy, the Choice One Insurance Inc. team is ready to assist. Portland, OR business owners are always welcome to give us a call or stop by our offices. We are ready to help whenever you’re ready to find out more.

Five Road Tested Insurance Strategies for Your Small Truck Delivery Fleet

Protect Your Small Truck Delivery Fleet in Portland, OR

Comprehensive coverage from Choice One Insurance Inc. can protect your fleet from collision-related accidents and non-collision-related events like theft, vandalism, and the aftermath left over from devastating natural disasters and powerful storms.  

#1. Get Comprehensive Coverage

The most foolproof way to protect your small truck delivery fleet from unexpected perils is to get comprehensive insurance coverage for small trucks and delivery vehicles.

#2. Implement Driver Training Programs

Implement driver training programs to help your drivers and employees reduce the number of collisions and mishaps that can happen along their delivery routes. 

#3. Develop Risk Management Protocols

Develop risk management protocols to add a layer of protection to your small truck delivery fleet. Protocols like route planning strategies to avoid high-risk areas, driver security measures, and monitoring local weather conditions can go a long way toward safeguarding your small truck fleet. 

#4. Update Policy Coverage 

Remember to revisit and update your policy coverage as your business scales and takes on new customers and employees. A trusted insurance agent can help you navigate the complexities of small truck delivery fleet insurance and choose the best options based on your current circumstances. 

#5. Protect Your Fleet with Advice from Trusted Professionals 

Please don’t wait until it’s too late to protect your small delivery fleet from unexpected perils. When in doubt – seek advice from trusted local insurance professionals – our team of insurance agents and experts can provide insurance advice and offer you a small truck delivery fleet insurance quote to help you get started. 

Contact the knowledgeable and friendly Choice One Insurance Inc. insurance agents in Portland, OR, to protect your small fleet today! 

Keep Your Construction Crew Protected: Insurance Guidelines

Commercial insurance coverage will protect your construction crew members from accidents, theft, and other damages that occur on a worksite. Learn about some types of commercial insurance. Afterward, contact one of our Choice One Insurance Inc. agents who serve Portland, OR.

Workers Compensation

Workers compensation provides cash benefits and medical care to employees who are injured on the job. This coverage takes effect after an insurance claim is filed and approved.

The financial relief and medical coverage a workers’ compensation policy offers will allow employees to maintain their household bills and receive adequate care during their recovery.

Personal Property

Personal property coverage protects against theft and vandalism. If an employee is responsible for furnishing their own tools and equipment during normal business hours, it is in a business owner’s best interest to provide adequate insurance coverage.

The employer should take note of all the possessions that each employee will be using. If any of the items are stolen or damaged while a construction crew is working, the employer should report the matter to their local police department. Then, they should file an insurance claim.

Safety Measures

A construction site should be accessible to any worker who will be doing services. Adequate lighting and surveillance equipment can be used to increase safety on a construction site.

Areas that are off-limits to a construction crew should be clearly marked. Each construction site where work will be conducted should be inspected individually. Then, safety measures should be used to prevent mishaps on the worksite.

Consult With Us

Contact our Portland, OR team at Choice One Insurance Inc. We will prepare an insurance policy that will provide your construction crew with adequate protection.

Understanding High Risk Occupations and Occupational Insurance

Occupational insurance in Portland, OR can provide employees and their employers with protection in case an injury occurs while on the job. This type of insurance is different from general life insurance or workers’ compensation. There are certain occupations that are categorized as more dangerous than others which will affect what type and how much occupational insurance a person or company may need to carry.

What Occupations Are Considered Dangerous?

There are many occupations that are at higher risk of accidents occurring or being involved in other types of dangerous situations. Some jobs, such as working as a police officer, may involve being subjected to violent situations. The following are several occupations that are normally considered high-risk.

  • Law Enforcement
  • First Responders
  • Construction Workers
  • Firefighters
  • Delivery Driving
  • Semi-truck Driving
  • Aviation Jobs
  • Military Personnel

What Types of Occupational Insurance are Available?

Occupational Accident insurance is available to cover both contractors and employees. It’s important to note that the state of Oregon does not require independent contractors to carry Workers’ Compensation coverage. Whether you have Worker’s Comp insurance or not, you may need to add occupational insurance to make sure you or any employees you may have are covered for any type of accident or incident that might occur while on the job. Some types of occupational insurance may also cover accidental death and provide benefits for survivors who are covered by the policy.

How Can Choice One Insurance Inc. Help?

When looking for insurance near Portland, OR, you’ll want to talk to Choice One Insurance Inc. Our team provides a variety of insurance options for different types of businesses. If you need occupational insurance, contact a representative at Choice One Insurance Inc. today for more information.

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