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Choice One Insurance, Inc

9111 SE St Helens St
Clackamas, OR 97015

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Protect Yourself on the Job With Occupational Accident Insurance

Both employers and employees have various ways of protecting themselves in the workplace. Workers’ compensation insurance is a popular way to do that, but there are others.

Another type of coverage that can help is occupational accident insurance. If you’re in the Portland, OR area, Choice One Insurance Inc. can help you find the right kind of coverage for the workplace.

That will give you the protection and peace of mind you need, for the long term.

Occupational Accident Insurance: What You Need To Know

When you have insurance for occupational accidents, it protects the employer by typically being a more comprehensive option. It also allows employers to increase or limit coverage for employees, so the level of coverage can more closely match what’s actually needed. Flexibility is another big reason that employers like this type of insurance. With options for temporary and permanent disability, survivor benefits, and accidental death, employers can make sound choices for coverage needs.

Employees are protected by this type of insurance through the flexibility that they offer. Because employers have options, employees can also make requests and discuss the value of specific coverage types. That’s a good way for employees to feel valued, and to make sure they’re choosing a company that fits their goals and meets their employment needs.

Contact Us Today

Reach out to us at Choice One Insurance Inc. today, if you’re in the Portland, OR area and looking for occupational accident insurance.

We can help make sure you have the right type and level of coverage, so you can focus on all the things that matter most. With peace of mind and quality coverage, you can stop worrying about insurance protection and get back to addressing company and workplace goals. That makes it easier to build out a team, help clients, and accomplish more, overall.

How Much Renters Insurance Should You Have?

It isn’t just homeowners who need insurance. Renters often experience the same hazards that homeowners do. And, while the landlord may have insurance to cover damage or destruction to the property itself, it will not cover the risks to the renter’s personal property. If there is a catastrophe, renters insurance can be a critical part of recovering from the disaster. The question is, how much renters insurance is enough? 

Coverage Specifics

The first step in finding the right amount of insurance starts with talking to an agent. For example, the insurance team at Choice One Insurance Inc. in Portland OR asks questions to help determine the right coverage plan. Knowing how to determine the value of one’s personal items, finding out if there are roommates, and considering the various hazards a particular renter may face are all parts of the equation.

TIP: Renters’ living situations vary, so there is no one-size-fits-all answer. Agents take stock of all the various factors and begin to put a plan together.

Coverage Considerations

Insurance agents recommend putting together a home inventory. This will entail making a video, or taking photographs, of the items the renter wishes to cover. In Portland, OR the agents at Choice One Insurance Inc. recommend listing belongings in groups, like hobbies, collections, art, etc. The renter should keep all original receipts in one place. Appraisal documents should also be saved as part of this record. Records should be maintained in a safe place, and a fire-proof box is a great option.

TIP: Keep the inventory current so it’s ready if it’s needed.

Contact Us Today

The right amount of insurance is found by working out the variables and coming up with a specific plan based on the individual factors of each renter. Give us a call at Choice One Insurance Inc in Portland, OR today for expert advice.

Benefits of Umbrella Coverage With an Inground Pool

In-ground pools are a common feature in Oregon homes, and for a good reason—they’re a lot of fun. But if you have one, you need to be aware of the potential liability risks. That’s where umbrella insurance comes in.

What is an Umbrella Insurance Policy in Portland, OR?

An umbrella policy provides liability coverage that goes above and beyond the limits of your homeowner’s or renter’s policy. For example, if you’re held liable for an accident that causes $100,000 in damages, and your homeowner’s policy limit are at $500,000, your umbrella policy would provide the additional coverage needed to pay the claim.

A Choice One Insurance Inc. agent can help you determine if you need an umbrella policy and how much coverage you need.

Why You Need Umbrella Coverage With an In-ground Pool

An in-ground pool can increase your liability risk for a few reasons. First, if someone suffers an injury while swimming in your pool, they may hold you responsible. Second, if your pool is accessible to neighborhood children, they may injure themselves while playing in it. Third, if an injury occurs from a fall on the pool deck, they could hold you liable.

An umbrella policy can provide the extra protection you need in these situations. It can also cover you if you’re sued for libel or slander or if an injury happens on your property.

How Much Coverage Do You Need?

The amount of coverage you need depends on a few factors, including the value of your assets and the size of your pool in Portland, OR. A Choice One Insurance Inc. agent can help you determine the amount of coverage you need. Contact us today to get started.

RV Insurance Guide

Choice One Insurance Inc. is an independent agency. We are committed to helping our clients obtain coverage to manage risks. We work with multiple carriers throughout Portland, OR. This enables us to provide flexible coverage options that adapt to our client’s needs. We look forward to helping you obtain coverage.

RV Insurance Guide

Many Portland, OR residents enjoy traveling around in their RVs. Operating a recreational vehicle is a high-risk endeavor. RV insurance covers you while you make plans for your next destination. The policy covers any damage to your vehicle if you are involved in a collision. All of your personal items on the RV are also covered if they are stolen or vandalized. Liability coverage protects you if you accidentally damage someone’s property or injure someone.

Any passengers that you are traveling with are covered if they suffer an injury. Comprehensive coverage protects your RV in multiple ways. If you are planning to go camping, you may have to deal with the elements. Comprehensive coverage protects you if your RV is damaged due to a natural disaster. You are also covered if your RV accidentally makes an impact with a deer or another type of animal.

If you have a travel trailer attached to your RV, you can amend your policy to add cover any damages to it. If your RV breaks down or suffers a dead battery, roadside assistance ensures that you will receive urgent coverage. During lengthy periods when you aren’t using your RV, you can add storage coverage. Storage coverage protects your RV from potential damages while you have it parked and aren’t using it.

Choice One Insurance Inc. Will Help You Protect Your Assets

Visit our website to learn more information about RV insurance.  

4 Questions to Ask an Independent Agent About Commercial Insurance

Do you operate your own business? If you already do, or you’re about to start up a company, it’s crucial that you get just the right insurance to meet your needs. It will benefit you to speak to an agent from Choice One Insurance Inc. of the Portland, OR area to get answers to your questions about commercial insurance. 

Should I Definitely Get Commercial Insurance? 

This is an important question because not all companies require insurance or need it at the same level. If you’ve got property, and you want to protect the value of this in the event of damage or loss, business insurance is ideal.

What Types of Commercial Insurance Should I Have? 

Liability coverage is one of the basic types of policy that you should consider. Other types that would be worthwhile for your business include workers’ compensation, property insurance, commercial auto insurance, and business interruption coverage. 

How Can You Lower Your Premiums? 

Talk to your agent about how you’d be able to lower your premium amount. If your company already makes an effort to reduce risks, such as following fire safety and installing a security system, you’d likely be eligible to get discounts. 

What Are the Policy Limits?

Nearly all policies are going to have limits to them. It’s best that you know beforehand and understands what all the amounts mean. You need to know what to expect, including what your deductible is going to be for your policy. 

Talk to an expert on commercial insurance at Choice One Insurance Inc. of the Portland, OR area. You’ll be grateful that you did when you see how much you can benefit from having a dedicated insurance agent on your side. 

4 Benefits Of Comprehensive Auto Insurance

Choice One Insurance Inc. serves the Portland, OR community and the surrounding areas. We have relationships with multiple carriers throughout the Pacific Midwest. We work with our clients to help them find policies that align with their present and future goals. As an independent agency, we are able to offer flexible coverage options. We look forward to serving you with honesty and integrity.

4 Benefits Of Comprehensive Auto Insurance

Auto insurance offers protection as you travel around Portland OR and beyond. Operating a vehicle comes with significant risks. One small accident can have major consequences. The policy covers your vehicle if you are involved in a collision. You are also covered in potential liability situations. Perhaps you take your eye off the road for a split second, and you collide with another vehicle causing damage. Liability coverage will handle the repairs and any issues regarding the injured party’s medical treatment. Comprehensive coverage provides multiple benefits.

Natural Disasters

If a severe storm moves through the area and damages your vehicle, comprehensive coverage protects you. This can give you peace of mind as you wait for your damaged window or windshield to be repaired.


In the unfortunate event that your vehicle is stolen or vandalized, comprehensive coverage will cover you. Comprehensive coverage also covers your vehicle if it is damaged due to a collision with an animal.

Emergency Assistance

If you are traveling on the road and your battery dies, emergency assistance takes over. You will receive urgent service to get you back on the road as soon as possible.

Rental Coverage

If your vehicle suffers extensive damage, you can add rental coverage. This allows you to drive another vehicle until the necessary repairs are made.

Choice One Insurance Inc. Will Help You Protect Your Assets

Visit our website to learn more information about auto insurance.

An Introduction to Renters’ Insurance

One of the wisest financial moves you can make is protecting your most valuable assets. As a general rule, this means investing in the appropriate insurance to protect your vehicle and home, but if you don’t own a home in Portland, OR, then this means your apartment or home and personal belongings. If you would like to learn more about renters’ insurance offered by Choice One Insurance Inc., keep reading.

Is Renters’ Insurance Necessary?

Renters’ insurance is not exactly mandatory unless your property manager or landlord requires it. This type of insurance coverage offers protection for your belongings, such as those inside your home or apartment. Any kind of insurance that your landlord has will cover the property itself as well as any damage that is incurred to the structure. Therefore, without any of your own coverage, your own personal items will be lost, and you’ll need to pay to replace them out of your own pocket.

How Does Renters’ Insurance Work?

There are two types of renters’ insurance policies that you can choose from, and the type of policy you choose will have a direct impact on the monthly premium that you pay.

The first one is known as replacement cost value. This policy will cover the cost of repairing the item or replacing it. So, if you have a three-year-old Apple iPad that suffers damage and you file an insurance claim for it, your insurance company will offer a replacement tablet with similar specifications as the tablet that was damaged.

The second type of policy is known as actual cash value. If you file a claim for the same tablet as above, this type of policy will provide you with the item’s current value but only after accounting for its depreciation.

What Does Renters’ Insurance Cover?

At a bare minimum, your renters’ insurance policy will cover your personal belongings, such as clothing, furniture, electronics, and jewelry, in the event that they suffer damage during a covered peril like a fire or vandalism. The majority of policies will also offer legal and medical protection.

If you are in need of renters’ insurance in Portland, OR, reach out to the team at Choice One Insurance Inc. for help in protecting your assets.

How RV Insurance Is Impacted By Traveling Abroad

Choice One Insurance Inc. serves the Portland, OR community. For over 10 years we have helped our clients find the coverage they need. We are an independent agency. We strive to serve our clients using trust, integrity, and professionalism. We have working relationships with multiple carriers across the Pacific Northwest. We look forward to helping you protect your assets.

How RV Insurance Is Impacted By Traveling Abroad

Many Portland, OR residents own an RV. If you are one of the many people who use an RV for relaxing vacations or as a full-time asset, consider the benefits of RV insurance. RV insurance protects your asset against unique risks. Weather in the Pacific Northwest can be unpredictable at times. RV insurance covers your vehicle if it suffers damage due to inclement weather or an accidental fire. RV insurance also covers you if your vehicle collides with another vehicle. Liability coverage protects you if you are ruled to be at fault for any property damage or bodily injuries. If a guest is injured while visiting your RV, their medical treatment is covered. All of your property inside the RV is covered if it’s vandalized or stolen. You can add extra protection to cover any special amenities added to the interior and exterior of your RV.

If you use your RV to take vacations, there are a few things to consider before heading out of the country. If you plan to travel abroad in your RV, you may have to alter your coverage. Traveling abroad may leave you exposed to unique risks. Contact the U.S. State Department before finalizing your travel plans to make sure that you are fully covered.

Choice One Insurance Inc. Will Help You Find The Right Policy

Visit our website to learn more information about RV insurance.

4 Benefits of Umbrella Insurance

Usually, a typical policyholder in Portland, OR, has auto and home insurance. But do you know you can benefit from other coverages like umbrella insurance from Choice One Insurance Inc.? Umbrella insurance is extra liability protection that comes into play when your conventional liability coverages run out.

Unfortunately, there are many misconceptions about umbrella insurance. One common misconception is that umbrella insurance is for the rich and famous only. The reality is that this notion is half-true. Umbrella insurance is suitable for anyone earning a livelihood, and investing in this coverage yields the below benefits:

Protects you against expensive lawsuits

In the world we live in, you can be sued for doing virtually nothing. And since lawsuits can be expensive, you need umbrella insurance to protect you when they come knocking on your doors. While lawsuits can plunge you into financial losses, umbrella insurance ensures that doesn’t happen.

Protects your assets

You may try to avoid accidents, but they will still happen. And when they happen, you could face significant claims that could claim your assets. Luckily, you don’t have to worry that someone will come for your hard-earned assets if you have umbrella insurance.

Worldwide protection

Unlike other liability coverages that only operate in the US, umbrella insurance can protect you anywhere in the world. This way, you don’t have to invest in extra coverage when traveling abroad – umbrella insurance got you covered.

It’s affordable

Most people fail to invest in umbrella insurance because they think it’s expensive. However, since umbrella insurance rides on other coverages, it’s surprisingly affordable. Umbrella insurance gives you high liability coverage at a very conservative price. Not convinced? Why don’t you get in touch with Choice One Insurance Inc.?

Invest in umbrella insurance today!

Are you shopping or renewing your umbrella insurance policy in Portland, OR? Would you please look no further than Choice One Insurance Inc. for affordable coverage?

Required Auto Insurance in Oregon

In Oregon, it’s required that you have auto insurance if you own a vehicle. The vehicle must be covered by several types of auto coverage that are all in your auto policy. If you need to protect your vehicle with insurance, call us today at Choice One Insurance Inc. in Portland, OR. Not having insurance can cost you steep fines, and it leaves you vulnerable financially. 

Bodily Injury Liability 

Oregon requires a specific minimum amount of coverage for one person who is injured in an accident. There is a second amount required for everyone in the accident who is injured. The amounts required by the state are on the low side among all the states. The lower amount that is required may not be enough to pay all of the medical bills that result from an accident. It’s often recommended that you add coverage to the minimums so that you are better protected. 

Property Damage

This coverage pays for the repairs or replacement of a vehicle that is damaged in an accident that is your fault. This amount is relatively low, however, and may not pay enough for an accident that happens with an expensive vehicle. It is also recommended to raise the amount of this coverage. 

Personal Injury Protection

Though Oregon is not a no-fault state, it does require you to have a specific amount of personal injury protection in your auto policy. This is a type of injury coverage that will pay for your injuries that are caused by an accident. With medical bills being so high, it is vital to have this protection in case of an accident.

Uninsured Motorist

The final type of required insurance is a set amount for a person who becomes injured in an accident and another amount that is for everyone who is injured. If someone else causes an accident with you, and they don’t have insurance, this coverage protects you. 

Get Your Auto Policy

If you need auto coverage, give us a call at Choice One Insurance Inc. in Portland, OR.

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