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Choice One Insurance, Inc

9111 SE St Helens St
Clackamas, OR 97015

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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.

Why Your Business Needs Workers’ Compensation Insurance

When you have a business that employs anyone, it’s important to have the coverage of a workers’ compensation insurance policy. These policies are helpful both for you as a business owner and for the employee who works for you. No matter what the number of employees you have is, you’re safer with a workers’ comp policy. Even if this policy wasn’t so helpful, it’s also required for your business by the state. Oregon requires this coverage for any business with any employees, even if they are part-time. 

Protecting Your Business

If one of your employees were to have an accident while at work that included injuries, the result could be some very expensive medical bills. The same is true when an employee comes down with a work-related illness. In either of these cases, your business would likely be liable for paying all of the bills that come as a result of the accident or illness. That’s where workers’ comp insurance comes in. It pays for the medical bills and can even pay for the disability benefits to the employee in cases of serious injuries. A small business in Portland, OR without this coverage could face serious problems if they had to pay huge medical bills. 

Protecting Your Employees

Your employees also benefit from your business having this insurance. With this coverage, they will know that if an accident were to happen, they would be covered. The funds would be made available to pay for the medical bills, treatments, etc. This can give them peace of mind, especially when the business is a small one. This can take away some of their worry so that they perform better. 

Choice One Insurance Inc. Is Here To Help

When your business needs a workers’ comp or other commercial policy, contact us at Choice One Insurance Inc. in Portland, OR to get started. 

When Does it Make Sense to Buy Cargo Insurance?

Have you ever shipped something across the country and wanted to ensure the protection of that valuable? If so, cargo insurance is the product you need to be considering. Working with our team at Choice One Insurance Inc. we are here to help you understand the cargo insurance product. We can assist folks in Portland, OR or anywhere else in the United States. Whether it is education for consideration of cargo insurance or to buy the product outright, you need to know what it is, the coverage you need, and more.

Understanding Cargo Insurance

Cargo insurance provides a lot of value in the event that you are doing shipment of a variety of different products. Think about cargo insurance as protection for shipments. When you are shipping something valuable, cargo insurance is going to protect you from loss, damage, or theft while that item is in transit.

When shipping, cargo insurance starts with coming up with the value of those items. What is it that you are shipping and what is the value of it? Can it easily be replaced and if so what is the replacement cost? What would it cost you to replace it if it was stolen, damaged, or lost? Cargo insurance has limits in place to provide you with that give you these various protections.

Considering Cargo Insurance? Talk to Professionals!

Our team of professionals at Choice One Insurance Inc. is in a position to help you understand the value of cargo insurance. What it can help you with in regard to giving peace of mind when shipping items any distance. We are here to assist you whether shipping to or from Portland, OR and abroad, so consider cargo insurance whenever the need exists.

All You Need to Know About Small Truck and Delivery Insurance

Small trucks and other delivery vehicles play a significant role in the business world. However, with their crucial role and function comes the need for proper insurance. Choice One Insurance Inc. in Portland, OR is here to help. 

What Should You Know About Small Truck and Delivery Insurance?

  • Coverage types. There are several types of coverage available. They include liability coverage (bodily injury and property damage coverage), cargo insurance (covering goods you are transporting), physical damage coverage (coverage of repairs and replacement of your truck), and uninsured/underinsured motorist coverage (if you are involved in an accident, in which a driver does not have adequate insurance). 
  • Factors affecting the cost of insurance. There are certain factors that determine the cost of your small truck and delivery insurance. They are the size and type of vehicle, driving record, cargo value, and some others. 
  • Shopping and comparing. When you are shopping for this type of insurance, it is important not to settle for the first quote you receive. Shopping around and combating different insurance options will help you find the perfect policy. 

Schedule A Consultation Today

Are you from Portland, OR any other nearby town in Oregon? Are you shopping for small truck and delivery insurance? Choice One Insurance Inc. is here to assist. We are experts in different types of insurance, including small truck and delivery insurance. Do not hesitate to contact us if you want to know more about insurance options or need help in finding the perfect insurance plan. 

How Specialty Contractors Insurance Can Safeguard Your Building Projects

There’s no shortage of pitfalls that can suddenly derail your contracting projects and cost you or your client thousands in out-of-pocket expenses. 

Get Specialty Contractor’s Insurance

Without the proper insurance, contractors and stakeholders may be held financially responsible for property damages and other general liabilities that cause project delays or physical injuries on a construction site. Experienced contractors who know that building projects have their fair share of risks and rewards protect their building projects with the best contractor’s insurance. 

The specialty contractor insurance specialists at Choice One Insurance Inc. in Portland, OR can answer your questions about getting a specialty contracting insurance policy and offer you a free quote! 

Why You Need Specialty Contractor Insurance 

Unexpected mishaps can put a financial damper on your building projects that can last for an unspecified period.  Building professionals who invest in insurance are protected from project-related perils like natural disasters or accidents on the job explicitly tailored to your trade. Specialty contractor insurance offers a safeguard to cushion the financial blow of mishaps for project managers and stakeholders. 

Specialty Insurance Coverage

Having customized insurance means that you don’t waste coverage. Specialty contractor insurance policies are designed to cover specific risks related to your projects. 

Financial Loss Protection

Specialty insurance can protect project stakeholders when accidents happen on the job site. Financial loss protections include property protection, bodily injury protection, and general liability coverage. 

Project Continuity

Avoid increased delays, work stoppage, and project setbacks when your specialty insurance policy has provisions for project continuity. 

Construction-based businesses of all sizes can benefit from adding specialty contractor insurance to their financial toolbelts. 

Schedule A Consultation Today!

Don’t wait until the unexpected happens. Talk to our licensed insurance professionals at Choice One Insurance Inc. and get a quote in Portland, OR today!

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