Being protected while on the job through occupational accident insurance is important. Employers and employees in Portland, OR can benefit from the occupational accident insurance policies we offer at Choice One Insurance Inc.
The following are three important things to know about occupational accident insurance:
Occupational accident insurance combines aspects of workers’ compensation and long-term disability.
Unlike workers’ compensation insurance, occupational accident insurance is a private type of insurance that is not state-administered or required by law.
Occupational accident insurance covers expenses like lost wages and medical bills after a workplace accident. Occupational accident insurance can offer features such as permanent total disability coverage, a survivor’s benefit in the event of an accident resulting in death, and accidental dismemberment benefits.
Occupational accident insurance can benefit independent contractors in particular.
The biggest difference between occupational accident insurance and workers’ compensation insurance is that occupational accident insurance focuses in particular on protecting independent contractors.
Independent contractors often do not get workers’ compensation insurance coverage. Employers can purchase occupational accident insurance so that they can offer protection to their independent contractors.
Occupational accident insurance often offers the advantage of more flexibility than workers’ compensation insurance plans.
Occupational accident insurance tends to offer more flexibility since it is not state-administered. This gives employers the ability to devise policies that best cover the unique injury risks of their industries.
Employers have to make numerous choices about what types of coverage they want to include in their occupational accident insurance policy.
Reach Out To Us
We can help you explore your occupational accident insurance options in Portland, OR at Choice One Insurance Inc. Get in touch with us to learn about the policy options we provide. We can also offer you a quote on an occupational accident insurance policy.
Workers’ compensation insurance from Choice One Insurance Inc. is an important form of insurance coverage for employers. It helps protect employers in the Portland, OR area from financial losses in the event of an employee’s illness, injury, or death that occurs during the course of their employment.
Why Workers’ Compensation?
Workers’ compensation insurance covers a variety of medical costs associated with work-related injuries and illnesses, including medical bills, lost wages, rehabilitation costs, and more. In some cases, it also offers benefits to surviving family members if an employee is killed in a work-related accident or incident.
For employers, having workers’ compensation insurance provides peace of mind knowing that they are protected in the event of an employee’s injury or illness on the job. It also serves to encourage safe working conditions and practices within an organization as employers strive to avoid potentially costly workplace accidents and incidents.
For employees, it is a source of comfort to know that your employer cares enough about your well-being to carry it. You can go to work each day and do your best work, knowing that your family will be covered in case an accident occurs. Employees are much more likely to want to work for a company that carries workers’ compensation insurance and then stick with them, than one that doesn’t. In a time of labor shortages, this can be an effective recruiting and retention tool for talent.
Ultimately, workers’ compensation insurance safeguards both employees and employers alike by ensuring that any financial losses due to workplace injuries or illnesses are covered appropriately.
Reach Out To Us
If you have additional questions about your coverage, give us a call at Choice One Insurance Inc. today. We proudly serve the Portland, OR area.
There are many types of insurance products out there, and while you may be familiar with some of the most common types, there are likely some types that you have not heard of or are not all that familiar with. One of these types of insurance is cargo insurance. Here at Choice One Insurance Inc., serving the greater Portland, OR area, we are proud to offer cargo insurance to individuals and business owners.
What Is Cargo Insurance?
Cargo insurance is designed to insure the value of cargo that is being transported. By law, cargo transporters, such as those transporting cargo by train, plane, truck, or ship, are required to carry insurance for the loads they accept, but the type of insurance they have to carry usually only pays about $0.30 per pound of cargo. As such, if your items are stolen, damaged in an accident, or lost, you will only receive about $0.30 per pound for the items being shipped. Your items are likely more costly than this, so insuring the value of the cargo is important. This is exactly what cargo insurance is.
Who Can Benefit From Cargo Insurance?
Cargo insurance is typically purchased by one of two people. If you are moving and you have a cargo transporter moving your household goods, you can benefit from cargo insurance. Secondly, if you are a business owner who transports goods from one warehouse to another or ships large loads to distributors, you can benefit from cargo insurance.
Contact Us Today
If you are a business owner who ships large loads of cargo, or you are a homeowner who is shipping cargo due to a move, you may be looking to purchase cargo insurance. Here at Choice One Insurance Inc., serving the greater Portland, OR region, we can help you with all of your cargo insurance needs. Contact us today and let’s work together to get you the insurance coverage that you need.
Here at Choice One Insurance Inc., serving the greater Portland, OR area, one of the types of insurance that we offer is small truck/delivery insurance. This is a commercial insurance product that is designed primarily for business owners. If you own a small business, you may be wondering what the benefits of having this type of insurance are.
Here are some of the key benefits:
Small Truck/Delivery Insurance Protects the Truck
One of the benefits associated with small truck/delivery insurance is that it provides your company with the auto insurance it needs to meet state minimum insurance requirements, while also covering your truck against things such as an accident, vandalism, or being stolen. This is important, as your business could suffer if your truck is damaged and you don’t have the right insurance.
Small Truck/Delivery Insurance Covers the Items Being Stored or Delivered
Another benefit to small truck/delivery insurance is that it covers the items in your truck that are being stored or delivered. The items your truck is delivering may be costly, so if they are damaged in an accident or stolen, your business may be out a lot of money without this type of insurance product.
Small Truck/Delivery Insurance Protects Your Business Against Lawsuits
Lastly, small truck/delivery insurance helps to protect your business against lawsuits resulting from accidents with the small truck or during the course of delivery. Lawsuits can be devastating to small businesses, so being covered in the event of a lawsuit is a huge benefit.
Get The Right Coverage Today
There are numerous benefits associated with obtaining small truck/delivery insurance for your small business. If you are ready to learn more about this type of commercial insurance product or are looking to obtain a policy in the greater Portland, OR area, the agents at Choice One Insurance Inc. can help you. Call or email us now to start the process of obtaining your new insurance policy.
Anyone with a specific skill in a trade in the Portland, OR area will find that it could be a great place to start your own specialty contractor business. This area has a strong population base and a good economy, which opens a lot of opportunities to be successful. If you do start one of these businesses here, you will want to ensure that you have the right insurance.
A specialty contractor’s insurance plan here offers various forms of coverage:
Liability Risk Protection
No matter what type of contractor you are, there is always a chance you could make a mistake that results in damage. If this happens, you could be facing a liability claim or lawsuit. When you are insured with a specialty contractor’s insurance plan, it will give the coverage necessary in these cases. Not only will you have financial protection, but the insurance provider will offer support throughout the process so you can focus on your business.
Protection for Assets
As a contractor, you will rely heavily on your equipment, tools, and other assets. Unfortunately, there is always a risk these assets could be stolen or damaged. If you are insured with a specialty contractor’s insurance, you will have the support necessary to ensure you can replace these items in these situations.
Contact Us Today
If you are a contractor in the Portland, OR area, it would be a good idea to have a contractor’s insurance plan. When you are looking for specialty contractor insurance here, calling Choice One Insurance Inc. is a good idea. Choice One Insurance Inc. understands the importance and value of this coverage. The professionals will provide the guidance you need to evaluate your options and create an ideal plan. This will help ensure you and your business remain properly covered.
Commercial drivers are at a higher risk for occupational accidents than many other professions. As a result, they are often required to have occupational accident insurance to protect themselves and their families in the event of an accident. There are a few different things that can affect whether or not a commercial driver is eligible for this type of insurance. Consult with Choice One Insurance Inc. in Portland, OR for expert insurance advice.
Eligibility Requirements for Occupational Accident Insurance for Commercial Drivers:
1. The Driver Must Be Employed by a Company That Requires Insurance.
For a commercial driver to be eligible for occupational accident insurance, their employer must require it. This is typically done to protect the company from liability in the event of an accident.
2. The Driver Must Be Driving a Commercial Vehicle.
This type of insurance is designed specifically for accidents that occur while operating a commercial vehicle. As such, only drivers of these vehicles are eligible for the coverage.
3. The Driver Must Have a Valid License.
To be eligible for occupational accident insurance, the driver must have a valid commercial driver’s license. This is necessary to ensure that the driver is properly trained and qualified to operate the vehicle.
4. The Driver Must be a U.S. citizen.
This type of insurance is typically only available to drivers who are citizens of the United States. This is due to the fact that the coverage is regulated by federal law.
5. The Driver Must Meet the Minimum Age Requirement.
Most insurers require that drivers be at least 21 years of age to be eligible for occupational accident insurance. This is because younger drivers are considered to be riskier and therefore more likely to be involved in an accident.
6. The Driver Must Have a Clean Driving Record.
To qualify for this type of insurance, commercial drivers must have a clean driving record. This means that they should not have any accidents or violations on their record. Insurers typically check this by pulling the driver’s Motor Vehicle Report.
Contact Us Today
These are the eight eligibility requirements for occupational accident insurance for commercial drivers. If you meet all of these requirements, then you should be able to get this type of coverage. Contact Choice One Insurance Inc. in Portland, OR today to get started. We can help you find the right policy for your needs and budget.
Cargo insurance is also referred to as freight insurance. It is coverage to protect your loss and damage while your item is in transit. Choice One Insurance Inc. serves Portland, OR and the surrounding region with quality insurance services, and we are happy to answer any questions you may have about your insurance needs in all aspects of your life.
Why Do You Need Cargo Insurance?
The simple answer to why you need cargo insurance is for the protection of your assets and reputation. Anyone who is shipping something of value can protect their risk of loss with cargo insurance. If you run a company that relies on timely delivery of intact quality goods, then cargo insurance is practically priceless because your good name is on the line at the whim of all the things that can go awry in shipment.
The distance your shipment has to travel, the more often you ship, and the higher the value of your item all increase the need for quality cargo insurance. It is an add-on you can legally skip, but it is also affordable and easy to purchase, so why would you? Cargo insurance can be per shipment if you only occasionally ship precious cargo, or you can get an annual cargo insurance policy if you often ship similar items from your business.
Give Us A Call
Contact us at Choice One Insurance Inc. for more information about cargo insurance and any other insurance need you may have in the Portland, OR area. We love to support local business owners with the insurance policies needed to keep things running smoothly, even in stormy conditions.
If you have questions about how best to protect your Portland, OR area business, get in touch with Choice One Insurance, Inc. We are the commercial insurance specialists who are proud to serve our area. Contact our office today to schedule a consultation. We welcome the opportunity to work with you.
Are property insurance and commercial insurance the same thing?
Typically, commercial property insurance covers most risks like damage due to fire, theft, and natural disasters. The coverage is provided for building structures and equipment. This is a separate type of insurance from that provided by general liability policies. In most cases, companies will carry both of these types of insurance policies and possibly others too.
So, like so many other questions relating to insurance, the answer is a qualified yes. Basically, the two names are interchangeable, with most people saying commercial insurance or property insurance when they mean the same thing. Technically, commercial insurance can refer to many other types of coverage in addition to the property policies that are the most common.
When it comes to protecting a business or commercial venture, having the right insurance in place is the priority. Specialized coverage needs often call for specialized policies. It is also important to remember that it is highly unlikely to obtain all of the necessary insurance protection a company needs through just one commercial insurance policy.
Schedule an insurance consultation for your firm today
Choice One Insurance, Inc. is here for business owners and operators in the greater Portland, OR area. When you need your commercial insurance questions answered, we are here for you. Give our office a call today and set up an appointment to discuss the commercial insurance solutions that are available in our area.
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.
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?
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.
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.