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Purchasing commercial insurance policies for your business in Portland, OR does more than protect your company. Depending on your industry, you can choose from various specialized policies that safeguard against specific risks. These policies also benefit your employees and, ultimately, you, in ways you might not expect. Choice One Insurance Inc. can help you select the best commercial policies for your business operations.
Beyond Employee Group Health
Many people assume employee benefits only involve group health, dental, and life insurance, along with vacation and personal days. However, other types of insurance can benefit your employees, often in less obvious ways. One of the most straightforward examples is workers’ compensation insurance. Oregon requires businesses with one or more employees to carry a workers ‘ compensation policy. These policies cover medical expenses resulting from work-related injuries or illnesses. They also provide benefits for lost wages during recovery, compensation for disabilities, and financial support for families in the event of a work-related death.
Commercial auto insurance protects employees who drive company vehicles. It covers accident-related costs, including medical expenses, property damage, and potential legal fees, reducing the financial burden on employees.
Professional liability insurance, such as errors and omissions (E&O) coverage, protects employees from claims related to their professional actions. The specific type of liability policy you need depends on your industry.
Enhancing Your Company
When employees know they have these protections, they’re more likely to retain them and attract top talent to your organization. These safeguards enhance employee well-being, increase productivity, and boost morale. With reduced stress and anxiety, your employees can focus better, ultimately benefiting your company.
Discover how various commercial insurance lines can enhance your business. Contact the agents at Choice One Insurance Inc., serving Portland, OR, to get started on securing the right commercial insurance policies.