Mobile CallClick to Call
Choice One Insurance, Inc

9111 SE St Helens St
Clackamas, OR 97015

Map IconGet Directions
  • Arrow Icon
    Icon Auto Motor Carrier
  • Arrow Icon
    Icon Home Owner-Operator
  • Arrow Icon
    Icon Commercial Contractor
  • Arrow Icon
    Icon Life Personal
  • Choice One Insurance, Inc Blog
  • Contact Choice One Insurance, Inc
  • Make A Payment

What is the benefit of getting cargo insurance for my business?

The shipping and transportation industry is a very important one that has a lot of presence in the Portland, OR area. If you are in this industry, finding ways to protect the organization is very important. One of the best ways to do this is by getting a cargo insurance plan.

There are various benefits that come with getting this type of coverage here:

Financial Protection for Cargo

One of the key benefits that will come with getting a cargo insurance plan is that it can offer financial protection. When you choose to purchase a cargo insurance plan, it will protect the cargo that is being stored or transported. This way, if you are a victim of theft, vandalism, fire, or another risk, having cargo coverage will be helpful as it will ensure you can replace these assets. This could save a lot of money and protect your organization moving forward.

Comply with Requirements

If you store cargo during the shipping and transportation process, you may be required to carry cargo insurance. It is common for your clients and other interested parties to require you to have cargo coverage as it ultimately provides them with some coverage and protection as well. When you continue to carry a full cargo plan, it will keep you in compliance with such obligations.

We Can Help

If you own any type of shipping or transportation business in the Portland, OR area, having a quality cargo insurance plan continues to be critical. As you are looking to build one of these policies here, it can be a great idea to call our team at Choice One Insurance Inc. At Choice One Insurance Inc. we understand the value of this coverage, and we can help you build your next policy. 

Does Small Truck and Delivery Insurance Cover Inventory or Cargo?

You’ll need a small truck and delivery insurance policy if you have a delivery business and use a small truck for daily business tasks. Anyone in Portland, OR interested in learning more about their insurance options should contact the experts at Choice One Insurance Inc. We are ready to help you get the coverage you need. 

Small Truck and Delivery Insurance Coverage

Small truck and delivery insurance protects businesses that deliver items to customers as part of their business processes. This insurance protects the truck and driver in addition to the cargo carried by the truck. It’s crucial to protect your business interests completely. That’s why any business using a small truck to get products from one location to another for a business transaction or delivery needs to secure this protection. 

Our insurance agents are professionals who desire to determine which policy options are the best for your needs. They take the time to listen intently and review the information you provide about your service and industry. They use those details to match you with options that offer the best coverage without potential gaps that can create a loss. 

Let us show you how we can make selecting the right insurance streamlined. We assist with policy selection, purchases, changes, and claims submission. 

Reach Out Today 

If you would like to learn more about small truck and delivery insurance or any other quality insurance products we provide, call or stop by the office of Choice One Insurance Inc. to schedule a consultation. Our team is ready to assist you by providing information and answers to your questions. We proudly serve the residents in and around the Portland, OR area by providing exceptional customer service and insurance. 

5 Tips For Finding the Right Special Contractors Insurance

Do you work as a special contractor in Portland, OR? Do you need unique commercial liability protection? If so, you should strongly consider acquiring special contractors insurance from a provider like Choice One Insurance Inc. Since you may not know where and how to begin your search, we’re offering 5 tips for finding the right special contractors insurance.

Finding the Right Special Contractors Insurance

Identify Your Coverage Needs

Start by identifying your specific coverage needs. Your needs may vary depending on the nature of your business. Consider the types of risks and liabilities that you face as a special contractor and choose coverage options that address those risks.

Research Different Insurance Providers

Take the time to research different insurance providers and compare their coverage options, premiums, and customer reviews. Look for providers that specialize in insurance for special contractors and have a strong reputation in the industry.

Choose a Comprehensive Policy

Make sure your insurance policy is comprehensive and includes coverage for all potential risks and liabilities, such as bodily injury, property damage, and errors and omissions. Consider the level of coverage you need based on the size of your business and the scope of your operations.

Consider Additional Coverage Options

In addition to general liability coverage, consider adding extra coverage options, such as professional liability or cyber liability insurance, depending on the specific risks your business faces.

Work With an Experienced Insurance Agent

Consider working with an experienced insurance agent who can help you navigate the complex world of insurance and find the coverage options that best suit your business. An agent can also help you understand the terms and conditions of your policy and assist you in the event of a claim.

Are you looking for special contractors insurance?

Does your business operate in the Portland, OR area? If so, be sure to reach out to us at Choice One Insurance Inc. today for more information!

Three important things to know about occupational accident insurance

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. 

What is workers compensation insurance?

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. 

What Is Cargo Insurance and Who Can It Benefit?

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. 

The Benefits of Small Truck/Delivery Insurance For Your Small Business

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. 

How Can Specialty Contractors Insurance Protect my Business?

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. 

Who Is Eligible For Occupational Accident Insurance For Commercial Drivers?

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.

What Is Cargo Insurance, and Why Do You Need it?

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. 

Latest news and articles