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Most Popular Coverages in Oregon

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A home insurance policy is designed to cover against many of the hazards property owners in Oregon are likely to face. Whether property has been lost or damaged due to a severe storm, a house fire, or a rash of burglaries, having a suitable homeowners insurance policy in Oregon can bring the peace of mind that comes from knowing that the policy can absorb financial losses. These policies typically include dwelling insurance, contents insurance, liability, and loss of use insurance.

Accidents can happen in the blink of an eye. If a policyholder is involved in a collision, or a non-collision incident such as car theft, car insurance provides collision and comprehensive insurance, liability, personal injury protection, bodily injury liability insurance, and uninsured motorist coverage.

Business insurance in Oregon will pay for damage to a building - this is called commercial property insurance. Business insurance will also pay for damage to business property - this is referred to as business personal property insurance. General liability covers damage to someone else's property as well as any medical bills. Oregon businesses can also be covered with commercial vehicle and worker's compensation insurance, which protect work vehicles and employees.

Worker's compensation insurance in Oregon, also called workman's comp, is designed to cover medical treatment for injuries and illnesses suffered on the job. It also covers lost wages for employees who need to take time off to recuperate, future medical costs for illnesses and injuries that require long-term care, disability, and lost wages for significant injuries that render the employee unable to work.

On the low end, restaurant insurance in Oregon can cost as little as $10,000 annually. But it's best to keep in mind that $10,000 in annual coverage is only good for something like a corner hotdog stand. It has virtually no property, little to no risk, and only a handful of employees. Premiums will be much higher for things like large dine-in restaurants and those with multiple locations and a lot of staff. 

A commercial auto insurance policy is a set of insurance policies put together to protect business owners from some of the most common risks associated with the use of company-owned vehicles. Commercial auto insurance in Oregon can include the following coverages: bodily injury, personal injury, collision and comprehensive coverage, and medical payments. There may be other options available depending on the type of business. Insurance companies offer policies tailored to the specific needs of businesses.

Whether they're checking out the state's natural beauty or Portland's self-proclaimed "weirdness,"  tons of visitors to Oregon need lodging each year. But in order to help guests rest easy, hotel owners need to consider the unique risks of their location. The most common hotel insurance claims in Oregon include earthquake damage, fire, liability, data breaches, and business interruption.

Umbrella insurance in Oregon works to extend and expand the existing liability coverage from homeowners and auto insurance policies to protect the policyholder, their home, and their future earnings and assets if someone sues them. This extra insurance raises coverage limits and covers the types of claims that homeowners liability cannot cover such as false arrest, certain types of dog bites, libel, and slander.

If a tenant rents a home in Oregon, having insurance protection for themselves and their possessions is still important. Similar to home insurance, renters insurance protects them in situations that anyone might face: fire, theft, water damage, and other unforeseen circumstances not covered by the property owner's landlord policy.

If an individual's life is cut short because of illness or an accident, a suitable life insurance policy can ensure financial safety for their family. That way, their dependents can continue to maintain their standard of living, both immediately after they pass away and well into the future.

Oregon resident who are still young and healthy probably don't see a pressing need for life insurance. But it is during this time that life insurance policies can be purchased at their most affordable rates. If people wait until they are much older or after they have been diagnosed with a serious disease, they are likely to find that a good policy is unaffordable. This is why, when it comes to life insurance, procrastination is never a good idea.

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