At Oliver Insurance we understand how hard our Canby, OR area clients work, and we are here to help you to protect your assets. If you are a high net worth individual, it is important to protect all of your hard work and shield yourself from damaging litigation. While your primary insurance policies can offer initial protection, what happens if damages exceed your amount of coverage? That’s where personal umbrella policies come into play, and we encourage our clients to add such a policy to their insurance portfolio.

The Types of Protection Provided by Personal Umbrella Policies

If someone is injured at your home or as a result of perceived neglect on your part, you can be compelled by the courts to pay damages. While most primary policies will cover such events, there are typically limits on each policy. To compensate for these limits, many people opt to also have an umbrella policy that will kick in once the primary policy is depleted. These policies can make the difference between protection and using your own personal assets to satisfy a claim against you. High net worth individuals can also become popular targets of such lawsuits due to their success and level of personal net worth. Do not let a frivolous lawsuit erase your years of hard work!

Contact Us Today to Learn More About How An Umbrellas Policy Can Help to Protect Your Assets

Don’t let all of your hard work be negatively affected by litigation damages, it is important to protect yourself! Adding a personal umbrella policy to your current insurance portfolio is an effective way to protect yourself. Contact Oliver Insurance today to schedule a consultation, or stop by our Canby, OR office to learn more.

One of the best ways to spend a nice summer day in Canby, OR is on your very own boat in one of the many nearby lakes and waterways. When you own a boat, it is very important that you keep it properly protected. One of the best ways to do this is by purchasing boat insurance. While it is not necessarily required by law, there are still several situations in which you may need to have boat insurance.

Boat Loan
The first situation in which you will want to have boat insurance is if you have a boat loan. When you take out a boat loan, the lender will want to make sure that they are covered in the event the boat is stolen or damaged. Because of this, your boat loan agreement will require that you carry both insurance as long as the loan is outstanding.

Local Requirements
The state of Oregon does not necessarily require that you carry boat insurance when you operate a boat. However, there are a number of local lakes and marinas that have specific requirements in place to make sure that you are covered by insurance. Generally speaking, these lights will require that you at least have some level of liability insurance coverage that will protect other people on the lake if you are at fault in an accident.

If you are a boat owner in the Canby, OR area, you should speak with Oliver Insurance to better understand your boat insurance needs. One of the main advantages of consulting with Oliver Insurance is that they will be able to review your particular situation and explain to you what type of boat insurance you should have. This will help to ensure that you have the appropriate level of coverage at all times. 

One of the best ways to spend a nice summer day in Canby, OR is on your very own boat in one of the many nearby lakes and waterways. When you own a boat, it is very important that you keep it properly protected. One of the best ways to do this is by purchasing boat insurance. While it is not necessarily required by law, there are still several situations in which you may need to have boat insurance.

Boat Loan
The first situation in which you will want to have boat insurance is if you have a boat loan. When you take out a boat loan, the lender will want to make sure that they are covered in the event the boat is stolen or damaged. Because of this, your boat loan agreement will require that you carry both insurance as long as the loan is outstanding.

Local Requirements
The state of Oregon does not necessarily require that you carry boat insurance when you operate a boat. However, there are a number of local lakes and marinas that have specific requirements in place to make sure that you are covered by insurance. Generally speaking, these lights will require that you at least have some level of liability insurance coverage that will protect other people on the lake if you are at fault in an accident.

If you are a boat owner in the Canby, OR area, you should speak with Oliver Insurance to better understand your boat insurance needs. One of the main advantages of consulting with Oliver Insurance is that they will be able to review your particular situation and explain to you what type of boat insurance you should have. This will help to ensure that you have the appropriate level of coverage at all times. 

Every business in Canby, OR, regardless of its size or operations, requires some form of commercial insurance. Commercial insurance helps a business to deal with risks such as fires, theft, or business interruption. To determine the kind of commercial insurance that is suitable for your business, get the help of an agency with experience in commercial insurance such as Oliver Insurance. They will help you customize a policy for your needs.

When You Can Claim Your Commercial Insurance

•You can claim your commercial liability insurance if your business is facing liability claims. The claims may arise if a third party is injured on your business premises, if their property is damaged or if your employees cause harm to third parties or destroy their property by accident. The insurance coverage may help to pay for the repair or replacement costs of their property, legal charges, lost wages, or pain and compensation. If your employees get injured at work or as a result of their work, you can claim your worker’s compensation insurance. It helps pay for medical fees, lost wages, and death benefits.

•If your business property is damaged due to insured risks, you may make a claim. Your business property could include; business inventory, machines and tools, furniture, and electronics. Your property insurance coverage compensates you for the cost of repair or replacement of your property.

•If your business loses its income because of business interruption, you can make a claim on your business interruption insurance. It helps compensates a business if its activity is interrupted by covered risks. It provides salaries for employees during the period that your business is not in operation, tax payments, rent, and profits that it would have made.

Contact Oliver Insurance on 503-266-2715 for your commercial insurance needs in Canby, OR.

Life insurance is designed to offer protection to surviving loved-ones in the event of your untimely passing. One of the most important questions that people have regarding life insurance, is when they should consider making a purchase. Once you have married, or have children, you should begin looking for life insurance options that fit your needs.

Making A Life Insurance Policy Purchase

As your family grows, you should be thinking of ways to protect them in the event you die. The most important way to offer them the protection they need in the event of a loss of income is to purchase life insurance. A life insurance policy will allow them to pay bills, pay for school, and any other recurring financial burdens in the years following your passing. Calculate how much money will be needed to support your loved ones for ten years after your passing to give you an idea of how much coverage you need to purchase.

Help Finding Life Insurance Products

Finding the right coverage is as important as purchasing the right amount of coverage. Use a reputable insurance provider such as Oliver Insurance serving the residents in and around the Canby, OR area. They can answer all of your questions and help you discover life insurance options that will fit your needs. Get the peace of mind you need to protect your loved ones in the future. 

If you live in or around the Canby, OR area and would like more information about life insurance coverage, call or stop by Oliver Insurance. One of their helpful representatives can begin assisting you with finding the right coverage options.