The transition into fall from summer can be a rocky one, especially if you live in a place like Canby, Oregon. The leaves begin to change, the weather starts to get cooler, and people start to turn off their air conditioning start to dress up for the incoming cold weather. What many homeowners both new and old may fail to realize is that the changing weather that is creeping up on them can do harm to their home and cost them an unfortunately high amount of money if they are not properly insured.

One issue is that as the weather gets colder, a lot of people do not check their doors and windows to make sure that your home is properly insulated to avoid damage from the cold weather. Another thing that homeowners should consider watching out for is that as the weather gets colder, so too does it get dryer, and dry weather can do some serious damage to your furniture. If you do not take the proper precautions to keep the cold weather out of your home, you may find your favorite sofa is put out of commission – and if you are uninsured, insult would be added to injury, as you would have to pay to have the furniture replaced out of pocket. Canby, Oregon residents should also make sure that their roofs are properly shingled and kept in good shape and that their gutters are in good shape as well; not only can a poorly maintained roof cause a house to have too cold of falls, it can make it more unsafe to clean our the gutters.

Insurance may assist you in avoiding serious consequences as a result of damage from the seasonal changes. Oliver Insurance can help you figure out exactly which insurance plan works best for your needs.

Trying to determine how much insurance your commercial business needs is challenging. You don’t want to be underinsured, or you won’t be fully covered in the event of a fire or break-in. You don’t want to be over insured, or you are paying for more insurance than you need. So how do you determine how much insurance your business needs? Here are a few factors to consider.

The Value of the Product or Merchandise You Have Stored in the Building

One of the first things to do is to determine what the value is of the product you normally store in the building. This is challenging as your inventory can go up and down, but get an average of how much you normally have on hand at any given time.

The Value of Your Business Property

Another factor to consider is how much your business property in the building amounts to. This includes computers, point of sale systems, fixtures, desks and other business property that makes your business function. In the event of an emergency, you will need to replace these items.

How Much Your Business Makes Each Day

The last factor to consider is how much money your business makes each day. If your normal day-to-day operations are interrupted or halted because of flood or fire, your commercial insurance will cover this daily loss if you are properly covered. Figuring out how much you average per day can help ensure you carry the right amount of insurance so you aren’t out any money if the unexpected happens.

If you are trying to figure out how much commercial insurance your business needs, or are looking for a new policy in the greater Canby, OR area, be sure to check out Oliver Insurance. We would love to help you determine how much insurance you need and draw up a new policy for that amount, ensuring your business is fully covered.

Well, that is exactly it – with umbrella insurance there are no exact absolutes. Of course, while the amount of covering protection is clearly outlined when the policy is being drawn, umbrella insurance only comes in to play when the underlying insurance policies payout on a claim has been exhausted.

Umbrella insurance is an added liability insurance that is an extension of your current personal, automobile, another vehicle, homeowners or commercial insurance policy. Today many people who find themselves in the position of the claimant are interested in suing the individual who may have harmed them in some way. Many times these lawsuits exceed the financial boundaries outlined in a common insurance policy. Where common insurance policies end is where the umbrella insurance begins. Many insurance claimants are seeking not only to sue the offending party but are seeking other culpable parties to pay damages for the incident that befell them.

Do I Need Umbrella Insurance?

When umbrella insurance was first introduced in the middle of the last century, it appeared that this type of insurance only seemed suitable for the wealthy. Who would want to sue someone who doesn’t have a lot of money? Unfortunately with a number of lawsuits ever-climbing, anyone can find a subpoena in the mail from a car accident to a trip and fall in front of your small business. Umbrella insurance acts as a buffer and could potentially avoid a claim against your real estate or personal bank accounts if monies were awarded in a liability suit.

Let the professionals at Oliver Insurance discuss with you how to best protect your family and business with umbrella insurance. Though it may be raining umbrella insurance can protect your assets from getting caught in the storm. 

The sun is out, there’s not a cloud in the sky and your bike is calling to you.  It is a perfect day for a ride down long roads.  However, even in the summer heat, you can take a spill.  Protect your body against serious injury, especially when it is tempting to shed some layers in an attempt to beat the heat.

Helmet

It is a no-brainer.  Your helmet is going to protect your brain in the case of the simplest motorcycle incident.  Kids on bicycles can receive serious injury when they are pedaling a couple miles an hour.  Your skull provides no protection against concussion or worse at 35 mph. Wear the helmet.

Leather Jacket with Armor

Your spine is the next most vulnerable part of your body.  A tank top or t-shirt is simply nothing more than a breath of air between your vertebra and the pavement.  A leather jacket with a spinal armor insert is going to take the brunt of the impact when you take a spill. Weigh the options: concrete invading your backbone or sweating it out under a good leather jacket.

Jeans

It would be wonderful to ditch the denim for a pair of cargo shorts on the ride to the beach.  While blue jeans are not the best option, they do a much better job at defending against road rash in the case of an accident. 

Boots

Your feet hit the pavement at every stop sign.  Give the toes the protection they need against flying pebbles when you hit the gas with your buds and invest in some decent boots.

Check with Oliver Insurance to make sure your bike is protected, too, when riding out on a hot, summer day.