Frequently Asked Questions About
Commercial General Liability Insurance
How much does commercial insurance cost?
Costs can vary widely based on industry and are also determined by zip code and often payroll and/or gross sales. Request a free quote to get an exact number.
What kind of business insurance do I need?
Most business owners need General Liability Insurance at the very least. If you have any non-owner employees, you will need workers compensation insurance too.
What is a Certificate of Insurance?
A Certificate of Insurance is proof of coverage. It lists the type and amount of liability coverage you have and other policy information when a third party requests it.
Is business insurance tax deductible?
Yes. you can deduct the cost of commercial insurance premiums. The IRS considers insurance a cost of doing business as long it benefits the business & serves a business purpose.
Diet Nutrition Services Insurance Oregon
Diet Nutrition Services Insurance Oregon As a dietitian or nutritionist, you are an expert in food, nutrition, and how to maintain health through proper eating. From dispensing dietary advice to planning meals, your patients rely on your guidance to develop good eating habits and reach their health goals. Your assessment and counsel can help patients manage nutrition-related diseases or deficiencies and prevent them altogether.
With wellness at the heart of your job, it may seem quite unlikely that you would be sued for the professional guidance you provide. Sadly, in an age where people are quick to sue, you can be. Whether you're self-employed or work in a hospital, nursing home, health club or food-related corporation, the best safeguard against a claim or allegation stemming from your professional services is your own diet nutrition services insurance Oregon policy.
Diet nutrition services insurance Oregon protects your firm from lawsuits with rates as low as $27/mo. Get a fast quote and your certificate of insurance now.
How Can Diet Nutrition Services Insurance Protect You?
Your insurance can be tailored to fit the industry specific risks you face. To make it more convenient for you, a custom diet nutrition services insurance Oregon package can be put together to protect both you and your business.
Key Exposures For Dietitians And Nutritionists
- Copyright and trademark infringement.
- Negligence in providing support services.
- Failure in developing appropriate programs and services.
- Negligence in counseling clients.
- Wrong advice given to clients.
- Negligence in rehabilitation of clients.
- Negligence in training clients how to deal with daily activities.
Important Coverages For Dietitians And Nutritionists
Your diet nutrition services insurance Oregon policy should include some or all of these coverages:
Professional Liability Insurance: Coverage for wrong advice or negligent mistakes while performing your services. This includes:
- Legal Expenses - Coverage for complaints such as professional misconduct or sexual abuse filed with regulatory boards.
- Criminal Defense Costs Reimbursement - Covers you for court cases filed under the criminal code. You will be reimbursed provided you are not found guilty of the criminal charges.
Also, if a client complains about you to a state licensing board, you could face the challenge of defending your practice and license - and thousands of dollars in legal fees. This diet nutrition services insurance Oregon policy will reimburse you for your defense of disciplinary charges arising out of the incident.
Your diet nutrition services insurance Oregon policy will also reimburse you for lost wages and covered expenses incurred when attending a trial, hearing, or proceeding as a defendant in a covered claim.
General Liability Insurance: If one of your patients trips and falls in your office and breaks a wrist when catching him or herself, you could be sued for the cost of medical bills. Commercial general liability will provide funds for the legal costs associated with defending your business, including attorney's fees, docket costs, and any settlements or judgments you're found to be liable for.
OR Dietitian or nutritionists that rent or lease and commercial location may also need general liability insurance in order to meet lease requirements with their landlord.
Workers' Compensation Insurance: This diet nutrition services insurance Oregon policy protects you against claims from employees for your legal liability for any death, disease or injury sustained during the course of their employment and it is a legal requirement for the majority of employers. When you have workers comp as part of your business's overall risk management plan, you have an added layer of security against the risks outside your realm of control.
OR workers comp can provide the necessary funds to cover immediate medical attention, such as a visit to the ER, if an employee is injured at work. This coverage can also compensate your employee for the foregone income they would have earned while they recover.
OR Diet Nutrition Services Insurance
As OR diet/nutrition services provider, you work hard in your career and the care and treatment of your patients. A disciplinary action or malpractice lawsuit can have unforeseen consequences on both your career and financial future. Chances are your employer may offer insurance coverage, but there are oftentimes limitations and you are not fully protected. Having your own diet nutrition services insurance Oregon policy is the best way to incorporate personal risk management and peace of mind.
Oregon Business Economic Outlook & Commercial Insurance Regulations
If you are thinking about doing business in the Pacific Northwest, you might have your sights set on Oregon. However, before you set up shop, it's important for you to have an understanding of the economy - so that you can make the best decisions possible. It's also important for you to know what type of business insurance policies you are legally required to carry in order to do business in OR.
In order to help set you up for success, below, we highlight some of key information regarding the economy in Oregon, as well as the regulations regarding commercial insurance.
The Economic Outlook In Oregon
In 2018, Oregon is projected to see an increase in their economy. The unemployment rate was 4.1 percent at the end of 2017, and it is expected that it will either stay the same or drop even lower by the end of 2019.
There are several industries that are expected to contribute to the job market and the economy overall in the state of Oregon. The industry that is expected to see the most gain in this state during the 2018 calendar year is construction, with an increase of 10.5 percent. The manufacturing industry is also expected to see significant growth, with a forecasted increase of 4.3 percent. Other industries that are expected to see growth in OR in 2019 include:
- Financial Services
Insurance Requirements For Oregon Businesses
The Division of Financial Regulation oversees the insurance industry in Oregon. Here workers compensation insurance is mandated. If you employ one or more person, whether that person is full-time or part-time, or is hourly or salaried, you are legally required to carry this type of coverage. Additionally, you must carry commercial auto insurance if you operate vehicle for any business-related purposes, whether it's meeting with clients, making deliveries, or transporting goods.
While commercial general liability insurance is not required in OR, it is highly recommended. This type of coverage will protect you from any lawsuits and the accompanying settlements that may arise in the event that some slips and falls, or claims that you damaged their property. You should also consider investing in commercial property insurance, as it can help to offset the cost of any property losses that you might experience.
Additional Resources For Health & Beauty Insurance
Learn about small business health and beauty insurance coverages that help protect tattoo artists, salons, spas, estheticians, cosmetologists, barbers, hairdressers, nail salons and more from legal liability.
- Barber Hair Dresser
- Beauty Salon
- Day Spa
- Diet Nutrition Services
- Massage Therapy
- Medical Spa
- Nail Salon
- Permanent Cosmetics And Microblading
- Personal Trainer
- Tanning Salon
- Weight Loss Center
The health and beauty industries help people look good and feel great about their appearance and health. Some of the most popular are:
Cosmetologists - typically can help people with hair styling, cosmetics, and manicures and pedicures.
Estheticians - are trained to work with clients to treat skin care issues.
Hair Dressers & Barbers - offer a variety of services such as; hair cuts, styling, perms, hair dying and highlighting.
Health Club - Gyms, fitness centers, and health clubs focus on promoting healthy lifestyles and active living.
Massage Therapy, Reiki & amp; Acupuncture - can help relieve stress and improve your clients health. Work can be done in a salon, medical office, or home based. Also in your client's homes.
Permanent Makeup & Microblading - Offers coverage for permanent cosmetics, pigment removal and lightening, lasers/IPLs, and needling/MCA.
Salons - Similar to spas, salons are offer customers beauty treatments, services and products.
Spas - Have more exposures for the risks of faulty equipment, products, or unskilled employees that can injure customers.
Tattoo - Tattoo parlor and body-piercing coverage is designed to address the specific risks of artists and their studio.
Yoga & Pilates - forms of exercise designed to improve mind, body and spiritual wellness.
Request a free Diet Nutrition Services Insurance Oregon quote in Albany, Ashland, Astoria, Aumsville, Baker, Bandon, Beaverton, Bend, Boardman, Brookings, Burns, Canby, Carlton, Central Point, Coos Bay, Coquille, Cornelius, Corvallis, Cottage Grove, Creswell, Dallas, Damascus, Dayton, Dundee, Eagle Point, Estacada, Eugene, Fairview, Florence, Forest Grove, Gervais, Gladstone, Gold Beach, Grants Pass, Gresham, Happy Valley, Harrisburg, Hermiston, Hillsboro, Hood River, Hubbard, Independence, Jacksonville, Jefferson, Junction, Keizer, King, Klamath Falls, La Grande, Lafayette, Lake Oswego, Lakeview town, Lebanon, Lincoln, Madras, McMinnville, Medford, Milton-Freewater, Milwaukie, Molalla, Monmouth, Mount Angel, Myrtle Creek, Myrtle Point, Newberg, Newport, North Bend, Nyssa, Oakridge, Ontario, Oregon, Pendleton, Philomath, Phoenix, Portland, Prineville, Redmond, Reedsport, Rogue River, Roseburg, Salem, Sandy, Scappoose, Seaside, Shady Cove, Sheridan, Sherwood, Silverton, Sisters, Springfield, St. Helens, Stanfield, Stayton, Sublimity, Sutherlin, Sweet Home, Talent, The Dalles, Tigard, Tillamook, Toledo, Troutdale, Tualatin, Umatilla, Union, Veneta, Vernonia, Waldport, Warrenton, West Linn, Willamina, Wilsonville, Winston, Wood Village, Woodburn and all other cities in OR - The Beaver State.
Quotes from leading small business insurance carriers including: ACE, AmTrust, Chubb, Cincinnati, CNA, Colony, Employers, Evanston, Fireman's, Foremost, Guard, Hanover, Hiscox, Liberty Mutual, LLoyd's of London, Markel, MSA, Nationwide, Penn America, Philadelphia, Prime, Progressive, Scottsdale, The Hartford, Travelers, USLI, Utica First, Western World, Zurich & others.