Oregon Commercial Insurance Brokers (Quotes, Cost & Coverage)

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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.

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Oregon Commercial Insurance Brokers

OR Commercial Insurance Brokers

Oregon Commercial Insurance Brokers. One of the critical factors to consider in business is insurance. Beyond meeting legal requirements, insurance comes in handy in case something happens to the business - like a lawsuit or product liability claim. Getting the right insurance company and terms may be quite a task, but luckily Oregon commercial insurance brokers can take away the hassle of shopping for business insurance, by connecting you to the best fit insurance company.

The question then is - How to the right insurance broker? Here are some steps to help you with this task.

Oregon commercial insurance brokers can help protect your business from lawsuits with rates as low as $27/mo. Get a fast quote and your certificate of insurance now.

Finding The Best OR Commercial Insurance Broker

1. Commercial Insurance Needs: Depending on the kind of business, you can narrow the number of potential Oregon commercial insurance brokers to those who can meet your insurance needs. An commercial broker who understands your kind of business is more to deliver you the right insurance company and negotiates better coverage than a general insurance agent.

2. Listing of Potential Commercial Insurance Brokers: When you know what type of insurance you are looking for, you can draft a list of the potential brokers. The internet is currently a great place to start to find licensed Oregon commercial insurance brokers. Referrals are even better because they tend to connect you to brokers who have a proven track record in your kind of business - from someone you may know.

3. Vetting The Brokers: Before you contact any brokers, do your homework. How well they can handle your insurance matters? Below are key things to look at:

  1. Knowledge and Experience: How well do they understand your kind of business? The OR commercial insurance broker may have listed your business type as one of the kinds they can deal with but have they had results, and are people who have used their services been satisfied?
  2. Quality of customer service: How responsive they are to clients will determine how best they can serve you. The right broker can go a long way in satisfying a client's wishes as opposed to putting their own first. Google reviews and other 3rd party websites might help your evaluation.
  3. Flexibility: There are a lot generic commercial insurance brokers, but few may be flexible enough to adjust to the demands of your growing business.

4. Meeting: When you have a small list of less than three remaining Oregon commercial insurance brokers, you can contact them and arrange a meeting either by phone or in person. While at the meeting you should observe the minor details which often reveal how they will handle your business if you hire them. How well they listen to you wants is a good indication.

5. Make Your Decision: After meeting brokers it's time to go over their premium quotes and decide which one you want. Going over coverages before picking your policy is important in avoiding any misunderstandings in the future.

OR Commercial Insurance Brokers

Attention to key details when choosing a commercial insurance broker can help you avoid issues with insurance companies that may arise in future. The right broker will help give you piece of mind for any risks your business faces. When these steps are followed, finding the a good broker should be easier ad this will allow you to focus your energy on growing your business.

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.

Made In Oregon

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 2018.

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 2018 include:

  • Financial Services
  • Lodging
  • Mining
  • Trade
  • Transportation
  • Utilities
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 Small Business Commercial Insurance Resources

Read informative articles on small business commercial insurance including costs and coverages.


Small Business Insurance Articles

Get useful tips and information about how much commercial insurance costs, small business risks and exposures, how insurance regulations effect your businesses' and detailed descriptions of coverages and exclusions and more. Most small businesses need to buy the following four types of insurance at a minimum to cover their operations from every day risks:

Property Insurance: This policy covers a business if the property used in the business is damaged or stolen as the result of common perils like fire or theft. Commercial property insurance covers the buildings, structures and also business personal property - which includes furniture, inventory, raw materials, machinery, computers and other items.

Liability Insurance: Any company can be sued. Slip-and fall lawsuits are very common and be costly. Customers can claim you injured them or damaged their property - and lawsuits are very expensive. Commercial liability insurance pays damages and can include attorney's fees and other legal expenses. It also ca pay for the medical bills of injured third parties

Commercial Auto Insurance: For vehicles owned by the business. Commercial auto insurance pays bodily injury or property damage costs for which the business is found liable - up the the policy limits for liability and property damage.

Workers Compensation Insurance: In almost every state employers must provide workers comp when there are W2 employees. Workers compensation pays for the medical care of employees and can replace a portion of lost wages - regardless of who was at fault for the injuries.


Request a free Oregon Commercial Insurance Brokers 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.


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Oregon Commercial Insurance Brokers
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