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Choice One Insurance, Inc

8800 SE Sunnyside Rd, Ste 225-S
Clackamas, OR 97015

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Can Occupational Accident Insurance Provide Retroactive Coverage?

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Experiencing an accident or a major event and realizing that you don’t have insurance coverage for that event can be distressing. At Choice One Insurance Inc. in Portland, OR, we strive to ensure that our clients have all the coverage they need ahead of a potential accident or other problem. However, life is unpredictable; sometimes, we don’t know what we will need until we need it. If you’re facing a situation where you need occupational accident insurance but don’t have it until, after the fact, you might be wondering if you could get a policy that provides retroactive coverage. While we can’t provide specific answers to that question, we can give you some general ideas of what to expect if you try to get coverage retroactively.

Can Occupational Accident Insurance Provide Retroactive Coverage?

The short answer is, maybe. Every insurance policy is different, so there is a possibility that there might be an occupational accident insurance policy that covers retroactive expenses. Practically speaking, most insurance policies don’t provide retroactive coverage. The best way to find out if you could get retroactive occupational insurance coverage is by speaking with one of our qualified insurance professionals about your situation.

If you can’t get retroactive coverage, it’s not too late to pivot and get coverage for future occupational accident-related issues. Although we can’t change the past, we can do better in the future. Although it is difficult to deal with the consequences of not having insurance, it’s a good wake-up call that shows the importance of having coverage before you need it.

For more information, call our Choice One Insurance Inc. office in Portland, OR, today!

Which Businesses Need Cyber Insurance?

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If your business uses a computer system, you probably need cyber insurance. As the number of threats increases, more businesses get this type of insurance. Computer systems are highly vulnerable to a wide range of risks in today’s internet landscape. A business must be covered to protect it against these costly risks. To get started with a policy, call us at Choice One Insurance Inc. in Portland, OR.

Cyber Insurance and Its Importance in Modern Business

No matter what type of company it is, it will likely rely heavily on a computer system these days. These systems hold a lot of data needed to run your business. This can include data about your employees, customers, and financial situation. There are likely countless critical digital files, but all of them are at risk today.

Understanding the Risks in Business Operations

Doing business comes with a wide range of possible risks. A computer system is a prime target for many criminals who want to steal data from it or hold it for ransom. Simply wiping out the files could be devastating for a small business. What could be just as bad is if the data were stolen and leaked online. Cleaning up this could be expensive, but cyber insurance can cover those high costs. Without this insurance, your business is vulnerable to the aftermath of a cyber attack.

Get Cyber Insurance in Portland

When you have a business that uses computers, it’s always better to be well-protected for the sake of your business. To get started with a cyber insurance policy, call us at Choice One Insurance Inc. in Portland, OR.

What is Covered by Cargo Insurance?

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Coordinating transportation plans for shipments can be unpredictable. You want to choose a route least affected by extreme weather conditions, as failing to do so could result in missing a scheduled delivery deadline. The Choice One Insurance Inc. team in Portland, OR, can provide recommendations on the type of cargo insurance coverage that effectively benefits your business.

Defining Cargo Insurance’s Loading and Unloading Coverage

Loading and unloading coverage is a standard feature of most cargo insurance policies. Typically, it covers all damage or loss during the transfer from the transport vehicle to the loading dock. A forklift protects Your product from unexpected damage, such as dropping or crushing the goods. However, you are not covered if the damage was ruled to be caused by inherent product defects or improper packaging by your staff.

Cargo Insurance Coverage of Transportation Mishaps

Transportation mishaps with a company’s products happen all the time. Cargo insurance covers all damage or loss of your product caused by a natural disaster or on-road accident while en route to its final destination. Another policy option is protection from spoilage or contamination caused by sudden temperature changes in the truck’s storage refrigeration unit. This type of coverage is essential for businesses transporting fresh or frozen food nationwide. Having effective cargo insurance coverage creates a safety net for your business. It allows you to operate without delay. The coverage minimizes the financial impact of loss or product damage when a transportation mishap occurs.

If you plan to expand your business and sell your product nationwide, contact Choice One Insurance Inc. in Portland, OR. Our staff has the knowledge and experience to create a cargo insurance policy that protects your investment while in transit. Call and schedule an appointment today.

Differences Between Regular Commercial Insurance and Small Truck and Delivery Insurance

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Different types of businesses have different needs when it comes to commercial insurance. At Choice One Insurance Inc. in Portland, OR, we tailor commercial insurance to your unique needs. After all, there’s no one-size-fits-all commercial insurance policy that will suit every business owner. If you have a business that requires specific coverage, such as a delivery business with a small truck, keep reading to find out what insurance type might be right for you. For specialized information, please call our office.

What Does Regular Commercial Insurance Cover?

Standard commercial insurance policies may cover expenses related to business liability. Under qualifying circumstances, some policies may also cover the cost of replacing stolen equipment. Certain policies, such as commercial auto insurance, may cover a company car in ways that standard auto insurance would not.

What Does Small Truck and Delivery Insurance Cover?

Similar to commercial auto insurance, small truck and delivery insurance covers costs associated with liability for your small truck related to your business. This insurance can be a lifesaver for business owners who worry about protecting the wheels that drive their business and the greatest assets in their company. While every small truck and delivery insurance policy is different, you can usually expect some liability coverage up to a certain amount from this policy. For more detailed information, you should call our office and speak to one of our qualified professional insurance agents.

Contact Us

To learn more about small truck and delivery insurance and other policies we offer, call our office at Choice One Insurance Inc. in Portland, OR today!

Specialty Contractors Insurance – Protection for Your Workers, Materials, and Equipment

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Specialty contractors insurance provides coverage for a variety of trade services. Learn how this type of insurance can protect your workers, materials, and equipment used to perform job duties.

Specialty Insurance

Specialty insurance is a broad term that provides protection for many trades. A specialized contractor may rely on this type of coverage to protect them during each project they are hired for.

Specialty contractor’s insurance will protect a business of any size. Owners of small and large companies can customize an insurance plan that provides the exact amount of coverage needed.

Liability Coverage

Liability coverage is one type of specialty insurance that protects a contractor’s best interests. It protects against injuries and damage that may occur on a worksite.

The type of work you do should be considered. If you and your workers are exposed to dangerous conditions, acquiring a high amount of liability protection may be in your best interest.

Possession Coverage

Specialty insurance designed to cover possessions will prevent you from paying out-of-pocket costs for damaged equipment, tools, and materials. All the items used for contracting duties can be added to your specialty insurance policy.

  • Ladders
  • Toolboxes
  • Hand and power tools
  • Electrical equipment
  • Lumber
  • Insulation

This list highlights some of the items you can add to your specialty insurance policy. If items are stolen or damaged while a job is underway, your insurance coverage will pay to replace or repair them.

Contact a Representative of Choice One Insurance Inc.

Meet with one of our agents who serves Portland, OR. The agent will inquire about your contracting duties. Then, they will recommend specialty insurance products to you.

Commercial Drivers: Is Occupational Accident Insurance Necessary?

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If you’re considering whether you need occupational accident insurance for your company, it may be helpful to weigh the pros and cons. Occupational accident insurance provides financial protection in the event of an accident. Without it, there are significant financial risks, such as personal injury, property damage, and vehicle damage. Occupational accident insurance is always recommended, but an agent at Choice One Insurance Inc. in Portland, OR, can guide you through it if you’re unsure.

Why Does Occupational Accident Insurance Matter?

Occupational accident insurance plays a crucial role by providing three key coverages. First, it offers financial security in the event of an accident. This can include coverage for medical expenses, lost wages, vehicle damage, and more. Second, it can also provide comprehensive coverage for health insurance that may not be covered under a regular policy.

However, the main benefit is that it can give business owners and drivers peace of mind. Occupational accident insurance ensures that your drivers and company have enough coverage to cover all employed commercial drivers. This can help them rest assured that they are covered while driving long distances.

What Other Benefits Does Occupational Accident Insurance Provide?

The coverage also includes disability benefits and death benefits. In the rare case that a driver is killed or injured, they will be covered. Disability provides long-term coverage for drivers who find themselves in an accident. On the other hand, in the event of death, a driver’s family will be compensated.

Do You Need Occupational Accident Insurance?

If you’re a business owner who employs drivers, occupational accident insurance is recommended. If you are still unsure about whether you need coverage, speaking to an agent at Choice One Insurance Inc. in Portland, OR, can help. We’re waiting to hear from you.

Does Commercial Insurance Protect Your Business from Severe Storm Damage in Portland?

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Safeguard Your Portland Business from Weather-Related Perils

Portland is cherished for its fusion of natural beauty, local amenities, and connected cities. However, It is also susceptible to devastating and violent storms that can wreak havoc on local businesses.

Contact Choice One Insurance Inc. to learn how to efficiently protect your Portland business from weather-related challenges.

Commercial Insurance Protections for Portland, OR, Business Owners

Commercial insurance can play a critical role in safeguarding your business from the aftermath of devastating weather events such as:

  • Windstorms: High-velocity windstorms that blow through the city can cause significant property damage, uprooting trees and toppling power lines.
  • Hailstorms: Infrequent yet long-lasting hailstorms can swiftly cause damage, as falling ice dents business automobiles, breaks windows, and damages outdoor fixtures.
  • Flooding: This area experiences frequent bouts of heavy rainfall, which can lead to flooding in storage areas such as stock rooms, basements, and other low-lying areas.
  • Wildfires: Local business owners feel the scorching effects of wildfires when uncontrolled firestorms consume their property, inventory, or business vehicles.

An expert insurance agent can detail the advantages of comprehensive coverage and give professional advice on some of the following topics:

  • Building Damage
  • Property Damage
  • Contents Damage

Note: Provisions might also be made to help local business owners recover from shutdowns that lead to income loss and business interruptions that cause extra out-of-pocket costs.

Don’t delay until the inevitable happens; it is too late to protect your commercial business from theft, vandalism, liability claims, property damage, and natural disasters.

Contact the insurance agents at Choice One Insurance Inc. in Portland, OR, to learn about your best coverage options and get a commercial insurance quote today!

Cargo Insurance vs. Commercial Insurance

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For business owners who want coverage they can trust, our team of qualified insurance professionals at Choice One Insurance Inc. in Portland, OR, ensures that every aspect of your business is protected. From the equipment you use to carry out tasks related to producing goods and services to the freight you ship to partners and other businesses, we take covering your company seriously. If you’re not sure whether you should get commercial insurance, cargo insurance, or both, we can differentiate them below. For more specific information, you can always contact our office to discuss potential options with our team.

What Is Cargo Insurance?

Cargo insurance is a specialized kind of policy that covers your freight so you can be reimbursed if your cargo is stolen or lost during certain types of shipment. While every cargo insurance policy is different, you can rest assured that each cargo insurance policy is designed to cover some aspects of your cargo. Different types of cargo insurance cover different aspects of shipment, so you should ensure you have the right one for your business.

What Is Commercial Insurance?

Commercial insurance covers businesses in general. Some policies, like commercial auto insurance, cover vehicles for your business. Other types of commercial insurance, like worker’s compensation insurance, cover your employees and protect you from liability.

Differences Between Cargo Insurance and Commercial Insurance

The most obvious difference between cargo insurance and commercial insurance is the aspects of business they cover. Commercial insurance covers a broader range of business elements. Commercial insurance policies may also pair with umbrella insurance, while cargo insurance might not. It’s best to consult an agent at our agency for more specific details.

Contact Us Today

Call Choice One Insurance Inc. in Portland, OR to protect your business.

Choosing the Right Truck and Delivery Insurance for Your Business in Portland, Oregon

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Obtaining the proper commercial auto insurance policy for your truck and delivery businesses in Portland, OR is essential if you plan to operate your venture for many years to come. If you’re a business owner living in the Portland, Oregon region, choosing the right truck and delivery insurance becomes much easier with the assistance of a professional insurance agency, such as Choice One Insurance Inc.

Coverage Needs

You must consider your business’s size and type and the risk exposure based on your business activity. Legal requirements for transportation, employee vehicles, and commercial deliveries based on the industry and market you operate in should also be considered.

Types of Commercial Auto Insurance in Portland, OR

Common types of commercial auto insurance for those doing business in Portland, OR include:

  • Traditional Commercial Auto Insurance: This type of insurance covers general liability, medical bills, underinsured coverage needs, and many instances of collisions.
  • Liability: Commercial liability is also recommended for all business types operating in or around the Portland, OR region. Liability insurance protects against damages, injuries, and accidents that occur to others while they are working for you or accessing your commercial property.
  • Cargo Insurance: These policies are recommended for businesses that transport materials, products, and goods to different locations.
  • Bobtail Policies: Bobtail insurance is ideal for trucks operated without trailers or commercial trucks to transport goods to and from locations.
  • Physical Damage Policies: These policies can protect people from accidents while providing comprehensive and collision coverage.

If you’re a business owner living in greater Portland, Oregon, and want to protect your business assets as much as possible, contact Choice One Insurance Inc. We will work with you to find the best commercial insurance policies to protect your assets and investments today.

Purchasing an In-Ground Pool? What You Need to Know About Specialty Contractor Insurance

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Deciding to work with a contractor to upgrade your home is exciting but can also be nerve-wracking. Specialty contractor insurance is a type of insurance carried by your contractor (not you) to protect your contractor if something goes wrong while your contractor is working on your home. We’re proud to meet your insurance needs at Choice One Insurance Inc., serving Portland, OR. Let’s take a look at what you need to know about specialty contractor insurance. 

What is Specialty Contractor Insurance?

Contractors carry out this type of insurance. Professional liability insurance is one component of specialty contractors insurance (also known as errors and omissions insurance). If you sue your contractor for faulty work or fail to meet your expectations, specialty contractor insurance works to ensure that they can cover the costs and damages associated with your claim. 

Specialty contractor insurance can also cover the builder’s risk, which covers your home during construction. This type of coverage is important in the event of a fire or other unexpected damage to your property. 

If you’re getting ready to get quotes from contractors for property upgrades, it’s wise to ensure that the contractors you’re considering carry specialty contractor insurance. 

Choice One Insurance Inc., Serving Portland, OR

At Choice One Insurance Inc., we’re proud to serve the Portland, OR community. If you’re considering having work done on your home, it’s important that you make sure you’re protected and that you’re choosing a contractor with sufficient insurance coverage. Reach out to us or stop by our office today to get a quote and learn more about specialty contractor insurance. 

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