Do you work as a special contractor in Portland, OR? Do you need unique commercial liability protection? If so, you should strongly consider acquiring special contractors insurance from a provider like Choice One Insurance Inc. Since you may not know where and how to begin your search, we’re offering 5 tips for finding the right special contractors insurance.

Finding the Right Special Contractors Insurance

Identify Your Coverage Needs

Start by identifying your specific coverage needs. Your needs may vary depending on the nature of your business. Consider the types of risks and liabilities that you face as a special contractor and choose coverage options that address those risks.

Research Different Insurance Providers

Take the time to research different insurance providers and compare their coverage options, premiums, and customer reviews. Look for providers that specialize in insurance for special contractors and have a strong reputation in the industry.

Choose a Comprehensive Policy

Make sure your insurance policy is comprehensive and includes coverage for all potential risks and liabilities, such as bodily injury, property damage, and errors and omissions. Consider the level of coverage you need based on the size of your business and the scope of your operations.

Consider Additional Coverage Options

In addition to general liability coverage, consider adding extra coverage options, such as professional liability or cyber liability insurance, depending on the specific risks your business faces.

Work With an Experienced Insurance Agent

Consider working with an experienced insurance agent who can help you navigate the complex world of insurance and find the coverage options that best suit your business. An agent can also help you understand the terms and conditions of your policy and assist you in the event of a claim.

Are you looking for special contractors insurance?

Does your business operate in the Portland, OR area? If so, be sure to reach out to us at Choice One Insurance Inc. today for more information!

There are many types of insurance products out there, and while you may be familiar with some of the most common types, there are likely some types that you have not heard of or are not all that familiar with. One of these types of insurance is cargo insurance. Here at Choice One Insurance Inc., serving the greater Portland, OR area, we are proud to offer cargo insurance to individuals and business owners. 

What Is Cargo Insurance? 

Cargo insurance is designed to insure the value of cargo that is being transported. By law, cargo transporters, such as those transporting cargo by train, plane, truck, or ship, are required to carry insurance for the loads they accept, but the type of insurance they have to carry usually only pays about $0.30 per pound of cargo. As such, if your items are stolen, damaged in an accident, or lost, you will only receive about $0.30 per pound for the items being shipped. Your items are likely more costly than this, so insuring the value of the cargo is important. This is exactly what cargo insurance is. 

Who Can Benefit From Cargo Insurance? 

Cargo insurance is typically purchased by one of two people. If you are moving and you have a cargo transporter moving your household goods, you can benefit from cargo insurance. Secondly, if you are a business owner who transports goods from one warehouse to another or ships large loads to distributors, you can benefit from cargo insurance. 

Contact Us Today

If you are a business owner who ships large loads of cargo, or you are a homeowner who is shipping cargo due to a move, you may be looking to purchase cargo insurance. Here at Choice One Insurance Inc., serving the greater Portland, OR region, we can help you with all of your cargo insurance needs. Contact us today and let’s work together to get you the insurance coverage that you need. 

Here at Choice One Insurance Inc., serving the greater Portland, OR area, one of the types of insurance that we offer is small truck/delivery insurance. This is a commercial insurance product that is designed primarily for business owners. If you own a small business, you may be wondering what the benefits of having this type of insurance are.

Here are some of the key benefits:

Small Truck/Delivery Insurance Protects the Truck

One of the benefits associated with small truck/delivery insurance is that it provides your company with the auto insurance it needs to meet state minimum insurance requirements, while also covering your truck against things such as an accident, vandalism, or being stolen. This is important, as your business could suffer if your truck is damaged and you don’t have the right insurance. 

Small Truck/Delivery Insurance Covers the Items Being Stored or Delivered 

Another benefit to small truck/delivery insurance is that it covers the items in your truck that are being stored or delivered. The items your truck is delivering may be costly, so if they are damaged in an accident or stolen, your business may be out a lot of money without this type of insurance product. 

Small Truck/Delivery Insurance Protects Your Business Against Lawsuits

Lastly, small truck/delivery insurance helps to protect your business against lawsuits resulting from accidents with the small truck or during the course of delivery. Lawsuits can be devastating to small businesses, so being covered in the event of a lawsuit is a huge benefit. 

Get The Right Coverage Today

There are numerous benefits associated with obtaining small truck/delivery insurance for your small business. If you are ready to learn more about this type of commercial insurance product or are looking to obtain a policy in the greater Portland, OR area, the agents at Choice One Insurance Inc. can help you. Call or email us now to start the process of obtaining your new insurance policy. 

Anyone with a specific skill in a trade in the Portland, OR area will find that it could be a great place to start your own specialty contractor business. This area has a strong population base and a good economy, which opens a lot of opportunities to be successful. If you do start one of these businesses here, you will want to ensure that you have the right insurance.

A specialty contractor’s insurance plan here offers various forms of coverage:

Liability Risk Protection

No matter what type of contractor you are, there is always a chance you could make a mistake that results in damage. If this happens, you could be facing a liability claim or lawsuit. When you are insured with a specialty contractor’s insurance plan, it will give the coverage necessary in these cases. Not only will you have financial protection, but the insurance provider will offer support throughout the process so you can focus on your business. 

Protection for Assets

As a contractor, you will rely heavily on your equipment, tools, and other assets. Unfortunately, there is always a risk these assets could be stolen or damaged. If you are insured with a specialty contractor’s insurance, you will have the support necessary to ensure you can replace these items in these situations. 

Contact Us Today

If you are a contractor in the Portland, OR area, it would be a good idea to have a contractor’s insurance plan. When you are looking for specialty contractor insurance here, calling Choice One Insurance Inc. is a good idea. Choice One Insurance Inc. understands the importance and value of this coverage. The professionals will provide the guidance you need to evaluate your options and create an ideal plan. This will help ensure you and your business remain properly covered. 

Cargo insurance is also referred to as freight insurance. It is coverage to protect your loss and damage while your item is in transit. Choice One Insurance Inc. serves Portland, OR and the surrounding region with quality insurance services, and we are happy to answer any questions you may have about your insurance needs in all aspects of your life.

Why Do You Need Cargo Insurance?

The simple answer to why you need cargo insurance is for the protection of your assets and reputation. Anyone who is shipping something of value can protect their risk of loss with cargo insurance. If you run a company that relies on timely delivery of intact quality goods, then cargo insurance is practically priceless because your good name is on the line at the whim of all the things that can go awry in shipment. 

The distance your shipment has to travel, the more often you ship, and the higher the value of your item all increase the need for quality cargo insurance. It is an add-on you can legally skip, but it is also affordable and easy to purchase, so why would you? Cargo insurance can be per shipment if you only occasionally ship precious cargo, or you can get an annual cargo insurance policy if you often ship similar items from your business. 

Give Us A Call

Contact us at Choice One Insurance Inc. for more information about cargo insurance and any other insurance need you may have in the Portland, OR area. We love to support local business owners with the insurance policies needed to keep things running smoothly, even in stormy conditions.