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Business Insurance

Having the proper business insurance coverage at an affordable rate can make the difference between the success and failure of your business. Allow our commercial insurance experts to help guide you to success.

What is Business Insurance?

Business insurance protects your investment by minimizing financial risks associated with unexpected events such as a death of a partner, an injured employee, a lawsuit, or a natural disaster.

Business Insurance is a broad name for different coverages available to the business owner to protect against losses and to insure the continuing operation of the business.

Major Types of Business Insurance

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General Liability Insurance

A standard insurance policy issued to business organizations to protect them against liability claims for bodily injury and property damage arising out of premises, operations, products, and completed operations; and advertising and personal injury liability.

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Commercial Auto Insurance

Covers cars, trucks, motorcycles, and other road vehicles owned by or operated within a business. Its primary use is to provide financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise therefrom. Commercial auto insurance may also offer financial protection against theft of the vehicle and possibly damage to the vehicle, sustained from events other than traffic collisions.

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Commercial Property Insurance

Covers risk of loss to an organization’s buildings or personal property. Usually includes buildings, personal property of the insured business or business owner, personal property of others on site and in the insured’s possession. Coverage can be provided on an all risk or specific perils basis.

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Commercial Umbrella Insurance

Commercial Umbrella insurance is liability coverage that is in excess of specified other commercial insurance policies and also potentially primary insurance for losses not covered by the other policies. When an insured business is liable to someone, the insured’s primary insurance policies pay up to their limits and any additional amount is paid by the umbrella policy (up to the coverage limit of the umbrella policy).

Professional Liability Insurance

Professional Liability Insurance, more commonly known as errors and omissions (E&O insurance), is a special type of coverage that protects your company against claims that a professional service you provided caused your client to suffer financial harm due to mistakes on your part (errors) or because you failed to perform some service (omissions).

Business Owner's Package

A Business Owner’s Package (often called a BOP) is an insurance policy that combines protection from all major property and liability risks in one package. It typically combines all the basic coverages required by a business owner into one bundle. It is usually sold at a premium that is less than the total cost of the individual coverages. Business Owners Policies usually target small and medium-sized businesses and typically contain business interruption insurance, which provides reimbursement for up to a year of lost revenue resulting from an insured property loss.

Worker's Compensation

Workers’ compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee’s right to sue his or her employer for the tort of negligence.

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Group Health Insurance

Group health insurance coverage is a policy that is purchased by an employer and is offered to eligible employees of the company (and often to the employees’ family members) as a benefit of working for that company. A group health insurance plan is a major part of many employee benefits packages that employers provide for their employees.

Group Life Insurance

Group life insurance (also known as wholesale life insurance or institutional life insurance) is term insurance covering a group of people, usually employees of a company, members of a union or association, or members of a pension or superannuation fund. Individual proof of insurability is not normally a consideration in the underwriting. Rather, the underwriter considers the size, turnover, and financial strength of the group

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Group Disability Insurance

Group Disability Insurance is a type of group insurance that provides regular income replacement payments to an insured member of the group in the event of an eligible disability resulting from illness or injury. Coverage is generally offered in two types: short-term disability (STD) or long-term disability (LTD)

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Supplemental Insurance

Supplemental insurance is extra or additional insurance that you can purchase to help you pay for services and out-of-pocket expenses that your regular insurance does not cover..

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Clatskanie Branch

Address: 225 E Columbia River Hwy,
Clatskanie, OR 97016
Phone: (503) 728-4391
Toll Free Phone: (877) 362-4391
Hours: 8:00AM-5:00PM
Mailing Address: P.O. Box 777, Clatskanie OR 97016

Scappoose Branch

Address: 52381 S Columbia River Hwy,
Scappoose, OR 97056
(Inside Wauna FCU)

Phone: (503) 543-5636
Hours: 9:00AM-5:30PM

Mailing Address: P.O. Box 777, Clatskanie OR 97016 

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