PRF Insurance

PRF Insurance

Pasture, Rangeland, and Forage Insurance, also known as PRF, is designed to help protect a producer’s operation from the risk of forage loss due to the lack of precipitation. Pasture, Rangeland, and Forage Insurance, PRF Insurance, is a policy that’s designed for ranchers! It’s subsidized, rated well, and covers exactly what causes sleepless nights! How […]

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Pasture Rangeland Forage (PRF) Insurance Program

How does Pasture Rangeland and Forage (PRF) Insurance Program insure against lack of precipitation? Pasture, Rangeland, and Forage (PRF) Insurance Program in California, Oregon, and Nevada offers livestock producers risk protection for losses of forage produced for grazing or harvested for hay.  The products are made to function in many range and pasture environments. They […]

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How do I reduce my workers compensation insurance costs?

How do I reduce my workers compensation Insurance? When a company’s workers compensation costs start to rise, this is indicative of workplace caused injury or illness. That’s when Execs start looking at ways to reduce costs and spending for their insurance policies. One way to do this is to have a sound safety program in […]

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How do I control the effects of smoke taint in my wine?

What is the effect that wildfire smoke has on the taste of wine? After the gnarly wildfires we have experienced through OR, WA, and CA this summer, it is important to understand how the smoke may affect the taste of your wine! We’ll explain the make up of smoke taint and how to best avoid […]

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What is Liability Insurance in Oregon?

Liability Insurance is purchased by consumers to protect themselves against their own negligent acts towards others that  result in bodily injury or property damage. A person may be determined liable to another because of an act that damages a person or property of another, referred to as a “tort”. A tort is a civil wrong that violates the rights of another. A tort could be done on purpose, or unintentional. 

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Earthquake insurance- Oregon- What does it cover? Do I need it?

Earthquake Insurance Oregon – According to research, most earthquakes in Oregon are relatively small, however, they still produce damage! We all “think” the big ones will hit along the coast of Oregon, but, the last earthquake recorded deaths were in Klamath Falls and over the last few years, there have been several recorded in Eastern Oregon

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Day Care Coverage Endorsement for Homeowners in Oregon

Did you know that homeowners coverage forms specifically exclude coverage for bodily injury or property damage arising out of or in connection with a business conducted from an insured location or engaged in by an insured person. This endorsement extends coverage to a Registered or Certified Day Care Provider in Oregon, who operates a Home Day Care business at their premises, for compensation.

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Do I need Inland Marine Coverage in Oregon? What is Inland Marine?

 Over the years, the National Association of Insurance Commissioners has changed the definition to Marine Insurance with parts of it such as: Inland Marine, Ocean Marine, and Transportation. There are six categories of risk identified in the definition of Marine Insurance: Exports, Imports, Instrumentalities of Transportation and Communication, Domestic Shipments, Commercial Property Floater Risks, and Personal Property Floater Risks.

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