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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Oregon Business Owner’s Policy- What losses are covered?

A Business Owners Policy in Oregon has many parts to it! We’ve discussed some of those items in our other blogs. At Ferranti-Graybeal, we have the expertise among our staff to help make purchasing insurance a seamless process! The insurance company will pay for the loss or damage to covered property caused by one (or more) of the following causes of loss in Oregon: Fire, Lightning, Windstorm and Hail – This does not include damage due to frost or cold weather, ice (other than hail), snow, or sleet, whether the wind caused it or not. Also, doesn’t cover loss of or damage to awnings or canopies of fabric or slat construction, including their supports, outside of the building. Lastly, also excluded is the loss or damage to the interior of the building or personal property inside of the building; unless the wind or hail first damages the building and creates its own opening into the building….

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