What benefits are offered from Oregon Workers Compensation Insurance?

What are the benefits that a Workers Comp Policy offers to the covered individuals in Oregon?  Workers compensation insurance was created to protect companies from being sued by injured employees. The benefits of Oregon Workers Compensation are offered to an injured employee. However, the employee must have been injured on the job due to job related activities. Also, they are covered if they succumb to illness that is job related in its cause.

Read More

Do I Need Workers Comp Insurance in Oregon?

Workers Compensation Insurance in Oregon- what is it? Why was it created? Workers Compensation was developed to make sure workers are protected on the job, from illness or injury- as long as the illness/injury was caused due to work related activities while at work. Because these laws were developed, an employee cannot sue their employer that has Workers Comp Insurance. Why? Because the insurance will pay out according to a schedule mandated by the law. 

Read More

Commercial Auto Oregon- What kind of damage is covered?

Comprehensive coverage in Oregon covers anything that is not specifically excluded from the policy, except a collision with another object or overturned vehicle. Also, if the insured carries coverage for glass breakage under Comprehensive they will be covered if they hit an animal, or if they experience damage due to a falling object or missile. One thing to consider- if the glass breaks due to a collision, it may be covered under Collision Coverage. 

Read More

Do I have Liability coverage for my business auto policy here in Oregon?

Commercial Auto Insurance Liability – what’s covered, what’s not…Liability has to do with bodily injury and property damage. Just think of an accident, where someone gets hurt and there is damage to the vehicle. Liability literally means: the state of being responsible for something, especially by law. So, we are referring to someone being named at fault for an accident/damage that results in someone getting hurt (bodily injury) or property damage (dented vehicle). 

Read More

Commercial Auto Insurance – What Autos are Covered?

Commercial Auto Insurance has five different sections: Covered Autos, Liability Coverage(s), Physical Damage Coverage(s), Conditions, and Definitions. You will find these all inside your policy agreement. This type of policy can be written as a stand-alone policy or included in Commercial Package Policy.  Today, we will be discussing Section I- Covered Autos.

Read More

Oregon Farm Insurance: Additional items not covered

Today’s article on Farm Insurance, we will look at what’s specifically excluded from the Special Cause of Loss Form.  This form is what is known as Open Peril (Insurance geek talk). This means it covers everything that is NOT listed in the exclusions. So…you guessed it….there are quite a few exclusions!!

Read More

Oregon Farm Insurance Exclusions (things that are not covered)….

Farm Insurance has many moving parts. We will break those parts down into bite size chunks for you to consume. Today, the topic of exclusions for the loss forms will be discussed. We’ll show you what is NOT covered, or is excluded, from the three different forms of loss for Farm Insurance. It’s as important to know what’s NOT covered, than what is!

Read More