Owning a small business is not for the faint of heart with many people staking their livelihoods on the success of their company. Consequently, it is imperative that business owners protect their most important and likely largest investment by choosing a commercial insurance policy that best fits their needs and includes enough liability coverage to protect themselves against a worst-case scenario.
Specific to Oregon, business owners are required to carry commercial insurance to protect both their business, employees, and third parties. No matter whether you have full-time or part-time employees, you are required to have workers’ compensation insurance which helps pay the medical bills associated with an employee’s workplace injury or illness. Additionally, if your business owns any vehicles then you must have commercial auto insurance meeting at least Oregon state minimums for liability coverage. Although not required, if your employees utilize their personal vehicles for business use, then their auto insurance is unlikely to cover them while on the clock making it imperative that you purchase hired and non-owned auto insurance.
At Linda Dugan Insurance in Astoria, OR our friendly team of knowledgeable insurance experts will take the time to learn about your business so we can recommend a customized commercial insurance policy that exceeds your expectations. After hearing your needs, we can help make recommendations about additional policies like cyber liability insurance or malpractice coverage that may make sense for your business. Shopping for insurance does not have to be complicated and we strive to make it a simple process so give us a call today to learn about our commercial insurance policies and we promise to deliver exceptional service in a timely fashion.