Auto Sales & Service

Auto Sales:

Our “All-Risk” physical damage auto dealer policies can be tailored to include:
Title Errors & Omissions
Odometer Liability
Truth in Lending Errors & Omissions
Product Deficiency Liability
False Pretense Coverage
Dealers Drive Away Collision Coverage

Auto Service & Parts:
We have a big appetite for all types of auto related businesses, including:

Auto Parts Stores, Automotive Dismantlers, Automotive Glass Repair
Body, Paint & Upholstery Shops, General Automotive Repair
Stereo & Alarm Installation, and Window Tinting & Graphics

Liquor Production & Sales

If you have a wonderful body, texture, richness & smoothness, then we want to talk to you. 

Wine
We understand that wine making is an art, and requires a delicate balance between crop selection, craftsmanship, and brand building. We will tailor a program for your winery that address exposures from planting/growing, harvesting, fermenting, bottling, to marketing, tasting & selling.

Beer & Spirits
We have expertise in addressing the insurance needs of boutique distilleries and breweries. We know that in Oregon small-scale distilleries are going to be the next locavore trend, and we want to help our customers with the right type of coverage to protect their investment, brand, and product liability exposure. 

• Commercial Liability
• Building Coverage
• Inventory Coverage
• Liquor Liability
• Business Income
• Trade Show
• Equipment Breakdown
• Workers’ Compensation
• Commercial Auto Coverage
• Tasting Room Coverage
• Special Event Coverage
• Leakage
• Transit Coverage

Contractors

Artisan Contractors

General Liability Insurance program for small contractors starting at $650/yr.
Contractors License Bonds starting at $73.00/yr*

Same day quotes, insurance & certificates.
All insurance companies rated A by AM Best.

Following trades are eligible:

Air Conditioning
Cabinet Refinishing
Carpentry-Residential
Carpentry-Handyman
Carpet Cleaning
Communication Equipment Installation
Concrete Construction & Flat Work
Drywall
Electrical
Excavation
Fence Work
Floor Covering
Grading
HVAC
Janitorial
Landscape
Masonry
Metal Work-Interior
Painting
Plaster & Stucco
Plumbing
Prefab Buildings
Septic Tank Installation
Sewer Mains
Siding & Gutter
Tile & Stone Work
Water Mains

This program is priced aggressively for small contractors. A small contractor is up to $200,000 in sub cost, $500,000 in payroll, and no more than $1.5 million in receipts. No service fees for Additional Insured Endorsements. New ventures welcome.
*Price based on Ultra Preferred tier of a $10,000 bond.

We also offer insurance programs and bonds for Commercial General Contractors.

Facts About Contractors General Liability

Employment Practices

A business owners single greatest risk of lawsuit is from present or past employees.

Such lawsuits can allege anything from discrimination to sexual harassment, and wrongful termination. The Employment Practices Liability Insurance (EPLI) policies we provide cover a wide spectrum of employment related claims, including claims by third parties (ex. customers), and punitive damages. This coverage can be bundled up with your business policy, or a stand-alone policy can be issued. We can usually provide you same-day quotes on these policies.

Gas Station & C-Store

Operating a gas station is not without risk. Thousands of gallons of flammable petroleum products create not only fire and explosion hazard, but also the potential of contamination due to tank leakage. Liquor sales, cash handling, 24-hour operation, servicing of vehicles, and potential of tank or equipment failure create unique exposures that must be adequately addressed.

We specialize in insuring small and large gas stations, and have learned a lot about this business since we insured our very first one in 1995. We understand insurance requirements imposed by banks, franchisors, and licensing and regulatory agencies, and have systems in place to help you comply with industry requisites.

Hotel & Motel

We have been insuring hotels and motels since 1995. We understand this business, and we know very well what it takes to compete in the hospitality insurance business. You can count on us for world-class coverage at very competitive prices.

We can address all needs of a hotel operator:

• Auto & Courtesy Vans
• Commercial Umbrella
• Employment Practices Liability
• Liquor and Dram Shop
• Multi-state Exposure
• Property & Casualty
• Workers Compensation

Discounts are available if you belong to a hospitality organization like AAHOA, or a franchise.

IT Professionals

We offer a very competitively priced product targeted at technology professionals with less than $500,000 in revenue and 3 or fewer consultants. The all-in-one policy has minimum premiums starting at $995 for BOTH Professional Liability and the Professional Office Package. Our MicroTek Pak is big coverage for small technology businesses.

Our MicroTek Pak is ideal for:

Business IT Consultants
Computer Repair & Custom Hardware
Internet Consultants
IT Support & Security
Web Designers

Specialty programs are available for larger firms.

Environmental Liability

Our agency will help you procure pollution liability insurance to protect your business.

We have several markets available that will insure your business against ground contamination claims and action by state regulatory agencies and affected third parties. Our policies will pay to clean up your site, and reimburse you for all related legal and professional fees.

Restaurant

We are the Go-TO place for restaurant insurance in the Pacific Northwest.

Our packages can be custom tailored to your needs, and include the following benefits:

• Non-Audited Policies. You pay based on your square footage, not your sales.
• Automatic coverage for seasonal increase in inventory
• Business Income Coverage for up to 18 months
• Contamination Shutdown Coverage
• Comprehensive Equipment Breakdown Coverage
• Employment Practices Liability Insurance

We understand that here in the Pacific Northwest eaterie come in all shapes and sizes. We are therefore prepared to insure the following:
Buffets
Delis
Cafés
Diners
Cafeterias
Drive-ins
Carry-out restaurants
Fast food
Coffee shops
Food bars
Food Carts
Fine dining restaurants
Family-style
Taverns
Sandwich shops

Workers Compensation

We offer Workers Compensation Insurance in several states including Oregon. 

We have a market to place difficult and high risk cases including clients with loss ratio problems. 

 Report Work Related Injury (Oregon 801) 

Other

• Sail Boats
• Outfitters & Guides
• Recreation & Sports

Healthy Kids

Oregon has a new health care program for children called Healthy Kids. Created by House Bill 2116 during the 2009 Legislative Session, Healthy Kids provides access to health coverage for all Oregon’s uninsured children age 18 and younger. Healthy Kids comprehensive health care coverage includes medical, dental, vision, mental health care, and prescription benefits.

Click the slide show above for more information ↑

Video About Healthy Kids Program

Clicking on the link above will take you away from our website.

Individual Health

We currently offer health insurance to individuals and families in Oregon and Clark County, Washington.
Plans from the two most respected carriers in the Pacific Northwest, Providence Health and Kaiser Permanente, are available.
JD Power & Associates has ranked Kaiser Permanente highest among health plans in Northwest region for member satisfaction.

In light of the new Federal Health Reform, insurance plans that are affordable and can meet your specific needs can only be tailored after finding out more about you, your family or your organization. Therefore we request that you write to us or call us.

Group Health

We offer Group Health Insurance through Kaiser Permanente and Providence Health Plans.

In light of the new Federal Health Reform, insurance plans that are affordable and can meet your specific needs can only be tailored after finding out more about you, your family or your organization. Therefore we request that you write to us or call us.

Disability Insurance

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