Restaurant Insurance Coverages

1. General Liability Insurance: This coverage protects the restaurant against claims of bodily injury or property damage that occur on the premises.
2. Property Insurance: This coverage protects the restaurant's building and contents, such as furniture, equipment, and inventory, against damage or loss caused by events like fire, theft, or natural disasters.
3. Business Interruption Insurance: This coverage provides financial protection if the restaurant is forced to close temporarily due to a covered event, such as a fire or natural disaster.
4. Food Contamination Insurance: This coverage protects the restaurant against losses due to food contamination, such as from bacteria or chemical contamination.
5. Workers' Compensation Insurance: This coverage provides benefits to employees who are injured or become ill as a result of their job duties.
6. Umbrella Insurance: This coverage provides extra liability protection for the restaurant beyond the limits of the general liability policy.
7. Cyber Liability Insurance: This coverage protects against losses from a data breach, such as loss of sensitive information like credit card numbers and personal information.
8. Auto Insurance: This coverage protects the restaurant against losses from accidents involving company-owned vehicles.

Natural Disasters in Oregon with Property Damage

Natural disasters, such as earthquakes, wildfires, and storms, can cause significant property damage in Oregon. In recent years, the state has experienced a number of devastating natural disasters that have resulted in billions of dollars in damages.

One of the most destructive natural disasters to hit Oregon in recent years was the 2020 wildfire season. This year saw the largest wildfire in the state's history, the Beachie Creek Fire, which burned over 190,000 acres and destroyed over 1,000 homes. The wildfire season as a whole resulted in over 1.4 million acres burned, making it the worst wildfire season on record for the state.

In addition to the wildfire season, Oregon is also prone to earthquakes. The state sits on the Cascadia Subduction Zone, which is a major fault line that runs from northern California to British Columbia. The Cascadia Subduction Zone has the potential to produce earthquakes of magnitude 9.0 or higher, which could result in widespread damage and destruction.

Storms, including hurricanes and severe thunderstorms, can also cause significant property damage in Oregon. In 2007, a winter storm known as the "Great Coastal Gale" caused over $100 million in damages along the Oregon coast. In 2017, the state was hit by a series of severe thunderstorms that resulted in over $100 million in damages.

It is important for Oregon residents and businesses to be prepared for the potential of natural disasters and to have a plan in place in case of an emergency. Having insurance coverage, such as property insurance or business interruption insurance, can help to mitigate the financial impact of natural disasters and assist in the recovery process.

Overall, natural disasters have the potential to cause significant property damage in Oregon. It is important to be prepared and have a plan in place to protect your home or business from the potential risks of natural disasters.

OREGON TRAFFIC ACCIDENT AND INSURANCE REPORT

Did you get into an auto accident in Oregon? If so, you may need to fill out this form for the DMV.

735-32 (oregon.gov)

The form states:

"ONLY drivers involved in an accident resulting in any of the following MUST file an Accident & Insurance Report:

• Damage to your vehicle is over $2500 

• Damage to any one person’s property over $2500 

• Injury (No matter how minor) 

• Any vehicle has damage over $2500 and any vehicle is 

• Death towed from the scene as a result of damages"

You must report the accident within 72 hours or as soon as possible. Click on the link for more details.

Rental Car Reimbursement

Without a doubt, customers with Rental Car Reimbursement are much happier with their insurance when they are in an accident. This covers the cost of a rental car while your vehicle is in the body shop due to a covered loss. Some people pass up on this coverage, if they have a spare vehicle that they can use if they need to. But remember, you may have to drive that vehicle for an extended period of time. Let's say your backup vehicle is a 1985 Ford Truck. Do you want to be commuting to work in that for three weeks? 

Some carriers offer alternatives to Rental Car Reimbursement coverages. For instance, you could get reimbursed a fixed dollar amount for each day the vehicle is at the garage after a covered loss. You could use that money to pay down your deductible or hire a taxi to get you around town. Ask your agent what coverages are appropriate for your unique situation. 

Towing and Road Service

Yes, put this endorsement on your auto insurance policy. If your car breaks down on the side of the road, having a tow truck driver come to your rescue is priceless. These guys are unsung heroes. They work in the worst weather conditions, at all hours of the day, and solve your problems with the greatest of ease. 

Check your insurance policy or ask your agent for coverage specifics. Some carriers have smart phone apps that make it easy to call for a tow. Download the app and look for that function.

You might say, "I have a new car. It won't breakdown." Well, what about flat tires, dead batteries, running out of gas? What if your car gets old and you forget to put the coverage on. It's a no brainer, get the coverage. 

High Deductibles- Advantages

Higher deductibles on auto insurance can be a great long-term strategy for lower premiums. If you're carrying deductibles over $1000 for collision, there is less benefit to file claims for dings and scratches to your car. This may lead to fewer claims, but you will have to pay out of pocket to fix your ride or drive around with the damages. Some people don't mind a few dents on an older vehicle. It goes without saying, don't drive it if it's unsafe. 

Low Deductibles- Advantages

 

Obviously, low deductibles on auto insurance are better when you file a claim. Accidents are random and drivers don't always budget for unexpected expenses, like car repairs. I field a lot of calls from people after an accident and drivers with low deductibles are happier about their circumstances than high deductible customers. Ask your insurance agent to quote you several different deductibles on both your comp and collision and pick the one that is right for you.  

Fire Insurance

 It's devastating to see fires rip through a neighborhood like this. Lives may be lost and families will struggle with this trauma for many years. It was not too long ago that we experienced something like this in Oregon. 

When the fire burned through the Santiam Canyon in 2020, one of my customers called me as they were being evacuated. They asked me how much coverage they had, thinking that they might need to file a claim. I thought for sure they would lose their home. 

Here are the coverages we talked about:

• Dwelling- This is the amount the insurance company will pay if you have a total loss. This is often confused with Market Value but the dwelling coverage pays to rebuild the part of the house that you live in.
• Personal Property- This coverage pays for the things like furniture, clothing and appliances that are not built into the home. 
• Separate Structures- This is for fences, sheds, retaining walls, hot tubs, etc, that are not attached to the dwelling. 
• Loss of Use- This is money to help you pay for a place to live while your home is unlivable and being repaired.

Most people nowadays have this policy information online or in an app on their phones. You may not think to look for your insurance documents if you are being evacuated, so having this information on your phone is handy. At least have your insurance agent's number on there like my customers did. 

Fortunately, my customer's home was spared by the forest fire.  

Insurance Office Open On Saturdays

Your busy weekday schedule might make it difficult to meet with a licensed insurance agent. That's why we are open on Saturdays, to help you get coverage on your time. You can come into the office or give us a call at 503-967-6734.

Our office is at:

3853 River Rd N, Keizer, OR 97303

Open from noon to 5p

We write Home, Auto, Life and Business insurance. We service Oregon, Washington and California. See you soon. CA License #: 4140181

Auto Insurance Coverage- Property Damage Liability

Let's say you crash into a 2020 Tesla, how much will your insurance pay if it's totaled? According to a CarGuru.com valuation, a Model 3 of that year is worth about $63,000 at the time of this posting. Auto insurance normally pays Actual Cash Value.

Your Property Damage Liability is the amount your insurance company will pay to the owner of that Tesla. If you don't have enough coverage, you may have to pay the difference. 

It may not be another car that you hit. It could be a streetlight, a building, a sign, a road barrier, etc. Those aren't cheap, either. Check the amount of Property Damage coverage that you have on your auto insurance policy and ask yourself, "Is that enough?"

Auto Insurance Coverage- Bodily Injury Liability

"Why are there two numbers?" That's a common question I hear from customers as they inquire about their auto coverages. This is your Bodily Injury Liability(BI) and it might look like one of these on your auto policy:

• $25,000/$50,000
• $50,000/$100,000
• $100,000/$300,000
• $250,000/$500,000

This coverage pays for injuries that you caused to someone else. Medical bills of the other driver or pedestrian that you hit, for instance. 

The first of the two numbers is the limit your insurance company will pay for any one person that is hurt. The second number is the total your insurance company will pay for everyone who you hurt in the accident. 

The state minimum in Oregon, at the time of this post, is $25,000/$50,000. To legally drive your car in Oregon, that is the minimum amount of Bodily Injury Liability insurance you must have on your policy. 

It's easy to imagine that $25,000 would not be enough money if you caused a major accident. If you can afford to pay for more coverage, you should. 

 

Farmers Insurance Agent in Salem and Keizer, Oregon

Seven years ago, I was standing out in the rain, covering car accidents and house fires, working for a Portland TV station. It was an amazing career where I got to travel around Oregon and tell people's stories through video. Today, I'm in a dry heated office with a bathroom across the hall. Boring right? No way, I'm having the time of my life helping people with their insurance needs. Lessons I learned from meeting folks from all walks of life and seeing tragedy and triumph up close for over 20 years has helped me become a better insurance agent. 

I'm going to use this space to talk about insurance and promote my business. I write insurance policies for a lot of things including: 

• Homes
• Autos
• Life
• Business
• Earthquake
• Flood
• Motorcycles
• Recreational Vehicles
• Travel Trailers
• Boats
• Jet Skies
• Snowmobiles
• Events

I want to write insurance for you. Go to my web page: https://agents.farmers.com/gcorridori or call me at 503-967-6734. I will show you how to make your insurance work for you.

Morning live shot on Portland news station

Lake Oswego at West Salem Highlights

Ride-share insurance coverage, Salem and Keizer, Oregon

Robert makes sure that every passenger in his Lyft is comfortable and makes it to their destination safely and on time. He is a true professional, making a good living in the ride-share industry. Sounds like a great gig and he is one of the best. He shared with me some insights about being a driver. The major ride-share companies provide insurance coverage for their drivers but it may not be enough. Farmers has coverage specifically for ride-share drivers like Robert. This coverage has been very popular in our agency this week. So, if you know anyone making a living doing this, have them give us a call and we will review their coverages to make sure they aren't left with any gaps. 503-967-6734

Teagan Quitoriano Pressure Free Throws and Overtime Domination

Teagan Quitoriano makes 3 free throws with 2.2 seconds left in regulation to tie the game and scores 9 points in overtime to help the Sprague Olympians defeat the South Salem Saxons in overtime. This is the first time these two rivals have met this season. Final score was 78-67.

Giant mushrooms discovered at Nelson Park

Runs, Drips and Errors

Got to admit that I was skeptical about my assignment today until I saw the mess myself.

New to Salem's downtown