Independent, not captive. We shop your risk across 100+ carriers and bring back real options, explained by a person, not a portal.
Some of the 100+ carriers we shop
Every line below is written and serviced by an agent who understands the exposure, not a generic online rate engine.
Third-party injury, property damage, and advertising injury claims, the base layer for almost every business.
Learn more →Property and liability bundled into one policy, the right fit for most storefronts, offices, and small operations.
Learn more →Required in Oregon and Washington once you have employees. We make sure your class codes are actually right.
Learn more →Company vehicles, work trucks, and hired/non-owned auto exposure for employees driving their own car for work.
Learn more →Covers claims of negligence, errors, or missed deadlines in the professional services you deliver to clients.
Learn more →Data breach response, ransomware, and liability from customer data that ends up somewhere it shouldn't.
Learn more →Your building, equipment, inventory, and signage, covered against fire, storm, theft, and vandalism.
Learn more →Extra limits on top of your other policies when a claim runs bigger than your base coverage can absorb.
Learn more →Covers tools, equipment, and materials that move between jobsites, where a standard property policy stops.
Learn more →Covers claims from employees over wrongful termination, discrimination, or harassment allegations.
Learn more →Coverage for a structure while it's under construction or major renovation, before it's ready to insure normally.
Learn more →Every industry carries different exposure. We write policies for these day in and day out. Don't see yours? Ask us anyway.
Cards marked "Photo" are placeholders. We'll drop in real jobsite or client photos once licensed or supplied.
Most clients start with us on the business side, then move their personal coverage over once they realize we actually pick up.
Term for a fixed need, permanent for lifelong protection, or final expense to keep costs off your family. We'll help you figure out which one actually fits.
Coverage for a set period, often the years a mortgage, growing kids, or a business loan actually need protecting.
Learn more →Permanent coverage that lasts your lifetime and builds cash value you can borrow against later.
Learn more →Permanent coverage with flexible premiums and death benefit as your income or needs change over time.
Learn more →A smaller policy sized to cover funeral and end-of-life costs, so your family isn't left with the bill.
Learn more →As an independent agency we compare across 100+ carriers instead of selling one company's only option.
The agent who wrote your policy is who you call when something happens, not a queue.
We revisit coverage as you add employees, vehicles, or locations, instead of leaving you underinsured.
These three are placeholders. Swap in real client quotes before launch.
PLACEHOLDER. Replace with a real quote from a business client, ideally referencing a specific claim or renewal.
PLACEHOLDER. Swap for a real personal-lines client, ideally one who bundled multiple policies.
PLACEHOLDER. Ideally a claims-experience quote, since that's what prospects worry about most.
Most commercial policies can be financed and spread into monthly payments instead of one large lump sum due at binding.
Instead of one large payment tying up working capital, spread the premium into predictable monthly installments.
A typical down payment plus monthly terms replaces a single full-premium payment due at policy binding.
Financing is typically arranged the same time as binding the policy, so it doesn't slow anything down.
A self-service calculator is coming soon so you can estimate your own payment plan. For now, ask us when you get your quote.
Call us directly at (503) 245-1234. We'll walk the claim in with you rather than hand you off to a call center.
We're currently licensed in Oregon and Washington, with Arizona licensing in progress. If you're outside these states, reach out and we'll let you know our timeline.
Yes. A large part of what we do is helping new or growing businesses figure out what coverage they actually need, not just renew what they already have.
A direct carrier can only sell you their own policies. As an independent agency, we compare your risk across 100+ carriers and place it with whoever actually fits, often at a better price.
Yes, and many clients do. It's often more convenient and can qualify for multi-policy pricing depending on the carrier.
For business coverage: what the business does, number of employees, payroll estimate, and current carrier if you have one. For personal lines: the property or vehicle details and your current policy if you're switching. We can also just get started with a phone call if that's easier.
It depends on your industry, payroll, revenue, and claims history, so there's no honest flat number we can give you here. That's exactly why we shop it across carriers instead of quoting off a generic calculator.
Yes. Adding a vehicle, a driver, an employee, or a piece of equipment mid-year is common and usually a quick call or email to update.
General Liability covers third-party injury and property damage claims. A Business Owner's Policy bundles that with commercial property coverage, usually at a better combined rate than buying each separately.
Yes, through premium financing, most commercial policies can be spread into monthly payments instead of one lump sum. See the Premium Financing section above for details.
Illustrative, composite scenarios based on common claims patterns, not real clients. The coverage gaps, though, are very real.
A fryer catches fire overnight and takes out the kitchen. The building's covered, but the walk-in, the hood system, and six figures of equipment weren't scoped for replacement cost.
A customer slips near an unmarked spill. Medical bills turn into a lawsuit for lost wages and pain and suffering, and the business has no liability policy to answer it.
An uninsured sub falls off a roof mid-job. The general contractor gets named in the suit anyway, because nobody verified the sub's coverage before the work started.
The office network gets encrypted overnight. No backup, no cyber policy, and a five-figure ransom paid out of pocket just to get the files back.
An employee runs a supply-run in their own car and gets into a wreck. The business's commercial auto policy never covered vehicles it doesn't own.
A performance-based firing turns into a wrongful termination claim. Legal defense costs alone run well past what the business had set aside.
A couple minutes, and we'll follow up with real options, not a generic rate sheet.
