Frequently Asked Questions
What types of insurance do you offer?
We offer auto, home, renters, landlord, business, restaurant, food truck, and specialty insurance, plus home warranties and more.
Do you work with multiple insurance carriers?
Yes! As an independent agency, we partner with top-rated carriers to find the right fit and price for your specific needs.
Can I bundle home and auto insurance for a discount?
Absolutely. Bundling often results in great savings. We’ll find the best bundle for your situation and carriers.
What’s the difference between replacement cost and actual cash value?
Replacement cost covers the full cost to replace items today. Actual cash value subtracts depreciation and pays less.
How long does it take to get a quote?
Most quotes take 30–60 minutes during business hours. Complex policies may take longer, but we’ll keep you updated.
What kind of insurance does a restaurant need?
Most need general liability, property, workers’ comp, and sometimes liquor liability. We tailor it based on your setup.
Do food trucks need different insurance than restaurants?
Yes. Food trucks often require commercial auto coverage plus liability and equipment protection. We customize it for you.
Do I need workers’ comp for a part-time employee?
Yes. In Oregon and California, having even one part-time employee typically means workers’ comp is required.
How do I file a claim?
You can file directly with your carrier or contact us first—we’ll walk you through every step and help avoid delays.
Will I have a local agent to talk to?
Yes! We’re based in Oregon and licensed in CA too. You’ll always talk to someone who understands your area and needs.
How often should I review my policy?
We recommend at least once a year, or after major life or business changes like a move, renovation, or hiring staff.
Do you offer coverage in Oregon and California?
Yes! We are licensed and active in both states and understand the specific insurance needs and regulations of each.