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Protect Your Business With Contractors Insurance

At Einstein Insurance, we understand that your business is your livelihood. As a contractor in Portland, OR, you must protect it with the right insurance. Here’s why you need contractors’ insurance and how it can protect your company and a good name in your industry.

What is Contractors Insurance?

Contractors insurance is a policy that protects contractors and their businesses against claims made by customers, employees, or third parties. The procedure typically includes general liability, Workers’ compensation, commercial auto, and property insurance. For contractors in Portland, OR, having contractors’ insurance is critical to protecting their business.

Why Do Contractors Need Insurance?

Contractors engage in high-risk activities that expose them and their businesses to lawsuits or damages. Without contractors’ insurance, you’ll be liable for any injuries or property damage from your work. This can lead to significant financial losses, lawsuits, or bankruptcy. By having this coverage, you’ll have peace of mind knowing that you’re protected against these risks.

How Can Contractors Insurance Protect Your Business?

Contractors insurance can protect your business in several ways. General liability insurance covers bodily injury, property damage, and advertising injury claims. Workers’ compensation insurance covers any injuries your employees sustain while working. Commercial auto insurance covers the cost of damages to your vehicles and any damages resulting from an accident. Property insurance protects against damage or loss of property, including your tools and equipment.

Contact Einstein Insurance Today

As an experienced insurance provider for businesses in Portland, OR, Einstein Insurance understands the specific risks that contractors face in their business. That’s why we offer comprehensive contractor insurance policies tailored to your business needs. Contact us today to learn how we can protect your business with contractors’ insurance.

What is Employee Practices Insurance?

Employment practice refers to a company’s hiring protocol, employee management, and workplace conditions. There are a number of issues that could arise in a workplace setting, including discrimination, sexual harassment, or low wages. A worker might experience personal injury from an on-the-job accident, like a vehicle crash or a slip on the stairway. Regardless of the cause, many workers end up suing employers based on employee management.

If you’re a Portland, OR area-based employer, here is how you can find legal protection from Einstein Insurance.

What is Liability Insurance?

Liability insurance is the kind of coverage that protects the customer from legal situations. Employee practices often cross over with liability due to the fact that many employees opt to sue their employers over workplace conditions.

Employee practices liability insurance (EPLI) is a niche field that specializes in covering employers who are being sued over workplace practices. This kind of insurance will cover legal fees, including any medical bills or lawyer payments that you incur while in court. At Einstein Insurance, our team will help pay for legal situations involving the following:

  • wrongful termination
  • workplace injuries
  • unfair wages 
  • unpaid leave disputes
  • hostile work environment
  • discrimination based on sex, rage, age, or disability

Once you’ve made a claim for employee practices, an insurance agent should help you through this process with what to do. 

Reach Out To Us

Looking for quality employee practices insurance in Portland, OR? Feel free to contact Einstein Insurance for more information. Our team would be happy to schedule an appointment for you right away. In addition to employers, our agency provides insurance services for auto owners, homeowners, renters, contractors, and business owners. 

Who Needs Cyber Liability Insurance?

You’ve undoubtedly seen the recent breaking news about largescale companies falling victim to cyber security breaches. If it happened to them, it could happen to you, too, and it would be an awful experience for both you and your customers. Einstein Insurance is here to provide Portland, OR entrepreneurs with coverage that can best protect their businesses against such attacks. 

Why Cyber Liability Insurance? 

Any place of business should prioritize protecting themselves and their customers’ information. A recent study found that 43% of cyber-attacks target small businesses. Most companies can be subject to cybercrime. You don’t want to leave yourself vulnerable to a damaging data breach.

Cyber liability insurance protects a business against financial losses caused by incidents related to network breaches and other cybersecurity issues.

Cyber liability insurance can be a vital protection to have in place for businesses that:

  • Sell goods or services online
  • Store important data virtually
  • Have a large customer base
  • Earn high revenue
  • Retain valuable digital assets

Without proper protection in place, you could be inadvertently exposing yourself and putting your customers at risk. It can be difficult to rebuild trust and recuperate lost income after a breach. The bottom line is you’ll want to have cyber insurance if you handle customer data or store information about your business online. Cyber liability insurance can safeguard your information from:

  • Data breaches
  • System hacking
  • Computer viruses
  • Phishing scams
  • Cyber security attacks
  • Compromised networks
  • Ransomware extortions

If any of these seem like acute concerns for you or your business, it could be worth further researching cyber liability insurance. Once you decide, make sure to find an insurance provider with experience in cyber liability insurance to put yourself in the best position against a costly cyber-attack.

We Are Here To Help!

To help your business find the best policy, contact our experts at Einstein Insurance. We proudly serve the Portland, OR business community.

Three things you need to consider when buying boat insurance

Getting boat insurance is important. As a boat owner in Portland, OR, you need to purchase boat insurance and consider all the relevant factors that impact your insurance requirements before selecting a policy.

Einstein Insurance offers boat insurance policies that can meet their unique needs.

The following are three things you need to consider when you buy boat insurance:

The number of operators who will be regularly operating your boat

Your insurance provider should know who is operating your boat. Insurance providers want to see the driving records of all the boat operators they put on their boat insurance policies. 

The layup period during which your boat will be in storage

The winter in Oregon is typically cold, and boat owners usually keep their boats in storage during the winter months. The layup period refers to the time when a boat is in storage. 

Your insurance provider may adjust coverage and premium costs for layup periods in your boat usage schedule. You don’t face the same risks when your boat is in storage, so it’s best to have your insurance coverage adjusted accordingly. 

The total value of your boat

A boat insurance policy should insure a boat owner for the full value of his or her boat. That’s why you should determine the total value of your boat. 

You can request a replacement value boat insurance policy that will insure you for the full cost of buying a new boat if your boat becomes destroyed. 

Give Us A Call

We’re here to help you get an insurance policy to meet your needs. If you’re a boat owner in Portland, OR and surrounding cities, you can get in touch with Einstein Insurance so that we can provide you with a policy quote. 

Who should get an umbrella insurance policy?

Umbrella insurance policies are an important kind of coverage for anyone who owns assets and wants to ensure their financial security in the event of a large claim or legal lawsuit. Whether you are an individual, business owner, or homeowner in the Portland, OR area, umbrella insurance from Einstein Insurance can provide an extra layer of financial protection beyond your existing liability coverage. 

Benefits of Umbrella Insurance

An umbrella insurance policy is designed to protect you from certain types of costly lawsuits and large claims that exceed your basic liability coverage. These policies are typically sold in increments of $1 million and can provide a financial cushion should you be found liable for damages related to property damage, personal injury, libel or slander damages, or other incidents. 

For individuals, it’s important to consider how much your net worth is before deciding if an additional policy is necessary. If the amount at stake exceeds your current liability limit, then umbrella insurance might be worth considering. Similarly, business owners should take into account the value of any assets owned by the company as well as any potential liabilities, including claims related to product defects or negligence on the part of employees.

Homeowners may also benefit from having an additional layer of protection with umbrella insurance due to risks associated with owning property and being responsible for any accidents that occur on their premises. This type of policy isn’t just for those who have high net worth either; even if you only have basic homeowners insurance coverage and few assets, it could still be beneficial to purchase an umbrella policy in case someone brings a claim against you for millions in damages. 

Give Us A Call

For more information, call Einstein Insurance today. We serve the Portland, OR area. 

5 benefits of having a life insurance policy

Few understand the importance of life insurance. According to the Life Insurance Marketing and Research Association (LIMRA), nearly half of all U.S. consumers are without even basic coverage. Their most recent report, "Facts About Life 2021," details the misinformation and misconceptions that surround life insurance.

Luckily, Einstein Insurance is willing to set the record straight. Serving the greater Portland, OR community, we understand how valuable life insurance is at every stage of life.

Here are the top five benefits of purchasing a life insurance policy:

Protect your family

Life insurance isn’t for you. The main purpose of these policies is to protect your loved one. After you pass, life insurance will continue to provide for your family.

Replace lost income

In LIMRA’s report, 42% of those surveyed expressed financial hardships if a wage earner were to pass unexpectedly. Life insurance helps fill this gap, supplementing lost wages and minimizing this burden.

Pay off debts

Bills won’t stop just because you’re gone. To prevent them from piling up, the payout from a life insurance policy could go towards a mortgage, loan, or other outstanding expenses.

Cover burial costs

This is the main reason individuals purchase life insurance. In fact, 83% of all participants in LIMRA’s survey cited this as their sole motivation for owning a life insurance policy.

Added financial security

There’s no price tag on peace of mind. Life insurance is a security blanket, shielding you, your spouse, and your children from the unexpected and the unpredictable.

Contact Us Today

Einstein Insurance in Portland, OR is here for more than just education. In addition to busting these myths, our dedicated team can create a personalized life insurance policy that’s right for you and your family. Call to set up an appointment today.

4 Tips You Must Know Before Shopping for Auto Insurance

When it comes to insurance, you need to get it right from the word go. Buying insurance, however, can be a challenge, especially if you’re buying it for the first time.

Auto insurance can be confusing with the many available coverage options and insurance agents. You need to understand that the right auto insurance can make the difference between financial ruin and solvency when in an adverse mishap. Einstein Insurance is here to provide Portland, OR residents with a guide. 

The following tips can help you shop for the best auto insurance:

Know what determines auto insurance premium

When buying your auto insurance, you must know that there are different factors that determine your auto insurance rates. Some factors include your driving record regarding violations and accidents caused, where you live, previous coverage, age, and how often you use your car. For example, the more claims, the higher the premium rate

Know how much car insurance you need

How much auto insurance you need depends on your individual needs. First, you must buy the minimum liability coverage required to be on the road. However, the minimum liability may not be enough, and you may need to purchase a higher liability claim. Liability coverage may not be enough, and you might want to consider other auto insurance coverage to enjoy complete protection.

Know the types of auto insurance coverage

Auto insurance comes with different coverages, all available to suit your requirements. Knowing how each type protects you will help you decide which coverages work for you. Besides liability coverage, others include collision, comprehensive, uninsured, and underinsured medical payments coverage, and much more.

Know your insurance agent

Before choosing an insurance agent, please get to know them better. You can do this by comparing different quotes and policies. You get to learn more about the company, for example, its financial ratings, complaint record, and recent rate changes.

Get The Right Coverage Today

With the above tips, you can get the right coverage and save money. Ready to purchase auto insurance in Portland, OR? Contact Einstein Insurance for an affordable quote.

Does commercial insurance cover cyber attacks?

You’ve probably heard a lot about cyber attacks on the news lately. You may be wondering if your commercial insurance policy covers you in the event of a cyber attack in Portland OR. The answer is maybe. It depends on the type of policy you have and the specific details of the attack. Einstein Insurance in Portland, OR is here to provide you with a guide on this important coverage. 

Basic Commercial Insurance Policies

Most basic commercial insurance policies will not cover you in the event of a cyber attack. This is because cyber attacks are generally considered to be an "act of war" and are not covered under standard insurance policies. However, there are some exceptions. For example, if a hacker accesses your computer system and steals customer data, that would be covered under most commercial insurance policies since it is considered to be theft.

CyberSecurity Insurance Policies

To be fully protected in the event of a cyber-attack, you will need to purchase a separate cybersecurity insurance policy. These policies are designed to protect businesses from financial losses resulting from a data breach or other types of cyber attacks. Cybersecurity insurance policies can be customized to meet the specific needs of your business, so it’s important to work with an experienced agent to determine what coverage is right for you.

Contact Us Today

No one likes thinking about the possibility of their business being attacked by hackers, but it’s important to be prepared. Most basic commercial insurance policies do not cover acts of war, like cyber attacks, but there are some exceptions. The best way to protect your business is to purchase a separate cybersecurity insurance policy. Contact Einstein Insurance in Portland, OR today to determine what coverage is right for you and your business.

Do I always need home insurance in Oregon?

Owning a home in the Portland OR area has continued to be a good option for many people. Those who would like to be property owners here need to ensure they are properly insured. Consult with the insurance experts at Einstein Insurance on this vital coverage. 

There are a few reasons one must have a home insurance plan

Protect Your Assets

Anyone purchasing a home in the Portland, OR area will know that they are making a big investment. They will also be purchasing various personal assets that will be kept in the home. When you have coverage through a home insurance plan, you will have the support needed to protect these assets. 

Reduce Liability Risks

You will also want to have this insurance so you can reduce your liability risks. Various liability risks come naturally with owning a home. If you can get a proper home insurance plan, you will also receive liability coverage, which can help offset this risk. 

Meet Requirements

An important reason for someone to have this coverage is to meet their requirements. Most property owners will have home insurance obligations. If you take out a loan or are part of a larger home association, you are bound to have insurance requirements. With proper coverage, you will remain in good standing. 

Get Home Insurance Today

Being a property owner in Portland, OR has been a good option for many people. If you want to own a home here, getting insurance for it is always beneficial. The insurance professionals with Einstein Insurance will offer any help you need to build a new home insurance plan. This will ensure you are properly covered and receive all of the benefits that can come along with having this coverage. 

Let us help you protect your food cart

Einstein Insurance is proud to serve the insurance needs of the greater Portland, OR area. If you own and operate a food cart in the Portland metro area, it’s important to have insurance. Food cart insurance can protect you from liability, theft, and damage. If you want to learn more about this type of insurance, give us a call today.

What to look for when selecting food cart insurance

As with any other business that serves food to the public, it is important for food cart operators to carry a sufficient amount of liability protection. This can keep them protected if there is an incidence of illness. It can also protect operators from common slip and fall types of claims.

Food cart operators often rent the locations where they set up shop. With the right policy in place, they can also be protected from any liability for damage to the rented premises. No one wants to have to come out of pocket for business-related expenses, especially when this scenario can be avoided with the right insurance.

If you own and operate a food cart, make sure that you have the insurance you need! These specialized insurance policies designed for food carts can go a long way toward protecting you and your cart business. Even if you don’t have a traditional brick-and-mortar restaurant location, it doesn’t mean that you still don’t need to protect your financial interests!  

Get in touch with us today!

Food cart operators in the Portland, OR metro area can turn to the team at Einstein Insurance for all of their insurance needs. If you want to make sure that you have the protection you need for your business, give us a call or stop by today!

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