Commercial Insurance Coverages
Oregon Mutual offers comprehensive insurance programs for businesses including buildings, business personal property, actual loss sustained business income, employee dishonesty, employment practices liability insurance, and liability.
Equipment breakdown coverage is also available. This provides broad coverage for damage to property that is essential to your business such as electrical distribution systems, computers and business equipment, air conditioning systems, elevators, and security systems.
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Special Coverages
- Barbers and Beauticians Professional Liability
- Earthquake
- Food Contamination - Business Income (Restaurants)
- Funeral Directors Professional Liability
- Hired and Non-Owned Auto Liability
- Increased Employee Dishonesty
- Liquor Liability
- Mini Storage Warehouse Legal Liability
- Money and Securities
- Ordinance or Law
- Pet Boarders/Groomers Professional Liability
- Tenants Improvements and Betterments
- Veterinarians Professional Liability
- Veterinarians Loss of Income Due to Government Quarantine
- Veterinarians Animal Care, Custody Control
- Veterinarians State Licensing Board Defense
- Mechanics Errors & Omissions Coverage
- Extended Business Income
- Utility Services Time Element
- Unexpected Wine Oxidation
- Unexpected Wine Contamination
- Wine Stock Valuation
- Art Dealers and Galleries Coverage
- Food Contamination Contingent Business Income
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Optional Coverages
- Account Receivables
- Arson Reward
- Brands and Labels
- Electronic Data Processing Media Extra Expense
- Exterior Signs
- Errors and Omissions in Describing a Location
- Fine Arts
- Fire Department Service Charges
- Glass
- Replacement of Fire Extinguishing Materials
- Inventory and Appraisal Cost
- Mechanical Breakdown of Computer Equipment
- Money Orders and Counterfeit Paper Currency
- Newly Acquired or Constructed Property
- Outdoor Property
- Outdoor Unattached Signs $10,000
- Permanent Outdoor Structures for Trash Bins
- Personal Property Off Premises
- Spoilage of Perishable Stock
- Valuable Papers & Records and Electronic Media & Records
- Vehicle Damage to Leased Property
- Water Back Up
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