Below, you'll find the coverages we offer. This is a brief description of coverages. This is not a policy or binder and is not intended to represent or be a substitute for policy provisions. Coverages are subject to policy terms and conditions. Limits, exclusions and deductibles may apply. Please read an Oregon Mutual policy for full coverage details. Coverage may be subject to change.

If you have questions about what coverages are right for you, please consult with your Independent Oregon Mutual Agent.

Buildings
If you are a building owner, you may purchase either replacement cost, agreed amount, functional replacement cost, or actual cash value coverage. Protection also applies to auxiliary buildings, fixtures, machinery, equipment necessary for service of the building, outdoor furniture, yard fixtures, and your personal property needed for maintenance of the building.

Business Personal Property
Protects your property - used in your business on a replacement cost basis or actual cash value and may include tenants improvements and betterments.

Comprehensive Liability
Coverage of bodily injury or property damage you become legally obligated to pay caused by an occurrence, including personal injury, products and completed operations. Various limit options are available on most risks.

Employee Dishonesty
(Depending on your particular policy, this coverage may be available)
Coverage for loss of Business Personal Property or Money and Securities due to the dishonest acts of employees. The coverage is available up to a limit of $100,000.

Loss of Income
(Depending on your particular policy, this coverage may be available)
If you are forced to close or limit operations because of a physical loss to your business resulting from a Covered Cause of Loss, this coverage will pay for actual loss of Business Income and necessary Extra Expense you incur within twelve months of the date of loss. A dollar limit may also apply.

Some of our Optional Coverages:

• Barbers and Beauticians Professional Liability
  
• Earthquake
  
• Exterior Signs
  
• Equipment Breakdown
  
• Food Contamination - Business Income (Restaurants)
  
• Funeral Directors Professional Liability
  
• Glass
  
• 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
  
• Veterinarians Professional Liability
  
• Veterinarians Loss of Income Due to Government Quarantine
  
• Veterinarians Animal Care, Custody Control
  
• Veterinarians State Licensing Board Defense
  

Commercial Automobile

Commercial Automobile is available in California, Idaho, Oregon and Washington. Coverage is available for Bodily Injury, Property Damage Liability, Uninsured/Underinsured Motorists, Medical Payments/Personal Injury Protection (depending on the state), Collision, and Other Than Collision Physical Damage.

Please contact an Independent Insurance Agent representing Oregon Mutual for specific information about, or to apply for, any of our coverages.