Contact information, date of loss, estimated damage and description of incident surrounding the claim.

Once the claims adjuster are finalized, payments are issued directly by our insurance carriers.

Claims payment resolution can vary based on the complexity of the loss. We strive to make life easier and provide regular updates to our customers throughout the claims process.

Yes, we have strategic partnerships for life, health and employee benefits.

Insurance rates are based on many different factors, some of which include claims history, industry experience, sales turnover, geographical location and risk exposure.

Insurance coverages are calculated based on unique situations and risk exposures related to valuation of assets, construction, occupancy, protection systems, products exposure and class of business.

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Social Security numbers are used to develop insurance scores with insurance companies. All personal information obtained is strictly confidential with our underwriters.

We use technology platforms, loss control surveys and risk analysis to develop the necessary limits required to keep your business on the move.

Yes, we all love bundling policies to offer discounts with our insurance companies.

Claims and loss history are used to qualify experience for many of our customer base.

Yes, we offer many different types of corporate, state licensing, municipal, right of way, crime, surety and performance bonds for contractors bidding on various projects.

Call our claims management team or contact the insurance carrier directly to start the claims process.

All companies should consider hired and non-owned auto coverage, even if they do not have any business owned vehicles.

Yes, hired and non-owned auto coverages liability coverage for property damage and bodily injuries caused by you or your employees while performing errands and business functions.

Many vendor contracts require $1 million in Commercial Auto Liability coverage including comprehensive and collision.

Commercial Auto Insurance provides coverage in the event of a claim or accidents involving business owned vehicles.

No. However many US jurisdictions require liability coverage on all vehicles.

Workers' Compensation is a statutory requirement in the United States. The employer is responsible to provide Workers' Compensation coverage when workers are employees.

Workers Compensation Insurance provides coverage benefits to employees if they have a work related injury or illness.

Brewery Insurance can cover losses related to spoilage of perishable goods, equipment breakdown, premises liability, liquor liability for tasting rooms, product leakage, brands and labels. Our policy forms meet the needs of complex operations with high property values and multiple locations related to manufacturing and retail.

A Sole-Proprietorship is an unincorporated business entity run by a single person and a Limited Liability Company (LLC) is a registered business entity that is owned by its members and managers of the corporation.

No. However, loss of use coverage protects the property owner against financial loss in the event of a claim.

Landlord policies protect the ownership interest of the structure from property damage and liability claims.

All landlords should consider a lessors risk only policy and dwelling coverage to protect their property.

Landlords Insurance provides coverage for the property owners leasing out their commercial building, home, apartment, condo or other structure.

It depends on your industry and specific business needs. We bond together traditional values with modern solutions to deliver corporate risk management and quality insurance services including specialized underwriting, loss control, employee benefits, and claims services.

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We specialize in providing extraordinary coverage related to Business Insurance, Export-Import, Surety Bonds, Construction, Automotive, Manufacturing, Wholesale & Distribution, Technology, and Personal Home & Auto. We provide insurance solutions in the Pacific Northwest. Trail Forward with our team of experienced professionals.

We can provide small business with affordable and customized insurance programs.

Yes, many companies are required to carry insurance by a vendor contract or to meet local statutory requirements.

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Export-Import / Trade Credit Insurance policies provide coverage for nonpayment, late payments, customer bankruptcy, insolvency, default, political violence, currency inconvertibility and events outside the control of the buyer or seller.

Export-import / Trade Credit Insurance protects foreign account receivables against nonpayment for political and commercial risks.

There are many sub types of Marine Insurance. Marine applies to products being shipped by sea to their final destination. Ocean Cargo Insurance is a sub type of Marine and provides coverage for losses due to timing delay of a ship or an accident at sea.

Inland Marine Insurance is a type of Marine Insurance coverage designed for a wide range of specialized property.

Call us for quote.

All our insurance carriers are A rated, by AM Best and our team members have great claims management experience.

Ocean Cargo Insurance is an excellent way to protect your goods and shipments while in transit by sea to their final destination. All shippers, importers and exporters should consider purchasing Ocean Cargo Insurance.

Ocean Cargo Insurance is rated based on annual shipment values.

Ocean Cargo Insurance provides coverage for goods while in transit by an ocean conveyance against physical damage and loss during their journey.

Marine Insurance covers cargo losses or damages caused by shipping vessels, terminals and warehousing docks in which goods are transferred from the point of origin to their final destination.

Marine Insurance covers the transportations merchandise, goods and products by vessels crossing foreign and domestic trade routes.

Key Person Insurance provides a death benefit to the company if the owner or significant employee passes away.

Key Person Insurance is typically required when obtaining a business loan or leveraging company investments.

Key person insurance is a life insurance policy that a business purchases on the life of owners, executives and individuals critical to operations.

An insured can lower their Motorhome Insurance costs by improving their driving experience.

Motorhome and RV Insurance rates are determined by valuation and driver experience.

No, Snowmobile Insurance is purchased separately from Auto Insurance.

Ridership and experience are factors when determining Snowmobile Insurance rates.

Identity theft occurs when someone steals your personal information to commit fraud.

Identity Theft Insurance is designed to cover the expenses associated with an identity theft loss.

$1 million umbrella limit is selected by many of our customers. The amount of Umbrella Coverage is calculated by our dedicated team of professionals.

Yes, you may need an umbrella policy in order to protect business and personal assets that exceed primary liability limits.

An Umbrella policy provides additional liability coverage that can help protect a business and personal assets.

An Umbrella policy provides coverage in excess of existing limits on the primary and underlying policies.

Yes. Homeowners Liability Insurance protects our customers against lawsuits arising out of a claim from a third-party.

Scheduled Insurance refers to the items listed on your policy showing a description and specific limit for each item. Unscheduled insurance works more for a collection of smaller valued items together to form a single limit.

This is an itemized list of property values at each location.

A blanket limit provides a single limit of insurance for multiple locations and Scheduled Coverage outlines property identified at each location.

Ridership and experience are factors when determining motorcycle insurance rates.

Motorcycle Insurance repairs or replacement if your bike is damaged or stolen in an accident with the purchase of comprehensive and collision coverage.

We recommend immediately obtaining insurance before riding a new vehicle or motorcycle.

Yes, liquor liability can provide additional protection for injuries and property damage arising from a third-party claim.

Many venues require this coverage.

The Special Event Liability Insurance covers property damage and injuries to guests.

Yes.

Estimate the amount of coverage you would need to repair and replace all personal property, appliances and fixtures.

It is important to review the condominium by-laws and insurance requirements when selecting a Condo Insurance program.

Condominium Insurance may help cover the damage from an adjoining unit.

Condominium policies protect your personal property and the interior of your unit.

Many homeowners policies provide limited coverage for business property stored on the premises. It is important to consider a Commercial Insurance program and BOP (Business Owners Policy) that can cover risk exposures related to the business.

We use a third party firm to calculate dwelling limits using the replacement cost estimate with each quotation.

No. Both are often purchased separately. Our team members can provide additional quotes for earthquake and flood insurance.

Yes.

Hazard Insurance is part of a Homeowners Insurance policy.

Yes. Many landlords require may Renters Insurance.

Yes. It is important to protect your insurable interest regarding personal property and liabilities that may arise during the rental period.

Contact information, physical address and obtaining terms of lease agreement are helpful when offering a renters insurance quote.

Extending liability and physical damage to short term rentals differs based on the insurance company. Ask one of our team members to provide a program meeting your specific needs.

We develop Auto Insurance programs to meet the needs of our customers. Everyone’s situation is different and unique.

Driving history and experience are key factors when determining the cost of your car insurance.

The best way to keep your Auto Insurance costs low is to improve driving habits and maintain a good credit record.

Depending on your insurance company and state, premium rates can fluctuate based on underwriting exposures and incidents out of your control. Common incidents include motor vehicle records, comprehensive and collision claims.