Business insurance

Insurance for the business you've built.

Every business carries different risks. Ernest learns how yours works, then helps you put together coverage that protects it today and can grow with it.

Start a Business quote Call 971-717-0800

Coverage options

What it can cover

Small businesses usually need a few of these working together. Ernest will help you sort out which apply to you.

  • General liability

    Claims that your business caused bodily injury or property damage to someone else.

  • Business owner's policy (BOP)

    A package that combines general liability and property coverage, often a good fit for small businesses.

  • Commercial property

    Your building, equipment, inventory and furniture, whether you own or lease your space.

  • Commercial auto

    Vehicles owned or used by the business. A personal auto policy may not cover business use.

  • Workers' compensation

    Medical care and lost wages for employees hurt on the job. Most Oregon employers are required to carry it.

  • Professional liability

    Also called errors and omissions. Protects against claims that your advice or work caused a client a financial loss.

Depending on your business, ask Ernest whether these are available for you:

  • Cyber liability
  • Tools and equipment coverage
  • Business interruption
  • Commercial umbrella
  • Contractor and surety bonds
  • Home-based business coverage

Who it's for

Is this a fit for you?

  • Contractors and trades
  • Retail shops, restaurants and offices
  • Consultants and other professional services
  • Home-based businesses and side businesses

Why an independent broker

More than one company. One advisor.

  • Several companies, one conversationErnest isn't tied to one insurance company. He works with more than 100 companies and specialty markets, so he can compare options for you.
  • Advice that works for youErnest's job is to find coverage that fits your situation, explain the trade-offs plainly, and leave the decision with you.
  • Someone to call laterWhen something changes, you call the same person who already knows your policies, and he can help you start a claim with the insurance company.

How to request a quote

Three steps, no obligation

  1. 1

    Share the basics

    Answer a few short questions in the Business quote request. It takes about a minute, and nothing sensitive is needed yet.

  2. 2

    Ernest reviews it

    Ernest reviews your request and contacts you directly by phone or email.

  3. 3

    Compare and decide

    You get options explained in plain language. There's no obligation, and coverage only starts once you confirm it with Ernest.

Start a Business quote Or call 971-717-0800

General information only. Coverage is subject to the terms, conditions and exclusions of the actual policy, and not every option is available from every company. Read the full disclosures.