Anthony at Smith Rock State Park

Products Overview

In addition to Property and General Liability insurance protection for your business, Sandin Insurance Group also offers the following insurances and services.

 
 
Property
 

In case of catastrophes like fire, explosion, theft, or vandalism, property insurance helps cover your costs, whether it's to repair damaged property or replace what you've lost. In addition, property coverage can provide business interruption income if a covered loss forces you to close your business for an extended period of time. Protecting your business property insures your peace of mind if a disaster occurs.

General Liability
 

Commercial liability insurance is designed to protect business owners from a variety of exposures including lawsuits. It can cover liability arising from accidents on or off premises, to products sold by the insured that result in injury to the user, to contractual liability, leaving an owner free to concentrate on managing their business.

Worker's Compensation
 
  • Protects employers from claims by workers who have suffered an on the job injury.
  • Protects business from medical bills and lost wages of the employee.
  • We provide same day reporting of claims, incident report sheets, online safety programs.
  • Experience Mod Education and checks.
 
Umbrella / Excess
 
  • A policy that protects the assets by extending over the liability limits of your policy / policies.
  • Quote options in increments of $1,000,000 limits. The coverage is more affordable than you may believe; we'll work with you to determine the significance and value.
Employment Practices Liability
 

Protects employer against employee related events like:

  • Discrimination, wrongful Termination, sexual harassment and ADA claims.
  • This may also be added as a coverage extension, attached to your business owner's policy.
Liquor Liability
 

For our Restaurant and Hoteliers we offer this important protection. Liquor liability insurance protects your business against loss or damages claimed as a result of a patron of your business becoming intoxicated and injuring themselves or others.

 
Commercial Automotive
 

If you own vehicles that are used in the course of business, a separate commercial auto policy will cover the following:

  • Liability, Physical Damage, Uninsured & Under insured Motorists, Non Owned Auto, and other state requirements.
Flood
 

Anywhere it rains, it can flood. Just because you haven't experienced a flood in the past, doesn't mean you won't in the future. Flood risk isn't just based on history, it's also based on a number of factors: rainfall, river-flow and tidal-surge data, topography, flood-control measures, and changes due to building and development.

  • Tsunami Insurance is also available for our coastal clients
floodsmart.govinfo
Earthquake
 

Earthquake insurance is important for building owners to consider, particularly in California. However, it is always important to consider coverage options in other states as well, including Oregon. See the link below to learn more from the U.S. Geological Survey: earthquake.usgs.govinfo

 
PROFESSIONAL LIABILITY / ERRORS AND OMISSIONS
 

To protect professionals in the event a client feels they suffered a loss because of your professional services.

  • CPA's, Bookkeeper Services, Real Estate Brokers, Spa Massage Industry, High Tech Developers, Consultants and more.
SURETY BONDS
 
  • License and Permit Bonds
  • Sales and Use Tax Bonds for Restaurants
  • Performance Bonds for Construction Industry

We work with a Surety company that specializes in Bonds only. In our Friends page, find MB Adams Health Insurance and Employee Benefits and Cafeteria Plan experts. They can help you in OR, WA, & CA.