Insurance and risk, explained without the jargon. Pick the area that fits you and find guides, comparisons, and straight answers, each one written and reviewed by a real advisor.
Deep, audience-specific knowledge for the niches we focus on.
Landlord, rental, LLC, portfolio, and builders risk for property investors.
Lessor's risk, office, retail, warehouse, and mixed-use property.
Property managers, agents, brokers, inspectors, and appraisers.
General contractors and the specialty trades: liability, bonds, workers comp, and contracts.
Owner-operators, fleets, new authority, reefer, hotshot, and freight brokers.
Accountants, consultants, agencies, IT firms, fractional CFOs, and HR.
Full-service, QSR, cafes, bars, food trucks, catering, and multi-location.
Commercial, personal, and life and health coverage for everyone else.
BOP, general liability, workers comp, auto, professional, cyber, and umbrella.
Home, auto, umbrella, and the coverage families overlook.
Life, disability, and health coverage, and the tradeoffs people get wrong.
Oregon sits above one of the largest earthquake faults in North America, yet most renters assume they carry little seismic risk. Here is the exposure, what your renters policy does not do about it, and how to think about closing the gap.
Standard renters insurance does not cover earthquake damage. Here is what that means for your belongings, what your landlord does and does not owe you, and the two ways renters actually get earthquake protection.
Renters get earthquake coverage two ways: an endorsement on the renters policy or a standalone earthquake policy. Here is what it pays a renter, how the deductible works, and the honest case for and against it.
Earthquake deductibles for renters are usually a percentage of your contents limit, not a flat dollar amount. Here is how the math works, why it is built that way, and how to decide the coverage limit around it.
A plain-English guide to renters insurance for Oregon and California tenants: what it protects, what it excludes, the earthquake gap that matters most on the West Coast, and how to set it up right.
Oregon landlords can require renters liability insurance, but ORS 90.222 puts real limits on how. Coverage caps, an income exemption, interested party vs additional insured, and a rule about your own coverage that most owners miss.
Richard writes The Vantage Point, his notes on building a better business. The same client-first thinking shapes everything in this learning center.
Read The Vantage PointTake two minutes to see where your coverage stands, or just tell us to call you.
General education, not a coverage determination. A licensed advisor confirms your policy.