A knowledge base, organized by who you are.
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.
Built for who you are.
Deep, audience-specific knowledge for the niches we focus on.
Real Estate Investors
Landlord, rental, LLC, portfolio, and builders risk for property investors.
Commercial Property Owners
Lessor's risk, office, retail, warehouse, and mixed-use property.
Real Estate Services
Property managers, agents, brokers, inspectors, and appraisers.
Contractors
General contractors and the specialty trades: liability, bonds, workers comp, and contracts.
Trucking & Transportation
Owner-operators, fleets, new authority, reefer, hotshot, and freight brokers.
Professional Services
Accountants, consultants, agencies, IT firms, fractional CFOs, and HR.
Restaurants & Hospitality
Full-service, QSR, cafes, bars, food trucks, catering, and multi-location.
The core lines, explained.
Commercial, personal, and life and health coverage for everyone else.
Commercial Insurance
BOP, general liability, workers comp, auto, professional, cyber, and umbrella.
Personal Insurance
Home, auto, umbrella, and the coverage families overlook.
Life & Health
Life, disability, and health coverage, and the tradeoffs people get wrong.
The latest answers.
How to Change Your SAIF Agent in Oregon
You can change the agent on a SAIF workers' compensation policy without cancelling it. SAIF uses a one-page broker-of-record letter, your coverage, pricing, and claims history do not change, and the switch can happen mid-term. Here is the process and what to review first.
Landscaping Workers' Comp Class Codes: 9102 vs 0042 vs Hardscape & Tree
How landscapers get classified between the 9102 lawn-maintenance code and the higher-rated 0042 landscape-gardening construction code, and how hardscape, irrigation, and tree work split the payroll.
Ways to Lower Your Oregon Workers' Comp Premium
You cannot wish a workers' compensation premium down, but you can influence the inputs. Correct classifications, a managed experience modification, group-program eligibility, accurate payroll reporting, and return-to-work programs are the honest levers. Here is how each one works, with no guarantees.
Oregon Assigned-Risk Workers' Compensation Explained
If no carrier will voluntarily write your workers' comp, Oregon's assigned risk plan is the guaranteed market that will. Here is what the plan is, how you qualify and apply through NCCI, what an independent agent can and cannot control, and the honest path back to the voluntary market.
Real Example: Three Workers' Comp Quotes for an Oregon Moving Company
We shopped workers' compensation for one Oregon moving and storage company on $218,000 of payroll under class code 8293. SAIF came in lowest at $10,340, ahead of Pie and biBERK, and several standard markets declined the class entirely. Real quote figures, client details removed.
Oregon Workers' Compensation Class Codes Explained
Class codes decide the rate applied to your payroll, and they follow the work your people actually do, not their job titles. Here is how Oregon classification works, why one wrong code overcharges you or hides a gap, and how a correction is pursued, with no promise of a cheaper code.
The thinking behind the advice.
Richard writes The Vantage Point, his notes on building a better business. The same client-first thinking shapes everything in this learning center.
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