BLOGWhen a Church Becomes a Community Hub: Insurance for Food Pantries, Daycare, Support Groups, and Shared Building Use
November 3, 2026 · 14 min read · Non-Profits & Events
Oregon church insurance questions for food pantries, daycare, support groups, volunteers, property, vehicles, and agreements with outside groups using the building.
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Personal InsuranceYou Work From Home in Bend — But Does Your Insurance Know That?
Bend has one of the highest remote work rates in the nation, but most work-from-home residents don't realize their homeowners policy has a $2,500 cap on business equipment and zero coverage for business liability. Here's what to do about it.
Personal InsuranceYour E-Bike Costs $6,000 and Your Homeowners Policy Covers $0 — Oregon's E-Bike Insurance Blind Spot
Oregon's e-bike boom is leaving thousands of riders financially exposed. Learn why standard homeowners and auto policies don't cover e-bikes, what the coverage gaps are, and how Central Oregon riders can get properly protected for as little as $100 a year.
Commercial InsuranceOregon Auto Repair Shop & Body Shop Insurance: What Mechanics, Detailers, Tire Shops & Car Wash Owners Need to Know
Oregon auto repair shops, body shops, tire shops, car washes, and detailers face unique insurance risks. Learn about garage keepers liability, garage policies, pollution coverage, tools & equipment, and how to protect your Central Oregon automotive business.
Commercial InsurancePet & Veterinary Business Insurance in Oregon: Boarding, Grooming, Daycare, Trainers, Transport & More
Running a pet care or veterinary business in Oregon? Learn what insurance coverage you need — from animal bailee to professional liability — for boarding, grooming, dog daycare, trainers, pet transport, pet stores, and veterinary practices.
Commercial InsuranceCommercial Auto Insurance in Oregon: What Every Business Vehicle, Fleet & Work Truck Owner Needs to Know in 2026
If your business uses a vehicle, your personal auto policy almost certainly isn't protecting you. Learn Oregon's commercial auto requirements, what's covered, how much it costs, and how to protect your business fleet.
Personal InsuranceWhat Happens to Your Insurance When You Retire in Central Oregon: A Complete Checklist for Oregon Retirees
Retirement triggers a cascade of insurance changes most people don't anticipate. This complete checklist for Central Oregon retirees covers home, auto, life, health, Medicare, and more — so you can retire with confidence.
Home InsuranceHail, Wind, and Wildfire: How Central Oregon's Changing Weather Is Reshaping Home Insurance in 2026
Central Oregon homeowners face rising insurance costs from hail, wind, and wildfire. Learn why carriers are tightening underwriting in Crook County, what coverage gaps to watch for, and how to protect your home in 2026.
Commercial InsuranceOregon Grocery Store Insurance: What Every Grocer Needs to Know
A complete guide to grocery store insurance in Oregon — covering general liability, food spoilage, workers’ comp, product liability, equipment breakdown, cyber coverage, and the 8 most common coverage gaps for Central Oregon independent grocers and supermarkets.
Commercial InsuranceOregon Small Business Insurance: The Complete Coverage Guide for Central Oregon Businesses
A complete guide to small business insurance in Oregon — the 6 essential coverages, BOP, workers’ comp requirements, cyber liability, EPLI, the 10 most common coverage gaps, and how to build the right program for your Central Oregon business.
Personal InsuranceOregon Earthquake Insurance: What the Cascadia Subduction Zone Means for Your Home & Business
A complete guide to earthquake insurance in Oregon — covering the Cascadia Subduction Zone M9.0+ risk, the standard policy exclusion, percentage-based deductibles, the 30-day waiting period, moratorium rule, ALE coverage, commercial earthquake insurance, and how to get covered before the ground shakes.
Commercial InsuranceOregon Multi-Family Property Insurance: What Duplex, Triplex & Apartment Owners in Central Oregon Need to Know
A complete guide to multi-family property insurance in Oregon — covering the homeowners policy gap, loss of rents, building ordinance coverage, ORS 90.222 renters insurance requirements, flood and earthquake exclusions, and the coverage gaps that cost Central Oregon landlords the most.
Non-Profits & EventsOregon Nonprofit Insurance: Directors & Officers Liability, Volunteer Protection, and the Coverage Gaps That Put Boards at Risk
A complete guide to D&O insurance, EPLI, and volunteer liability coverage for Oregon nonprofits — covering ORS Chapter 65 board duties, ORS 30.475 Volunteer Protection Act, real claim examples, and what every Central Oregon nonprofit board needs to know about personal liability.
Commercial InsuranceOregon Adult Day Care Insurance: The Coverage Gaps That Can Shut Down Your Senior Care Business
A complete guide to insurance for Oregon adult day care centers — covering professional liability, abuse and molestation coverage, commercial auto for client transport, workers' compensation, HIPAA cyber liability, and OAR 411-066 certification requirements.
Farm & Ranch InsuranceOregon Farm & Ranch Trucking Insurance: When Your Farm Policy Stops Covering Your Truck
A complete guide to trucking and transportation insurance for Oregon farm and ranch operations — covering FMCSA covered farm vehicle rules, Oregon farm plates (ORS 805.390), farm auto vs. commercial auto, livestock transit insurance, cargo coverage, hired and non-owned auto, and the for-hire hauling gap.
Non-Profits & EventsInsurance for Oregon Food Banks, Thrift Stores & Community Service Nonprofits: The Coverage Gaps Nobody Talks About
A complete guide to insurance for Oregon food banks, thrift stores, and community nonprofits — covering ORS 30.890 Good Samaritan limits, product liability for donated goods, volunteer driver auto coverage, EPLI for mixed staff, and the specific risks of Central Oregon community organizations.
Farm & Ranch InsuranceOregon Cattle Mortality Insurance: What Happens When You Lose a Bull, a Bred Heifer, or Your Entire Herd?
A complete guide to cattle mortality insurance for Oregon ranchers — covering the standard farm policy gap, individual animal mortality coverage, registered bull and bred heifer values, transit coverage, Oregon brand law documentation, and how to properly insure your most valuable breeding stock.
Farm & Ranch InsuranceOregon Grazing Lease Insurance: Who Is Liable When Someone Else's Cattle Are on Your Land?
A complete guide to insurance for Oregon grazing leases — covering open range law (ORS 608.015), BLM permit insurance requirements, farm policy insured location gaps, additional insured endorsements, and what a proper written grazing lease must say about insurance.
Insurance TipsWhat Happens to Your Insurance When You File a Claim in Oregon: A Step-by-Step Guide Nobody Gives You
A step-by-step guide to filing an insurance claim in Oregon — covering Oregon law timelines (OAR 836-080-0225), ACV vs. replacement cost holdbacks, adjuster types, proof of loss, the DFR complaint process, and the 10 most common mistakes Oregon policyholders make.
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