Insuring Your Farm: Why Working with a Knowledgeable Agent Matters Emphasize the specialized nature of farm insurance and Prineville Insurance’s local expertise.
Insuring Your Farm: Why Working with a Knowledgeable Agent Matters As a farmer, you understand the unique risks and challenges that come with your livelihood. From unpredictable weather to volatile…
Read MoreMarket Fluctuations and Your Farm: Revenue Protection Options Explained Help farmers navigate volatile markets and protect their income.
Market Fluctuations and Your Farm: Revenue Protection Options Explained As a farmer, you understand the inherent risks involved in your profession. From weather events to volatile market prices, numerous factors…
Read MoreWeathering the Storm: Insurance Coverage for Oregon’s Unique Climate Risks Highlight protection against drought, wildfire, floods, or other challenges.
Weathering the Storm: Insurance Coverage for Oregon’s Unique Climate Risks Oregon’s diverse landscape and unique climate present a range of challenges for residents and businesses alike. From the lush forests…
Read MoreLiability Risks on the Farm: From Visitors to Employees Address agritourism trends, workers’ comp needs, and potential scenarios specific to the region.
Liability Risks on the Farm: From Visitors to Employees With the growing popularity of agritourism and the ever-present need to ensure worker safety, understanding your farm’s potential liability risks is…
Read MoreProtecting Your Harvest: Crop Insurance Options and Deadlines in Oregon Make this timely for planting/harvest seasons and explain different types of coverage.
Protecting Your Harvest: Crop Insurance Options and Deadlines in Oregon As the Oregon planting season approaches, farmers are busy preparing their fields and making critical decisions about their crops. One…
Read MoreDon’t Leave Your Farm to Chance: Understanding the Basics of Farm & Ranch Insurance Cover property, equipment, livestock, and liability in one comprehensive post.
Don’t Leave Your Farm to Chance: Understanding the Basics of Farm & Ranch Insurance For generations, family farms have been the backbone of America. They provide sustenance, support rural communities,…
Read MoreThe Value of a Benefits Broker: Getting the Most Out of Your Group Plan Highlight Prineville Insurance’s expertise in finding the right plans and negotiating rates.
The Value of a Benefits Broker: Getting the Most Out of Your Group Plan in Prineville Navigating the complex world of employee benefits can be overwhelming. With so many options…
Read MoreUnderstanding Healthcare Trends: What They Mean for Your Group Plan Costs Help employers stay ahead of rising costs and industry changes.
Understanding Healthcare Trends: What They Mean for Your Group Plan Costs Navigating the ever-changing landscape of healthcare can be challenging for employers. With rising costs and constant industry shifts, it’s…
Read MoreSimplifying Benefits Administration: How Technology Can Save You Time & Money Emphasize ease of use and potential cost savings.
Simplifying Benefits Administration: How Technology Can Save You Time & Money Let’s face it, managing employee benefits can be a real headache. Between juggling paperwork, coordinating with multiple vendors, and…
Read MoreThe Benefits of Voluntary Benefits: Expanding Options at No Cost to Your Business Explain how employees can customize their coverage with supplemental plans.
The Benefits of Voluntary Benefits: Expanding Options at No Cost to Your Business In today’s competitive job market, attracting and retaining top talent is crucial. Beyond competitive salaries and strong…
Read MoreBeyond Health Insurance: Creative Group Benefits to Boost Employee Morale Explore options like wellness programs, flexible schedules, and pet insurance.
Beyond Health Insurance: Creative Group Benefits to Boost Employee Morale In today’s competitive job market, attracting and retaining top talent requires more than just a competitive salary and health insurance.…
Read MoreWin the Talent War: Offering Competitive Group Benefits in Today’s Market Highlight the importance of benefits in employee recruitment and satisfaction.
Win the Talent War: Offering Competitive Group Benefits in Today’s Market Headline: Attract and Retain Top Talent with a Winning Group Benefits Strategy Introduction: In today’s competitive talent market, attracting…
Read MoreThe Value of Experience: How Your Claims History Impacts Your Workers’ Comp Premiums Explain the Experience Rating Modification (ER Mod) and how to improve it.
The Value of Experience: How Your Claims History Impacts Your Workers’ Comp Premiums Every business owner knows that accidents happen, and when they do, it can be stressful and expensive.…
Read MoreUnderstanding Workers’ Comp Fraud: How to Protect Your Business Discuss red flags and how to work with your insurer to prevent fraudulent claims.
Understanding Workers’ Comp Fraud: How to Protect Your Business Workers’ compensation insurance is essential for protecting both employers and employees in the event of a workplace injury or illness. However,…
Read MoreOregon Workers’ Comp: Know Your Rights (And Your Employer’s) A clear overview for businesses and employees, with Prineville Insurance as a resource.
Oregon Workers’ Comp: Know Your Rights (And Your Employer’s) Navigating the complexities of workers’ compensation can be challenging, especially for both businesses and employees. This comprehensive guide aims to shed…
Read MoreReturn-to-Work Programs: Getting Your Employees Back on the Job Faster Emphasize cost savings and the healing benefits of modified work.
Return-to-Work Programs: Getting Your Employees Back on the Job Faster and Saving Money With rising healthcare costs and a competitive job market, return-to-work (RTW) programs are more important than ever.…
Read MoreBuilding a Safety-First Culture: Strategies that Pay Off (and Reduce Claims) Provide actionable tips and success stories of local businesses.
Building a Safety-First Culture: Strategies that Pay Off (and Reduce Claims) Introduction: Every business owner wants to keep their employees safe and their costs low. Fortunately, these two goals go…
Read MoreThe Hidden Costs of Workplace Injuries: How Workers’ Comp Impacts Your Bottom Line Go beyond medical bills to lost productivity, training replacements, and low morale.
The Hidden Costs of Workplace Injuries: How Workers’ Comp Impacts Your Bottom Line While the immediate costs associated with a workplace injury, such as medical bills and lost wages, are…
Read MoreBusiness Growth and Your Insurance: When It’s Time for a Coverage Review Stress the need for evolving insurance plans as businesses change.
Business Growth and Your Insurance: When It’s Time for a Coverage Review As your business grows and evolves, so too should your insurance plan. What protected you during your startup…
Read MoreInsurance Audit Red Flags: What to Watch Out For Help businesses avoid costly oversights and ensure their coverage is adequate.
Insurance Audit Red Flags: What to Watch Out For Insurance audits are a vital part of risk management, helping businesses identify potential gaps in their coverage and avoid costly oversights.…
Read MoreNavigating Business Insurance: Why Working with a Local Agent Matters Highlight Prineville Insurance’s in-depth knowledge of local risks and regulations.
Navigating Business Insurance: Why Working with a Local Agent Matters Running a business comes with its fair share of challenges. From managing day-to-day operations to staying ahead of the competition,…
Read MoreSafeguarding Your Professional Services: Errors & Omissions Insurance Explained Cater this to the types of professionals they serve (accountants, architects, etc.).
Safeguarding Your Reputation: Errors & Omissions Insurance Explained for Professionals As a professional, your reputation is everything. You’ve dedicated years to building trust with your clients and establishing yourself as…
Read MoreConstruction Insurance: Building a Solid Foundation of Protection Tailor the focus to project types common in the Prineville area.
Construction Insurance: Building a Solid Foundation of Protection in Prineville Prineville is experiencing exciting growth, with new residential developments, commercial construction projects, and infrastructure improvements shaping the landscape. This vibrant…
Read MoreFrom Harvest to Market: Insurance Essentials for Oregon’s Agriculture Businesses Focus on crop insurance, equipment coverage, and specialized risks.
From Harvest to Market: Insurance Essentials for Oregon’s Agriculture Businesses Oregon’s agricultural landscape is as diverse as it is beautiful, stretching from fertile valleys to verdant hills. This rich tapestry…
Read MoreThe True Cost of Lawsuits: Understanding Employment Practices Liability Insurance (EPLI) Explain coverage for wrongful termination, discrimination, and harassment claims.
The True Cost of Lawsuits: Understanding Employment Practices Liability Insurance (EPLI) In today’s litigious environment, even the most well-intentioned employers can find themselves facing costly lawsuits related to employment practices.…
Read MoreProtecting Your Fleet: Commercial Auto Insurance for Businesses Address safe driving practices, coverage options, and risks specific to local industries.
Protecting Your Fleet: Commercial Auto Insurance for Businesses As a business owner, your fleet is more than just a group of vehicles – it’s the backbone of your operational efficiency.…
Read MoreWorkers’ Compensation: Beyond Legal Requirements, How to Benefit Your Business Emphasize safety programs and return-to-work strategies that impact costs.
Workers’ Compensation: Beyond Legal Requirements, How to Benefit Your Business By Franke Insurance Services Introduction Workers’ compensation insurance is a legal requirement for businesses with employees. It protects both the…
Read MoreCybersecurity and Your Business: Is Your Data Protected? Discuss cyber liability insurance and increasing threats to small and medium-sized businesses.
Cybersecurity and Your Business: Is Your Data Protected? In today’s digital world, data breaches and cyberattacks are a constant threat, especially for small and medium-sized businesses (SMBs). These attacks can…
Read MoreBusiness Interruption Insurance: Keeping Your Cash Flowing After a Crisis Explain how this coverage keeps businesses afloat after covered events.
Business Interruption Insurance: Keeping Your Cash Flowing After a Crisis When disaster strikes, the last thing you want to worry about is whether your business will survive financially. That’s where…
Read MoreDon’t Let the Unforeseen Derail Your Business: Why You Need Commercial Property Insurance Highlight risks beyond fire, such as weather damage relevant to Oregon.
Don’t Let the Unforeseen Derail Your Business: Why You Need Commercial Property Insurance Owning and operating a business is a challenging yet rewarding endeavor. However, even the most meticulous planning…
Read MoreSharing Economy & Your Insurance: What You Need to Know About Airbnb and Ridesharing Educates about potential insurance gaps in these emerging sectors.
Sharing Economy & Your Insurance: What You Need to Know About Airbnb and Ridesharing The sharing economy has exploded in recent years, offering new ways for people to make money…
Read MoreHome Improvement Projects: How to Update Your Insurance Coverage Connects with the realities of homeownership in their area.
Home Improvement Projects: How to Update Your Insurance Coverage Owning a home is a significant investment, and keeping it in good condition is crucial. Whether you’re planning a small refresh…
Read MoreWildfire Risks in Central Oregon: What Insurance Can (and Can’t) Do for You Informative and helpful in the context of local concerns.
Wildfire Risks in Central Oregon: What Insurance Can (and Can’t) Do for You Central Oregon’s breathtaking landscapes and vibrant communities are increasingly threatened by the growing risk of wildfires. As…
Read MoreIs Umbrella Insurance Right for You? An Extra Layer of Protection Explained Address lawsuits and high asset exposure.
Is Umbrella Insurance Right for You? An Extra Layer of Protection Explained Protecting your assets and ensuring financial security is paramount. While homeowners and auto insurance provide essential coverage, there…
Read MoreProtecting Your Passion: Insurance for Collectors and Hobbyists Covering valuable collectibles, customized vehicles, etc.
Protecting Your Passion: Insurance for Collectors and Hobbyists For many, collecting and engaging in hobbies is more than just a pastime; it’s a passion. Whether you’re into classic cars, rare…
Read MoreOutdoor Adventures in Central Oregon: Do You Need Specialty Insurance? Discuss insurance for boats, RVs, ATVs, or high-value outdoor gear.
Outdoor Adventures in Central Oregon: Don’t Let Insurance Be a Downer Central Oregon is a paradise for outdoor enthusiasts, with a vast playground of mountains, lakes, rivers, and forests just…
Read MorePreparing for College: Insurance Considerations for Students Away From Home Cover dorm protection, belongings, and possible tuition insurance.
Preparing for College: Insurance Considerations for Students Away From Home Sending your child off to college is an exciting time, filled with new experiences and opportunities. However, it’s also important…
Read MoreNew Home, New Needs: Updating Your Insurance After a Big Move Address how moving impacts coverage needs for both renters and homeowners.
New Home, New Needs: Updating Your Insurance After a Big Move Congratulations! You’ve moved into your new home. But between the unpacking and settling in, don’t forget to update your…
Read MoreProtecting Your Growing Family: The Importance of Life Insurance Emphasize the need for life insurance, especially as families change.
Protecting Your Growing Family: The Importance of Life Insurance Starting and growing a family is an exciting and fulfilling journey. However, with this joy comes the responsibility of ensuring their…
Read MoreWhy Renters Insurance is a Must, Even If You Think You Don’t Own Much Dispelling myths, highlighting renters’ risks, and the affordability of protection.
Why Renters Insurance is a Must, Even If You Think You Don’t Own Much: Dispelling Myths, Highlighting Risks, and the Affordability of Protection Living the renter lifestyle? You might think…
Read MoreThe Homeowner’s Insurance Guide: What You Need to Know Before Buying Explain the basics of coverage and how to make informed decisions.
The Homeowner’s Insurance Guide: What You Need to Know Before Buying Buying a home is a significant milestone, and protecting your investment with the right homeowner’s insurance is crucial. This…
Read MoreTake Control of Your Insurance Costs with Smart Safety Strategies
Prineville Insurance understands that a safe workplace leads to lower insurance costs and a thriving business. That’s why we offer more than just policies – we give you the tools…
Read MoreA Time For Celebration – The Lunar New Year
The Lunar New Year, also known as Chinese New Year, is a significant holiday celebrated by many Asian cultures, including China, Vietnam, and Korea. The celebration marks the start…
Read MoreLiving Benefits – The New Modern Life Insurance Policy
Living benefits insurance, also known as modern life insurance, is a new type of policy that offers policyholders the ability to access their death benefit while they are still…
Read MoreThe importance of Homeowners Insurance
January is the perfect time to review your Thome insurance coverage and make sure you have the right amount of protection for your home and belongings. Home insurance is…
Read More3 Reasons to Review Your Insurance Coverage
January is a time for new beginnings, and what better way to start the year off right than by reviewing your insurance coverage? Here are three reasons why January…
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California Short Term Rental Insurance
Over the last few years, short term rental(STR) properties have become extremely popular in and around Traverse City California. Insuring them has become less costly than when they first…
Read MoreFigo Pet Insurance
Animal lovers know that our pets are a cherished part of the family. So purchasing insurance on them isn’t a new concept. In fact, the first pet insurance policy was…
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Gap in California Home Policies for Golf Carts
Lets say you purchase a new golf cart to ride around in your neighborhood and perhaps across the street to a local golf course. Did you realize that home insurance…
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Recreational Vehicle Insurance
California Recreational Vehicles Off Premises Whether you enjoy taking a ride on an ATV or seeing the beauty of the US one campground at a time, all recreational vehicles…
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The California Catastrophic Claims Association (MCCA) Refund
California’s MCCA has advised that refunds from our Auto Insurance No-Fault Reform Law passed in 2019, are on their way to California auto insurance consumers. Because the changes made by…
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7 Ways To Lower The Cost Of Home Insurance
The price you pay for your homeowner’s insurance can vary by hundreds of dollars, depending on the rates, credits, and endorsements available by your insurance company. Here are some things…
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How an Umbrella Protects you From More than Just Rain
With the passage of California’s auto insurance reform now becoming law, the immediate result will be a reduction in MCCA (California Catastrophic Claims Association) fees for all insured drivers. That…
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California Auto Reform Paperwork
Yes, you DID just fill out a bunch of paperwork a few months ago for your auto insurance renewal, and it is time to do it again! When the California…
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Do I Have to Purchase Snowplow Insurance Coverage?
As we watch the colorful leaves fall to the ground, and the daylight hours become shorter, we know that snow is soon to follow; and as a Northern California…
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Flood Insurance Becoming A Necessity In California?
We get it – we aren’t a ‘coastal state’, and that is why in California, flood insurance isn’t talked about much; except when required by a Mortgage Company for those…
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How Your Insurance Score Impacts Premiums
We all know that our credit history affects the interest rate we pay for credit cards, home mortgages and auto loans, and that a low credit score can even be…
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Protecting Your California Rental Property
Rental homes have become quite controversial in small towns and communities here in Northern California. Why? Because where one person sees increased traffic, unknown neighbors and events; another sees profit;…
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California No Fault Reform Law: What Does it Mean For You?
Last summer, I wrote about the California No Fault Auto Insurance Reform law right after it had been signed into effect. Since then, insurance agencies throughout the state have…
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Frozen Pipesicles
Yes, that’s not even a word, though it does make you envision a topic we run into often in Northern California — frozen pipes. Does your home insurance cover…
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Who Is An Insured?
The question of ‘who is an insured’ doesn’t seem complicated, until a claim is denied by your insurance company due to their decision that someone is simply ‘not an insured’…
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Chargeable Accidents
You swerve to miss a deer and end up in the ditch causing damage to your vehicle from the impact; or perhaps you pull off the side of the road…
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Adulting is Hard
Yes, we know that adulting is hard, and that sometimes parents hold on too long and too tight when a child needs to take responsibility and do the ‘adulting’ thing.…
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Replacement Cost vs. Actual Cash Value (New for Old)
You start a load of laundry and head down the road for a neighborhood barbeque. Upon returning, you find water all over your laundry room and into your carpeted hallway.…
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Full Coverage Auto Insurance
One of the most common requests we receive as insurance agents from clients seeking auto insurance, is a quote for ‘full coverage’. What does that even mean? I have been…
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Home Sharing Coverage Issues
I’m still living in my home, so why do you need to know that I’m also renting it out? Unfortunately, this seems to be a common question ‘after’ a claim,…
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California Auto Insurance Reform
The news has been busy recently with photos of Gov. Gretchen Whitmer on Mackinac Island signing into law the long-awaited and strongly controversial auto insurance reform bill that will drastically…
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You Have No Coverage
We understand how upsetting it can be for a client who has paid premiums for years with no claims, to turn one in and hear that it’s simply ‘not covered’…
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Do I Need To Insure My Bike?
Quiz: Do you know what a Pinarello Bolide, Dogma F8 Xlight, or a Cervelo P5 is? Second Question: Are you aware that they can cost you upwards of $10,000…
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Understanding Ordinance and Law
What is Ordinance and Law? A frequently misunderstood coverage, ordinance and law is a property coverage issue that can be costly to owners of homes or commercial buildings that suffer…
Read MoreWhen Generations and Families Mix in the Workplace
As a Generation X employer, hiring and mentoring millennials makes for interesting situations; but when that millennial is your son, it makes for an even more unique scenario. I struggled…
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Storms Cause Neighborhood Storms
Once again mother nature caused some issues recently in Northern California with storms and high winds that brought trees down on buildings as well as vehicles. When a tree, regardless…
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Divorce And Division of Property
It happens. Relationships sometimes simply don’t work out, and you find yourself moving out of a home and dividing up assets. The insurance in these situations can be complicated for…
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What does ‘Named Peril’ Mean?
I don’t think anyone would argue that insurance jargon is, at times, very confusing. Even after being in this industry writing insurance policies for over 30 years, I at times…
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California Ranked #6 for Dog Bite Claims
Yes, we know that Fido is an adorable pet that ‘wouldn’t hurt anyone’. However, we also know that insurance companies pay millions of dollars each year for dog bite medical,…
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Factors YOU Control That Impact Your Auto Insurance Costs
Auto insurance rates in California continue to rise due to increasing medical costs. We are the only State with UNLIMITED medical coverage on our auto policies, and as medical costs…
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Shipt Drivers in California
So, I took the plunge! About 3 months ago I decided to give Shipt a whirl and see if it was all the hype that my busy professional mom girlfriends…
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Spring Toys can bring Financial Woes
As the snow leaves us here in Northern California, the trails and mud seem to call riders from all over to get out their ATVs and hit the dirt, sand…
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Claims on Vacant Homes Denied
You and your siblings deal with the excruciating decision to place your mother into a long-term care facility as she can no longer take care of herself due to either…
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Why Do Insurance Costs Vary So Much?
“Imagine the shock of hearing a quote $3,000.00 less than what you are paying for your insurance!” We just received a testimonial from this client who was floored at how…
Read MoreShould I Have High Deductibles?
Your home insurance renewal arrives and like most people, you toss it in a drawer or cabinet once you have paid the bill, but you really don’t pay much…
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Forms of Auto Collision Coverage in California
California is somewhat unique when it comes to auto insurance in more ways than our Unlimited Medical benefits. When purchasing collision physical damage protection for your vehicles, you have 3…
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California’s Auto Insurance Reform Defeated
Once again, the attempt to control costs of California Auto Insurance has failed by a 45-63 vote earlier this month. California having the highest auto insurance costs in the nation…
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Does my roommate need Renters Insurance too?
In this day of un-related individuals all living together in a home that just one of them owns, or in an apartment or condo that is leased, renters’ insurance seems…
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How Much Do I Insure My Home For?
You paid $165,000 for your home, but your agent here in California thinks your ‘bargain purchase’ for a seasonal residence should be insured for $208,000. How can that be? We…
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Replacement Cost vs Market Value Issues
You find a major bargain for a rental property in Detroit California and only pay $65,000 for a home, but then after phone calls to 5 different insurance agencies in…
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Claims Reporting – When to Contact Your Agent
You find water in the basement level of your home, or you back your vehicle into your own basketball pole in the driveway; fortunately, your insurance agent is just a…
Read MoreReverse Trick or Treat
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Uber & Lyft have arrived in Traverse City
So, to answer the big insurance question – it’s a flat NO – your standard California auto insurance policy does NOT cover you while you are being a local…
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California Auto – Medical Order of Priority
California is often in the news about our auto insurance being the highest in the Nation. Truth! Why? – Because California is the ONLY State that provides UNLIMITED medical coverage…
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Salvage Autos – Hurricanes, Floods, Collisions
We realize that Northern California isn’t home to many floods or hurricanes, but we find when major storms occur like Hurricane Harvey, Californiaders end up with vehicles that come from…
Read MoreWhat Californiaders can learn from Hurricane Harvey
Our hearts go out to the victims of Hurricane Harvey, especially knowing that 85% of them have no flood insurance. These people face a crushing blow to their personal finances…
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You wrecked “Brad” and you want a new “Brad”
Yes, we realize that the Liberty Mutual television ad about wrecking a just purchased vehicle (she calls Brad), and not being able to purchase another one with the insurance proceeds,…
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College Kids – To Be… or Not to Be… On Their Own
Your 19-year-old son is away at college, is listed as a ‘driver’ on your auto policy and is using a vehicle that you; their parent – owns and insures.…
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Teen Driver Safety Tips
Drivers education courses provide our teens with enough knowledge and hands on experience to get their license, but that’s about it. I realized this as I watched my 16-year-old taking…
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Renters Insurance – Worth the cost of 2 Ristretto Venti Chocolate Brownie Iced Drinks?
Not only are kids moving back into their parents’ homes, now they are bringing their significant other and many times, other unrelated minor children with them. Today’s home can have…
Read MoreClient Relationships
Today I got the news that a long term client of mine passed away over the weekend. Every business owner gets these calls, and we empathize over the phone with…
Read MoreWhy is Local Important?
Yes Amazon is quick, convenient, and all too easy to use. My 16-year-old doesn’t understand why I prefer to purchase what I can here locally in Traverse City. Just today…
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Cover Yourself with an Umbrella
An Umbrella Liability policy is a ‘separate’ policy that provides clients with an additional ‘layer’ of liability protection. The policy is placed ‘on top of’ your other insurance policies; hence…
Read MoreHome Insurance – Use Your 15 Minutes Wisely
15 Minutes can save you money now, but cost you thousands later. Oh wait, they don’t tell you that. The price gun, the lizard, the mayhem guy. We all have seen…
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