|Your Agent Steve Davis|
Columbia River Insurance Services is a professional agency dedicated to providing our clients with the best insurance protection and service possible. We will strive to use the industry's most superior products while maintaining affordability.
1503 NE 78th st Ste. 1A 98665
13343 SE Stark St. Ste. 200 97233
Products & Services
Columbia River Insurance Services
At Columbia River Insurance Services, we are professional advisors and consultants. Our goal is to provide customized solutions to meet your personal, business, and health needs. Our goal is to be your trusted business adviser. We are independent, which means we have access to hundreds of markets, so we are not tied just one insurance company. This gives us the flexibility to bring together the best possible coverage, pricing and services. We help you identify your risks and bring the right insurance solution.
Between our two offices, we have a staff of 13 professional licensed agents, with 140 years of combined years of experience. Please remember that we are a local agency, and expert in what we do. Using us does not cost you any more.
Vehicle Safety Tips
As we move closer to fall & winter here are a few reminders to help you manage your vehicle safety. Pass these along to employee, co-workers, friends and family.
- Clean your windshield of ice and frost. You also might check your head lights.
- Use winterized windshield wiper fluid to make sure your wiper sprayer doesn't freeze over or crack, preventing you from washing away dirt and salt.
- Maintain at least half a tank of gas to prevent unnecessarily stranding yourself in adverse conditions.
- Apply even pressure when braking in slick conditions if your vehicle is equipped with anti-lock brakes.
- Make sure you are awake and alert behind the wheel. If necessary, take a break and grab a coffee.
- Keep an emergency kit in your truck, an extra blanket and water may also help.
- If road conditions are severe follow at a safe distance allowing time to break.
- Holiday parties are approaching, never drink and drive.
- Turn the steering wheel in the direction of the slide when driving on snowy or icy roads until you gain control.
Long Term Disability
Long Term Disability Insurance is designed to cover lost wages in the event of a disabling accident or illness. Different policies have different stipulations but nearly all require a waiting period before disability payments begin and will reimburse for a pre-defined percentage of your income, generally 45% - 60%. There are two broad categories, Long Term Disability (LTD) and Short Term Disability (STD). Premiums and waiting periods will differ between the two types along short term and long term category lines. Columbia River Insurance offers competitive plans and can provide valuable assistance in this area.
Many people don't consider disability protection because they don't think they would need it, or it is covered under employer health plans or workers' compensation. Yet the need for disability protection is greater than for life insurance, at least when considering the probability of becoming disabled for some significant interval versus dying prematurely. Individual coverage is available, so contact me today.
In Oregon, a thief took a laptop from a government vehicle and came away with the names, birth dates, and Social Security numbers of 132,955 Oregon residents. In August, a VA subcontractor lost information on 38,000 veterans when a desktop computer disappeared. Hackers are now targeting small businesses because it is easier to steal information.The good news is there is insurance coverage for this risk, and the premiums are very reasonable.
Many employers also store bank account numbers for payroll purposes. With this information, an identity thief can open accounts and break into existing accounts. State laws require employers to provide notification and other services. This can cost as much as $250-$500 per individual. You may also be required to purchase individual ID protection for all individuals.
*Don't put employee information on laptops or other portable memory devices.
*Make certain that any sensitive employee information stored on a database is protected from hackers.
*If you do not need certain types of employee information, do not store it.
*If you work with a payroll provider or other employee service provider make certain that they have security procedures in place to protect your employees' information.
*Review the contract with your payroll provider and determine if the provider accepts responsibility for your employees' sensitive information.
*Make certain that your managers and supervisors are not storing or filing sensitive employee information outside your department.
*Train your staff on the importance of employee information and why identity thieves want that information.
There is insurance for employers and individuals and it is very competitively priced. Contact me today for a free review and quote.