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# Ashland Insurance: Your local Independent Agents Since 1981

## Sitemaps
[XML Sitemap](https://ashlandinsurance.com/sitemap_index.xml): Includes all crawlable and indexable pages.

## Pages
- [Terms & Conditions](https://ashlandinsurance.com/terms-conditions/): You agree to receive informational messages from Ashland Insurance, Inc. Message frequency varies. Message and data rates may apply. For help, reply HELP or email us at info@ashlandinsurance.com. You can opt out at any time by replying STOP.
- [Reviews](https://ashlandinsurance.com/about/reviews/): Reviews See what others are saying about us!
- [Health and Human Services Insurance and Risk Management](https://ashlandinsurance.com/hhs-insurance-and-risk-management/): Whether for or not-for-profit, health and human services (HHS) insurance and risk management considerations are unique from most other industries. Other industries may be manufacturing, retail, health care, contracting, service providers, agricultural, hospitality, education, or financial services. Each has exclusive elements, however HHS firms are different from the rest, and deserve interaction like no others.
- [Wildland Firefighter Insurance Coverage](https://ashlandinsurance.com/wildland-firefighter-insurance/): Wildland firefighters face unique and demanding challenges, and their insurance needs are just as specialized. As a wildland firefighter, you understand that preparing for the unexpected is part of the job. Your business operations, assets, and crew require comprehensive protection that goes beyond a standard policy. We provide wildland firefighter insurance services tailored to the complex and dynamic risks of the industry. Our solutions are designed to provide robust coverage, ensuring you can focus on your critical work without worrying about gaps in your protection.
- [Winery and Vineyard Insurance Coverage](https://ashlandinsurance.com/wineries-and-vineyards-insurance-coverage/): A tailored Winery and Vineyard Insurance package is designed to protect the significant investments made in your vineyard, facilities, and inventory. We specialize in providing comprehensive and customized solutions designed to mitigate the distinct challenges faced by wine industry professionals.
- [Veterinary and Pet Insurance Coverage](https://ashlandinsurance.com/veterinary-and-pet-insurance-coverage/): 541-482-0831
- [Truck Insurance Coverage](https://ashlandinsurance.com/truck-insurance-coverage/): 541-482-0831
- [Special Events Insurance Coverage](https://ashlandinsurance.com/special-events-insurance-coverage/): Whether it's the magical day you've dreamed of your whole life or that charity 5K run aiming to make a real difference in your community, the goal is always the same: to enjoy the moment, free from nagging worries. But here’s the straightforward truth: unexpected things happen. And when they do, you need to be protected. This isn't just about peace of mind, though that's a huge part of it. That’s what Special Events Insurance covers.
- [Self Storage Insurance Coverage](https://ashlandinsurance.com/self-storage-insurance-coverage/): The short answer is yes, but with significant limitations. Understanding these limits, and knowing when to purchase a dedicated self storage insurance policy, is crucial to ensuring your property is fully protected.
- [Motorcycle Insurance Coverage](https://ashlandinsurance.com/motorcycle-insurance-coverage/): Motorcycle insurance is an agreement between you and your insurance company that protects your bike, scooter, moped, ATV, or UTV, any damage you cause while riding, and other events. As with auto insurance, you’ll select and purchase "coverages," which represent things your insurer agrees to pay for.  Motorcycle insurance is mandated in most states. If you ride without insurance or lack the proper coverages, you could get a fine, have your license revoked, suffer a court-ordered financial judgment that you can’t afford, or even land in jail.
- [Kidnap and Ransom Insurance Coverage](https://ashlandinsurance.com/kidnap-and-ransom-insurance-coverage/): You can contact us for kidnap insurance, ransom insurance quote, and speak with one of our team members by calling us at 541-482-0831, or request a quote online.
- [Homeowners Insurance Coverage](https://ashlandinsurance.com/homeowners-insurance-coverage/): Homeowners insurance coverage is an important purchase for many people. There are two major reasons to buy homeowners insurance coverage:
- [Health and Fitness Business Insurance Coverage](https://ashlandinsurance.com/health-and-fitness-business-insurance/): If there is one business that makes insurance coverage its number one priority prior to starting its operations, it is a high-risk business like the sports, health and fitness gyms, and studios and franchises. Any business in this industry should be covered for a multitude of risks and in many cases carry more than one insurance policy to cover all of them. Health and fitness business insurance should include the following:
- [Food Truck Insurance Coverage](https://ashlandinsurance.com/food-truck-insurance-coverage/): Operating a food truck exposes your business to a unique set of risks that blend the challenges of a commercial kitchen with the hazards of a commercial vehicle. Securing comprehensive food truck insurance is a critical step in safeguarding your livelihood. 
- [Florist Insurance Coverage](https://ashlandinsurance.com/florist-insurance-coverage/): The business of being a florist is a beautiful and creative one, filled with moments of joy as you help clients celebrate life's most special occasions. However, every business, including a flower shop, is exposed to risks that could jeopardize its financial stability. That’s why every florist must have comprehensive florist insurance coverage to protect their passion and livelihood. From the moment you receive a shipment of fresh blooms to the final delivery of a wedding bouquet, potential dangers are present. A customer could slip on a wet floor, a delivery van could be involved in an accident, or a fire could destroy your entire inventory. Without the right protection, a single unfortunate event could result in devastating financial consequences.
- [Flood Insurance Coverage](https://ashlandinsurance.com/flood-insurance-coverage/): Whether you’re a homeowner, business owner, or renter, the NFIP offers flood insurance coverage to help you protect the life you’ve built. Work with your insurance agent to learn more about coverage amounts, deductibles, and policy costs.
- [Farm and Ranch Insurance Coverage](https://ashlandinsurance.com/farm-and-ranch-insurance-coverage/): Each farm and ranch is unique, which is why farm and ranch insurance policies are some of the most highly customized policies available, and may be required by law. The main coverage most farm owners consider is the protection for the main home or ranch, followed by liability insurance. However, since most farms utilize a diverse range of vehicles and equipment to service the property, these assets are also insured under a comprehensive farm policy.
- [Errors and Omissions Insurance Coverage](https://ashlandinsurance.com/errors-and-omissions-insurance-coverage/): Often known as E&O insurance or professional liability insurance, Errors and Omissions insurance coverage facilitates protection for businesses for professional mistakes made while facilitating a business service. These mistakes could be due to negligence, errors, omissions, misrepresentation, violation of good faith, or simply inaccurate advice.
- [Auto Insurance: Your Car Insurance Coverage Explained](https://ashlandinsurance.com/personal-auto-insurance-coverage/): Auto insurance is mandated by most states and is designed to facilitate protection for the damage you cause to others and their property. This basic coverage is facilitated by most insurance policies as required by law and the state minimum coverage requirements. However, for most drivers, the basic policy could be dangerously lacking putting the diver at high risk for lawsuits and losing their assets and their retirement nest.
- [Personal Watercraft and Boat Insurance Coverage](https://ashlandinsurance.com/personal-watercraft-insurance-coverage/): One of the biggest mistakes most boat owners make when it comes to insurance coverage is assuming their auto or their homeowner’s insurance covers their boat including the property damage and liability coverage. However, auto insurance policies never cover boats, and homeowner’s insurance coverage is very limited based on the type of policy, your insurance company, and the type of watercraft you own. So it is important to discuss your coverage with your agent before you make any assumptions. Securing a dedicated boat insurance policy is the most reliable way to ensure your watercraft and your financial well-being are protected.
- [Insurance Coverage for Apartment Buildings](https://ashlandinsurance.com/insurance-coverage-for-apartment-buildings/): For many landlords, an apartment building is their most significant asset and a long-term investment strategy designed to provide reliable income for the rest of their lives. For some, it is their primary livelihood and retirement nest egg. Protecting this asset with insurance coverage for apartment buildings is crucial. However, the concern for property owners goes far beyond protecting the physical structure; it extends to the massive liability exposure this type of investment entails. A single lawsuit can threaten your financial stability.
- [Outfitters and Guide Insurance Coverage](https://ashlandinsurance.com/insurance-coverage-for-outfitters-guides/): Because of the dangerous nature of fishing on commercially navigable waters, risky backpacking adventures, and dangerous hunting operations, most states require appropriate insurance and bonds for outfitter & guide companies. Outfitter insurance and guide insurance, therefore, become key ways to have safe and prosperous adventures. The risks are ever-present, whether you're navigating whitewater rapids, leading a client up a remote mountain trail, or guiding a hunting party through rugged terrain. Protecting your business isn't just about covering your clients; it's also about safeguarding your equipment, your reputation, and your livelihood. Having the right insurance plan is a critical step in mitigating potential financial losses and ensuring your company's long-term viability.
- [Catering Business Insurance Coverage](https://ashlandinsurance.com/catering-business-insurance-coverage/): There are so many specialty artists in Oregon, culinary experts being among them. Not all top-tier chefs want the hospitality hours, pressure, and/or overhead of operating a traditional restaurant. Many are opening catering companies to bring their art to the client’s home at a premium price that represents more of a white-collar experience than just a meal. Catering business insurance can help mitigate any risks to these culinary artists and entrepreneurs.
- [Cleaning Business Insurance Coverage](https://ashlandinsurance.com/cleaning-business-insurance-coverage/): 541-482-0831
- [Disability Insurance](https://ashlandinsurance.com/health-insurance/disability-insurance/): Americans are six times more likely to be unable to work for an extended period of time than to be killed by accident during their working years. Luckily, the risk of this happening while being unsupported by short term disability insurance can be avoided!
- [Insurance Coverage for Water Well Drillers](https://ashlandinsurance.com/insurance-coverage-for-water-well-drillers/): As climate change and persistent environmental shifts alter underground water tables year-round, rural homeowners, agricultural operations, and commercial businesses increasingly require new wells to be drilled, re-drilled, re-routed, and connected. This sustained demand is creating a significant spike in the number of active water well drillers. 
- [Fleet Insurance Coverage](https://ashlandinsurance.com/business-insurance/fleet-insurance-coverage/): You can contact us to get a quote for fleet insurance or to review your policy, get a new quote or discuss available discounts by calling us at 541-482-0831, or request a quote online.
- [Insurance and the state legal requirements](https://ashlandinsurance.com/insurance-and-the-state-legal-requirements/): The State of Oregon has a reputation and history of providing careful consumer protection. Therefore there are many mechanism in place to ensure that consumers, (most specifically elders) are not taken advantage of or swindled by unscrupulous businesses.
- [Long Term Care Insurance Coverage](https://ashlandinsurance.com/health-insurance/long-term-care-insurance-coverage/): However, these longer lives can still experience the common aging process in diminished capacities with dementia or any one of the other memory loss syndromes or diseases. This is why long term care, and long term care insurance, is so valuable.
- [Unusual Commercial Insurance Risks](https://ashlandinsurance.com/unusual-commercial-insurance-risks/): 541-482-0831
- [Commercial Insurance Checklist](https://ashlandinsurance.com/business-insurance/commercialchecklist/): 541-482-0831
- [Personal Insurance Checklist](https://ashlandinsurance.com/personal-insurance/personalchecklist/): 541-482-0831
- [Claim Satisfaction Survey](https://ashlandinsurance.com/claimsurvey/): "*" indicates required fields
- [Current Information](https://ashlandinsurance.com/current-information/)
- [Blog](https://ashlandinsurance.com/blog/): At Ashland Insurance, we firmly believe the best agents aren’t just numbers people in stiff suits. They are your neighbors,...
- [Life Insurance & Retirement Planning](https://ashlandinsurance.com/life-insurance-retirement-planning/): 541-857-0679Planning for the future is about more than just accumulating assets; it is about protecting them. Whether you are a young professional starting a family, a business owner looking to protect your partners, or an individual approaching retirement, life insurance is a cornerstone of a sound financial strategy.
- [Health Insurance coverage](https://ashlandinsurance.com/health-insurance/): Since 1981, Ashland Insurance has been a trusted advisor for individuals, families, and businesses, helping them navigate the complexities of the changing landscape of health insurance so they can choose the plan that best suits their needs. We can help with individual and family medical insurance, disability insurance, and long-term care insurance coverage.
- [Business Insurance](https://ashlandinsurance.com/business-insurance/): We facilitate these business insurance services and more on behalf of clients in 16 states because we have subject matter experts and agents in their areas of interest! Although policy requirements vary by state, we know our industries and appreciate working with those of similar focus.
- [Personal Insurance](https://ashlandinsurance.com/personal-insurance/): Personal insurance is about identifying all the non-business areas you’re vulnerable to financial damage. This includes your home and property, natural disasters, and your possessions. Let us help you find which products and services are right for you, so you don’t find yourself solely responsible when a disaster occurs. For a more comprehensive list, check out our Personal Insurance Checklist.
- [Individual/Family Medical Insurance](https://ashlandinsurance.com/health-insurance/individual-family-medical-insurance/): When selecting a family medical insurance plan in Oregon, North Carolina, or any of the 26 states served by Ashland Insurance, it's essential to consider the specific needs and preferences of all family members. A family medical insurance plan, which covers multiple individuals under one policy, can often provide cost savings compared to purchasing individual plans. Through group rates and family coverage options, a family plan can enhance overall health benefits while meeting diverse healthcare needs.
- [Commercial Umbrella Insurance](https://ashlandinsurance.com/commercial-umbrella-insurance/): In today's litigious society, the financial stakes for businesses have never been higher. A single lawsuit, fueled by a serious accident, product recall, or even a customer dispute, can quickly escalate into a multi-million dollar affair. While a typical business insurance policy provides a crucial layer of protection, it’s often not enough. Most package policies or primary liability policies, such as general liability, commercial auto, or workers' compensation, have liability limits that cap at $1 million or $2 million—a sum that can be easily eclipsed by a catastrophic claim. This is where commercial umbrella insurance, also known as excess liability, becomes an indispensable tool for protecting your business's financial future.
- [Surety & Fidelity Bonds](https://ashlandinsurance.com/surety-fidelity-bonds/): 541-482-0831
- [Professional Liability & Malpractice Insurance](https://ashlandinsurance.com/business-insurance/professional-liability-malpractice-insurance/): Professional liability & malpractice insurance, also known as errors and omissions (E&O) insurance, is a critical form of protection for a wide array of professionals. This insurance is designed to protect individuals and businesses against claims of negligence, errors, or omissions in the professional services they provide. The core function of this coverage is to address financial losses that may arise from a client's claim that a professional failed to exercise the appropriate care, knowledge, or skill required for their specific circumstances. While many professionals operate with the highest standards of care, the reality is that mistakes can happen, and even baseless accusations can lead to significant legal costs.
- [Liquor Liability Insurance](https://ashlandinsurance.com/business-insurance/liquor-liability-insurance/): 541-482-0831
- [Equipment Breakdown Insurance](https://ashlandinsurance.com/business-insurance/equipment-breakdown-insurance/): Equipment breakdown insurance can cover an extensive list of equipment, including piping, turbines, engines, pumps, compressors, electrical panels, generators, and more. This insurance covers failure of many kinds of equipment, including boilers, machinery and electrical equipment.
- [Employment Practices Liability Insurance](https://ashlandinsurance.com/business-insurance/employment-practices-liability-insurance/): As an employer, you face specific risks related to managing your workforce. Even with strong human resources policies in place, businesses face lawsuits from current, former, or prospective employees on a regular basis. To protect your organization's financial stability, you need specific Employment Practices Liability Insurance coverage designed for these events.

## Team