Independent insurance, based in Eugene.

The Eugene businesses we insure, starting with restaurants and bars.

Most of the commercial work that comes through this office is hospitality, construction, and property. If you run a restaurant, a bar, or a food truck in Eugene or Springfield, the coverage that decides your worst night is usually the one nobody read.

Liquor liability is not part of your general liability

General liability generally limits or excludes alcohol-related claims, so liquor liability is written as a separate coverage. Serving beer and wine only doesn't remove the exposure. The risk is over-service, and it's governed by dram shop law, a state law that can hold the establishment responsible for harm an intoxicated guest causes after they leave. Those rules vary by state, so the limits that make sense in Oregon aren't a rule of thumb you can borrow from somewhere else.

Leases, venues, and catering contracts ask for proof of it too. If you're signing an event contract or a new lease, it's worth reading what it obligates you to carry before you agree to it, not after. We'll read it with you. For bars and alcohol-focused operations it's usually paired with higher umbrella limits, and that's a conversation about your hours and your crowd, not a form.

What we place from the Willamette Street office

We're independent, so we shop these across carriers instead of fitting you to one company's appetite. Each of these has a full page behind it.

• Restaurants, cafes, and food trucks
• Bars and taverns
• Liquor liability
• Contractors and the trades
• Trucking and transportation
• Professional services
• Landlords and real estate investors
• Commercial property owners

Our clients in Eugene and Springfield tend to want a straight answer on the phone before they fill anything in. Call or text (541) 681-8793, or start a quote and we'll pick it up from there.

Coverage, written for Eugene and Springfield.

Eight pages built for this market rather than for the country. Each one covers the Oregon rules that actually apply, what the policy does, and what moves the price in Lane County. Businesses should start with the Eugene business insurance page, which routes to the rest of the commercial set.