Insurance FAQs: Business, Contractor, Wildland Fire & Personal Insurance

Reviewed by Bancorp Insurance licensed insurance professionals. Last reviewed: August 2026. Oregon CCB requirements verified against current CCB sources at oregon.gov/ccb. Workers’ compensation requirements verified against the Oregon Department of Consumer and Business Services (DCBS) at wcd.oregon.gov. Medicare information verified against medicare.gov.

Bancorp Insurance is a third-generation, family-owned independent specialty agency in La Pine, Oregon — serving businesses and individuals since 1990. Unlike generalist agencies, we go deep in specific niche markets: wildland fire contractors, CCB-licensed construction contractors, RV parks and campgrounds, and Medicare Supplement plans. We hold exclusive carrier contracts in these markets that most agencies can’t access.

📞 1-800-452-6826  |  Book a Free Consultation  |  bancorp@bancorpinsurance.com

Jump to:
→ Wildland Fire Contractor Insurance
→ Oregon Contractor Insurance & CCB Requirements
→ RV Park & Campground Insurance
→ Medicare Supplement & Advantage
→ Business Insurance
→ Homeowners Insurance
→ Auto Insurance
→ Claims & Policy Management
→ Wildfire & Natural Disaster

Wildland Fire Contractor Insurance FAQs

Bancorp Insurance has specialized in wildland fire contractor insurance for over 35 years. We hold exclusive carrier relationships built specifically for this industry — most standard commercial agencies lack both the carrier access and the operational knowledge to properly insure a fire-season business. For deep coverage details, visit our Wildland Fire Contractor Insurance Program page.

What types of wildland fire contractors does Bancorp insure?

If your business serves wildland fire incidents, we have a program for you. We insure engine and tender contractors, hand crew contractors (Type 1 & Type 2), fire camp caterers and mobile kitchen operations, mobile shower and sanitation units, camp administration and incident command contractors, prescribed burn crews and fuels management operators, logistics and supply chain contractors, fuel operations, aviation ground support, and mobile office and equipment rental operations at fire camps. See the full list of covered operation types.

What coverage is included in a wildland fire contractor insurance program?

A complete Bancorp wildland fire contractor program typically includes:

• General Liability — Bodily injury, property damage, and fire damage liability
• Commercial Auto with Lay-Up Credits — Fleet coverage for tenders, brush trucks, and trailers; significant premium reduction during off-season when vehicles are not in active fire use
• Workers’ Compensation — On-duty and off-duty coverage for hand crews, operators, and camp staff, with multi-state payroll support
• Commercial Inland Marine — Direct physical loss to tools, machinery, and specialty field equipment
• Business Income & Extra Expense — Revenue protection for mobile operations when a covered loss takes equipment out of service mid-season (standard policies written to a fixed business address typically do not cover this)
• Business Property — Storage facilities, base camp property, offices, and computers
• Disability & Accidental Death Coverage — On- and off-duty protection designed for wildland firefighters and their families
• Certificates of Insurance — Delivered within one business day with Forest Service endorsements

Get a custom wildland fire contractor quote →

Which states does Bancorp provide wildland fire contractor insurance in?

Bancorp is licensed in all 50 states and specializes in the primary fire states: Oregon, Washington, Idaho, Montana, Wyoming, Colorado, Nevada, Utah, Arizona, New Mexico, California, and Texas. Because wildland contractors frequently cross state lines during fire season, we write multi-state policies that follow your operation wherever the work takes you. Contact our wildland fire specialists.

How fast can I get a Certificate of Insurance for the U.S. Forest Service?

Bancorp delivers Certificates of Insurance within one business day. Mobilizations happen fast — your COIs need to be at the correct U.S. Forest Service district office before you can roll. Our agents are experienced with Forest Service endorsement and certificate requirements. Never miss a contract because of a paperwork delay. Call 1-800-452-6826 or book online.

What are lay-up credits and how do they work for wildland contractors?

Lay-up credits reduce your commercial auto premium during off-season months when your vehicles are parked and not deployed on active fire operations. Because wildland contractors are seasonal, lay-up credits can represent meaningful premium savings. Bancorp builds these credits into wildland fire programs as a standard practice — ask your agent to calculate the impact for your specific fleet when you request a quote. Get a wildland fire insurance quote with lay-up credit analysis.

Does my current commercial policy cover my mobile kitchen or shower unit at a remote fire camp?

Most likely not — at least not fully. Standard commercial policies are written to a fixed business address. If your mobile kitchen, shower trailer, or laundry unit is damaged or destroyed at a remote fire camp, a standard policy may provide some physical equipment coverage but will typically not cover loss of business income while your operation is down mid-season. Bancorp addresses this gap specifically with mobile property and business income coverage designed for field operations. Request a policy review from a Bancorp wildland fire specialist.

Is construction and jobsite theft a growing risk for fire contractors?

Yes. Jobsite thefts nearly doubled between 2024 and 2025, according to a 2026 joint report by TrueLook and Noonlight — rising from 1,750 break-ins in 2024 to 2,639 in 2025 nationwide.[^source] Thieves commonly target generators, tools, temporary power equipment, and staged materials. Wildland contractors face this risk at staging areas, base camps, and job sites. Tools and equipment (inland marine) coverage — separate from general liability — is what protects your gear from theft. Ask about inland marine coverage when you get your quote.

What is the RXB2 Burn Boss certification and why does it affect prescribed burn insurance?

For wildland contractors engaged in prescribed burns, the RXB2 Burn Boss certification is a key credential many carriers require for comprehensive coverage. Some policies include exclusions related to prescribed burns — particularly a “Hostile Fire Exclusion” — which can affect coverage if a prescribed burn escapes or causes unintended damage. Maintaining current RXB2 certification and working with a carrier that understands prescribed burn operations reduces your coverage gaps significantly. Read more about prescribed burn contractor insurance requirements. Get a free policy review from Bancorp.

Is disability coverage available for wildland firefighters and crew members?

Yes. Bancorp offers disability and accidental death coverage designed for wildland firefighters and crews — covering both on-duty and off-duty incidents. This coverage is often surprisingly affordable and ensures that if something happens to a crew member, the financial burden on their family is reduced. Ask about disability coverage options when you get your quote.

Oregon Contractor Insurance & CCB FAQs

Bancorp Insurance has been insuring contractors across the West Coast for over 35 years. We know the CCB requirements — including changes under HB 2922 — and we build coverage that actually protects your business, not just satisfies the paperwork. For full program details, visit our Contractor Insurance Program page.

Oregon CCB requirements on this page are verified against current sources at oregon.gov/ccb and reflect requirements in effect as of August 2026. Oregon contractor insurance requirements are governed by ORS Chapter 701 and OAR Chapter 812.

Do I need general liability insurance to get an Oregon CCB license?

Yes — it is a legal requirement. Under ORS Chapter 701, every CCB licensee must maintain active general liability insurance throughout the licensing period. Minimum coverage amounts by endorsement (updated per Oregon HB 2922, effective January 1, 2024):

• Residential General Contractor (RGC) / Residential Specialty (RSC): $500,000 per occurrence
• Commercial GC Level 2 (CGC L2) / Commercial Specialty Level 2 (CSC L2): $1,000,000 per occurrence
• Commercial GC Level 1 (CGC L1) / Commercial Specialty Level 1 (CSC L1): $2,000,000 per occurrence

The policy must include products and completed operations coverage and name the Construction Contractors Board as Certificate Holder. Source: Oregon CCB Licensing Page. The CCB minimum is a floor — many project owners and GCs contractually require subcontractors to carry $1M–$2M regardless of endorsement type. Bancorp will make sure your limits actually protect your business, not just your license.

How do I get a new Oregon CCB contractor license?

1. Register your business with the Oregon Secretary of State (if LLC, corporation, or partnership).
2. Complete 16 hours of CCB-approved pre-license training (Residential Management Instruction — RMI) from an approved provider listed at oregon.gov/ccb. This step cannot be waived. Exception: holders of a NASCLA Accredited Examination for Commercial General Building Contractors are exempt from pre-license training but must still pass the Oregon exam.
3. Pass the CCB exam administered by PSI ($60 per attempt; open-book; 70% score required — 36 of 50 questions). Apply for your license within 24 months of passing.
4. Obtain a surety bond at the required amount for your endorsement type. Bond amounts were updated effective January 1, 2024, under HB 2922. Verify current amounts at oregon.gov/ccb.
5. Obtain general liability insurance at the required minimum, with the CCB named as Certificate Holder and products and completed operations coverage confirmed on the certificate.
6. Obtain workers’ compensation insurance if hiring employees (see below). Sole proprietors with no employees may submit a workers’ comp exemption.
7. Submit your application online at oregon.gov/ccb. Application fee: $400 (effective July 1, 2025; previously $325). Processing typically takes approximately 3 weeks after a complete submission.

Source: Oregon CCB Licensing Page. Contact Bancorp before you apply — we coordinate your bond and insurance together so your application has no missing documents.

How do I renew my Oregon CCB license?

Oregon CCB licenses are valid for two years. To renew, you must complete continuing education, maintain active bond and insurance, and pay the renewal fee.

Continuing education (CE) requirements per two-year cycle:

• Residential contractors licensed less than 6 years: 16 hours, including 3 hours of CCB Laws, Regulations & Business Practices (LRB) from a CCB-provided course, plus 13 hours of approved courses
• Residential contractors continuously licensed 6+ years: 8 hours, including 3 hours of CCB LRB and 5 hours of approved Series A courses
• Commercial contractors (Level 2): 32 hours completed by key employees per two-year cycle
• Commercial contractors (Level 1): Hours vary based on number of key employees

Email CE completion certificates to cecerts@ccb.oregon.gov with your CCB license number. Renewal fee: $400 (effective July 1, 2025). Source: Oregon CCB Continuing Education Page. If your license lapses for more than 24 months, you must retake pre-license training and pass the exam again. Bancorp keeps your bond and insurance current so your license never goes on hold.

What happens to my insurance when I hire my first employee?

Oregon law (ORS Chapter 656) requires workers’ compensation coverage as soon as you employ one or more workers — including part-time and seasonal employees. Coverage must be in place before a worker begins performing services, per ORS 656.017. Additional steps triggered at your first hire:

• Obtain workers’ compensation through SAIF Corporation (Oregon’s state fund) or a private carrier authorized by Oregon DCBS
• Obtain an Oregon Business Identification Number (BIN) from the Oregon Department of Revenue
• Obtain a federal Employer Identification Number (EIN) from the IRS for payroll taxes
• Update your CCB file with your workers’ compensation carrier name and policy number
• Review your general liability limits — many GL policies are rated on payroll and your risk exposure increases with employees on job sites
• Consider adding Employment Practices Liability Insurance (EPLI) to cover wrongful termination, discrimination, and harassment claims

Source: Oregon Workers’ Compensation Division at wcd.oregon.gov. Don’t wait — contact Bancorp before your first hire so coverage is in place from day one.

What is products and completed operations coverage, and why does the Oregon CCB require it?

Completed operations coverage protects contractors from liability claims that arise after a project is finished and accepted by the client. Examples: a roof installed by a contractor that later leaks and damages a customer’s interior; a deck that fails and injures a homeowner months after project completion; or a gas line that was defectively installed and later causes damage after the project was handed over.

The Oregon CCB requires this coverage on every contractor’s certificate of insurance, governed by OAR 812-003-0100. A certificate without it will be rejected. Completed operations exposure is one of the most significant long-tail liability risks a contractor faces — claims can surface years after a project is complete. Bancorp structures completed operations coverage correctly for your specific trade.

Does contractor insurance cover tools and equipment stolen from a job site?

General liability insurance does not cover your own tools — it only covers third-party claims (injuries or property damage to others). To protect your own tools and equipment, you need a separate tools and equipment policy (also called inland marine or contractor’s equipment coverage). This covers owned, borrowed, or leased gear against theft, damage in transit, and on-site loss.

Construction jobsite thefts nearly doubled between 2024 and 2025 nationwide, according to a 2026 joint industry report by TrueLook and Noonlight — rising from 1,750 incidents in 2024 to 2,639 in 2025.[^source_theft] Commonly stolen items include generators, tools, copper wire, and lumber. Bancorp bundles tools coverage with your GL — no gaps, one agency.

What is installation coverage and do I need it?

Installation coverage (contractor’s installation floater) protects work-in-progress from losses before a project is accepted by the client. If a completed frame collapses from wind or weather overnight, or if materials on-site are damaged before installation, your general liability policy will not cover it. This coverage is particularly important for general contractors, framers, roofers, and anyone managing large residential or commercial builds where the value of in-progress work and staged materials is substantial. Ask a Bancorp agent if installation coverage is right for your trade.

Do I need a surety bond in addition to insurance?

Yes. Oregon requires both — they serve different purposes. A surety bond protects consumers by providing a fund for claims arising from abandoned projects, defective work, or unpaid subcontractors. General liability insurance protects against third-party bodily injury and property damage. Current CCB surety bond minimums (HB 2922, effective January 1, 2024; verify current amounts at oregon.gov/ccb): Residential GC: $20,000 | Residential Specialty: $15,000 | Residential Limited: $10,000 | Commercial GC: $20,000 | Commercial Specialty: $10,000. Public Works projects over $100,000 require an additional $30,000 Public Works Bond. Bancorp handles your bond and insurance together for a complete, clean CCB application.

How much does contractor insurance cost in Oregon?

Oregon contractor insurance premiums vary based on: trade type and hazard level, annual revenue and payroll, years in business, claims history, and coverage limits carried. As a general benchmark, the Oregon CCB notes that basic contractor general liability insurance can range from approximately $380–$1,380 per year — though contractors with payroll, employees, commercial work, or higher GL limits will typically pay more.

Bancorp’s agents specialize in contractor coverage and will make sure you are paying for what you need — not more, not less. Get a contractor insurance quote from Bancorp.

RV Park, Campground & Resort Insurance FAQs

Bancorp Insurance has been insuring privately held RV parks, campgrounds, and resorts for over 20 years. We represent carriers with programs built specifically for recreational properties — not generic commercial policies adapted to fit. For full program details, visit our RV Park & Campground Insurance Program page.

Why can’t I just use a standard commercial policy for my RV park or campground?

Standard commercial policies frequently include exclusions for ordinance of law, equipment breakdown, and waterborne disease — all real exposures for campgrounds and RV parks. They also typically do not provide adequate general liability limits for the recreational activities guests engage in on your property. A program purpose-built for RV parks and campgrounds gives you the right coverage without gaps that could be financially devastating after a serious poolside, dock, or guided activity incident. Contact Bancorp for a policy exclusion review before your next renewal.

What does a campground and RV park insurance policy cover?

A complete Bancorp RV park program includes:

• General Liability — Bodily injury, property damage, slip-and-fall, dock and pool incidents
• Commercial Property — Structures, facilities, and contents at replacement cost value
• Equipment Breakdown — Pumps, generators, HVAC, water systems, and utility infrastructure
• Commercial Auto — Maintenance trucks, guest shuttles, and on-property transport
• Mobile Equipment — Snowplows, tractors, forklifts, and grounds equipment
• Business Income & Extra Expense — Lost revenue during covered closures or repairs
• Workers’ Compensation — Maintenance staff, front desk employees, and seasonal workers

Get a customized RV park and campground insurance quote →

Are pools, docks, bars, and guided activities covered?

Yes — but only if specifically disclosed and included in your policy. Pools, docks, boat launches, playgrounds, bars, guided rafting, zip lines, and other recreational amenities substantially increase your liability exposure and must be listed in your coverage. Failing to disclose an amenity can result in a denied claim if an incident occurs there. Bancorp reviews your complete list of amenities when building every quote to make sure nothing is missed. Tell us everything about your property, and we’ll build a policy that covers it.

What types of recreational properties does Bancorp insure?

Bancorp insures the full range of recreational property operations, including: full-hookup and partial-hookup RV parks; tent and primitive campgrounds; full-service destination resorts with pools, restaurants, and bars; glamping sites, safari tents, yurts, and cabin rentals; seasonal and winter recreational parks; waterfront and marina parks with docks and boat launches; adventure and guided activity parks; and fraternal and group camps (scout camps, church retreats, membership campgrounds). Get a quote for your specific property type.

How do I make sure I have enough property coverage to fully rebuild after a fire?

Replacement cost coverage pays to rebuild at current material and labor costs. Actual cash value coverage pays the depreciated value — which can leave you significantly short after a total loss, especially given construction cost inflation in recent years. The type of coverage matters as much as the dollar amount. Bancorp reviews your property values and coverage type at every renewal to ensure your limits reflect what it would actually cost to rebuild today. Ask us to review your current property limits.

What is the difference between mobile equipment and commercial auto for a campground?

Commercial auto covers vehicles designed primarily for road use — trucks, vans, and cars that travel on public roads. Mobile equipment covers machinery that does not primarily travel on public roads — a tractor, grounds maintenance equipment, or a pickup with a snowplow blade that never leaves your property. Correctly classifying your equipment between the two policies can save meaningful premium annually. Bancorp helps you make the right call on every piece of equipment.

What states does Bancorp serve for RV park and campground insurance?

Bancorp is licensed in all 50 states and actively serves RV parks and campgrounds throughout Oregon, Washington, Idaho, California, Nevada, Arizona, Montana, Wyoming, and beyond. No matter the size of your operation or where it is located, we can find the right program for you. Get a quote today.

Medicare Supplement & Medicare Advantage FAQs

Medicare can be confusing. Our licensed Medicare agents help you cut through the complexity and choose the right plan for your health needs and budget — at no charge to you. For plan details and to book a consultation, visit our Medicare Plans page.

NOT AFFILIATED WITH OR ENDORSED BY THE GOVERNMENT OR THE FEDERAL MEDICARE PROGRAM. Bancorp Insurance represents 7 companies in Deschutes, Klamath, and Lake County for Medicare Advantage Plans. For a complete list of all options in your area, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227). TTY: 1-877-486-2048. This is a solicitation of insurance; a licensed insurance agent/producer may contact you.

What is the difference between Medicare Supplement and Medicare Advantage?

Medicare Supplement (Medigap) works alongside Original Medicare (Parts A & B). It pays costs Medicare doesn’t cover — deductibles, copayments, and coinsurance — giving you predictable out-of-pocket expenses and the freedom to see any Medicare-accepting provider nationwide, with no network restrictions and no referrals required.

Medicare Advantage (Part C) is a private insurance plan that replaces Original Medicare, bundling Parts A, B, and often Part D. Most plans have provider networks and may require referrals, but typically offer extra benefits like dental, vision, and hearing not covered by Original Medicare.

The right choice depends on your health status, preferred providers, prescription needs, and financial situation. Source: Medicare.gov. Book a free Medicare consultation with a Bancorp agent — no obligation.

What is Oregon’s Medicare birthday rule?

Oregon’s birthday rule is a significant consumer protection that allows Medicare Supplement policyholders to switch to a new Medigap plan of equal or lesser benefit without answering health questions, during a 30-day window that opens on their birthday each year. This means you can shop for a lower premium or switch carriers without risk of denial for pre-existing conditions. Many Oregon beneficiaries are unaware this option exists. Contact a Bancorp Medicare agent before your birthday to review your options at no charge.

When can I enroll in Medicare?

There are three main pathways to Medicare eligibility: turning age 65, qualifying due to a disability, or an end-stage renal disease diagnosis. Most people turning 65 have a 7-month Initial Enrollment Period (IEP) around their birthday. Missing your IEP without qualifying employer coverage can result in permanent late enrollment penalties. The Annual Enrollment Period (AEP) runs October 15 – December 7 each year for Medicare Advantage and Part D plan changes, with changes effective January 1. Source: Medicare.gov. Talk to a Bancorp agent about your enrollment timeline.

Does Medicare cover prescription drugs?

Original Medicare (Parts A & B) does not cover most outpatient prescription drugs. You need either a standalone Medicare Part D plan (paired with Original Medicare or a Supplement) or a Medicare Advantage plan that includes Part D coverage. Plans and drug formularies vary significantly — comparing plans against your specific medications before enrolling is essential. Bancorp Medicare agents can compare Part D plans for your specific medications.

Is Medicare consultation at Bancorp really free?

Yes. Our licensed Medicare agents provide consultations at absolutely no charge and no obligation to enroll. Bancorp is compensated by the carriers, not by you. Appointments are available in-person at our La Pine office, virtually, or by phone. Book your free Medicare consultation today.

Business Insurance FAQs

What commercial specialty programs does Bancorp offer?

Bancorp’s specialty commercial programs include:

• Contractor Insurance — CCB-compliant GL, workers’ comp, commercial auto, tools & equipment, installation, and EPLI for Oregon, Washington, and Idaho contractors
• Wildland Fire Contractor Insurance — Exclusive programs for engine/tender contractors, hand crews, camp caterers, prescribed burn operators, and aviation ground support, nationwide
• RV Park, Campground & Resort Insurance — Purpose-built coverage for privately held recreational properties nationwide
• Restoration Contractor Insurance — GL, professional liability, pollution liability, and mobile equipment on one policy for fire and water restoration contractors
• Water District & Special District Insurance — Purpose-built programs for rural government entities
• Home-Based Business Insurance — Coverage for entrepreneurs whose homeowner’s policy excludes business activities
• Group Health Insurance — Employer-sponsored plans to attract and retain employees

See all business insurance programs from Bancorp.

When does Oregon require workers’ compensation insurance for a business?

Oregon law (ORS Chapter 656) requires workers’ compensation coverage as soon as a business employs one or more workers — full-time, part-time, or seasonal. Coverage must be secured before a worker begins performing services, per ORS 656.017. Sole proprietors with no employees may be exempt, but that exemption becomes void the moment a worker is hired. Coverage can be obtained through SAIF Corporation (Oregon’s state fund) or a private insurer authorized by Oregon DCBS. Source: Oregon Workers’ Compensation Division. Learn more about workers’ compensation insurance from Bancorp.

What is a Certificate of Insurance (COI) and how do I get one?

A Certificate of Insurance is a document that proves you have active coverage. Clients, general contractors, Forest Service offices, and property owners frequently require a current COI before work begins. For wildland fire contractors, Bancorp delivers COIs within one business day. For all other commercial clients, COI requests are handled promptly. Contact your Bancorp agent to request a COI.

What is Employment Practices Liability Insurance (EPLI)?

EPLI covers your business against employee claims of wrongful termination, discrimination, harassment, and retaliation. Contractor businesses are particularly exposed due to high turnover and job-site injury rates. EPLI covers legal defense costs even when a claim is ultimately unfounded — and defense costs alone can be substantial. Ask about adding EPLI to your contractor or business program.

Can Bancorp bundle my business and personal policies?

Yes — and bundling often produces savings and simplifies your life. Bancorp insures businesses alongside home, auto, RV, boat, and more. With 120+ combined years of agent experience and an average client relationship of 15+ years, Bancorp is the one agency many clients use for everything. Tell us about your full picture.

Homeowners Insurance FAQs

What does homeowners insurance cover?

A standard homeowners policy covers your home’s structure, personal belongings, and liability protection — but coverage specifics vary significantly by policy and carrier. In Oregon and the Pacific Northwest, wildfire exposure requires careful attention to coverage type, limits, and any wildfire-related exclusions or restrictions. Our agents will walk you through your specific options.

Why are homeowners insurance rates increasing in Oregon?

Rising construction costs, increasing wildfire exposure, weather-related claims, and broader market hardening all contribute to rate increases across Oregon and the West. Bancorp shops 100+ carriers to find the best available rates for your specific property and risk profile. Ask us for an annual review.

What is Fire Line Scoring and how does it affect my homeowners premium?

Fire Line Scoring is a property-specific wildfire risk rating based on factors including brush fuel, terrain slope, fire department access, wind-borne ember exposure, and community mitigation. Every carrier uses its own proprietary maps and scoring methodology. A higher fire line score can significantly increase your premium or affect your eligibility for coverage. Learn more about defensible space and what you can do to improve your risk profile.

What is a Protection Class Code?

A Protection Class (PC) code is the grade assigned by the Insurance Services Office (ISO) as part of the Public Protection Classification Program, ranging from 1 (best fire protection) to 10 (no fire protection within 10 miles). The score reflects fire department quality, staffing, hydrant access, and emergency communications. Rural Oregon properties commonly carry higher PC codes, which affects both eligibility and premium. Ask us how your PC code affects your coverage options.

Does my homeowners policy cover my vehicle while stored in my garage?

No. Homeowners policies exclude most motorized vehicles. Your car, motorcycle, or RV must carry its own auto or RV policy with comprehensive coverage — even while stored in a garage. If a fire burns down the garage or a tree falls on it, your vehicle will NOT be covered under your property policy. Contact us to review your auto and home coverage together.

Auto Insurance FAQs

What is the difference between liability-only and full coverage auto insurance?

Liability-only coverage pays for damage or injury you cause to others. Full coverage adds collision (damage to your vehicle in an accident) and comprehensive (theft, fire, weather) to your policy. For contractors and business owners, commercial auto coverage for work vehicles is a separate policy from personal auto. Ask us what coverage is right for your vehicles and business use.

Does my personal auto insurance cover my work vehicles or business use?

Personal auto policies typically exclude vehicles used primarily for business purposes. If you use a truck, van, or trailer for your contracting business, you need a commercial auto policy. For wildland fire contractors, Bancorp bundles commercial auto with lay-up credits into your overall program. See contractor commercial auto options.

What is uninsured motorist coverage?

1 in 8 drivers on Oregon roads is uninsured or underinsured. Uninsured motorist coverage protects you and your passengers if you are injured by a driver who has no — or insufficient — insurance. Read more: 1 in 8 Vehicles are Operated by an Uninsured Driver.

Does my personal auto policy cover driving for Uber or Lyft?

No. “Public or livery conveyance” is excluded on personal auto policies. Ride share driving requires a specific endorsement that covers the gap between when you log onto the Transportation Network Platform (TNP) and when you accept a ride. Ask us about adding ride share coverage to your personal auto policy.

Claims & Policy Management FAQs

How do I file an insurance claim?

Contact your insurance carrier directly — they guide you through every step of the claims process. Carrier claims contact information → Your Bancorp agent is also available to help you navigate the process and advocate on your behalf.

What do I do if my claim is denied?

Contact your Bancorp agent immediately. We will review the denial, help you understand your options, and assist with the appeal process if the denial is unwarranted. Call 1-800-452-6826.

Can I switch insurance carriers?

Yes, at any time. We’ll handle the transition smoothly, coordinate cancellation of your prior policy, and ensure there is no lapse in coverage. Contact us if you’ve received a non-renewal or want to shop your coverage.

How often should I review my coverage?

Bancorp recommends an annual review for all policies. For contractors, any significant change in payroll, scope of work, or number of employees should trigger an immediate review. For wildland fire contractors, review your coverage before each fire season. For RV park operators, review property limits annually given construction cost changes. Schedule a free annual review today.

Wildfire & Natural Disaster Insurance FAQs

Does my homeowners policy cover wildfire damage?

Most standard homeowners policies cover wildfire damage, but coverage limits, exclusions, and eligibility requirements have tightened significantly for properties in high-risk zones. In Central Oregon and across the Pacific Northwest, policy terms vary widely by carrier and property. Ask us for a wildfire coverage review before fire season.

How can I reduce my wildfire risk and potentially lower my insurance premium?

Maintaining defensible space, using fire-resistant building materials, clearing brush within 100 feet, and participating in your local fire department’s mitigation programs can all improve your property’s risk profile. Some carriers offer discounts or improved eligibility for documented mitigation. Source: Oregon State Fire Marshal. Learn more about hardening your home with defensible space.

Is flood damage covered by homeowners insurance?

No. Flood insurance is a separate policy — it is not included in standard homeowners policies. If your property is near a floodplain, river, or snowmelt zone, a standalone flood policy through the National Flood Insurance Program (NFIP) or a private flood carrier is essential. Source: FEMA National Flood Insurance Program. Learn more about Oregon flood insurance.

What should my contracting business do to prepare for wildfire season?

For wildland fire contractors: verify your COIs are current and at the correct Forest Service district, confirm your lay-up credits are scheduled for off-season, and make sure your business income coverage is active for mobile operations. For all business owners, a pre-season coverage review is the best insurance you can get. Schedule a wildfire season readiness review with Bancorp.

Ready to talk to a specialist?

Whether you’re getting a new CCB license, heading into fire season, buying an RV park, or turning 65 — Bancorp Insurance has the specialized expertise to protect what matters most to you.

• 📞 1-800-452-6826
• 📧 bancorp@bancorpinsurance.com
• 📅 Book a free consultation online — in-person, virtual, or phone
• 📍 51473 Hwy 97, La Pine, OR 97739 | Mon–Fri 9am–5pm

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