Gerald Ross Agency Inc.

09/08/2026

09/08/2026

🏛️ Historic downtown buildings are part of the character of many communities, but they can also create complex insurance questions.

Older commercial buildings may involve issues around replacement cost, code upgrades, renovation work, fire protection, plumbing, electrical systems, roofs, tenants, business interruption, loss of rents, and contractor activity.

Whether the property is home to a restaurant, retail shop, office, mixed-use space, gallery, professional service business, or renovation project, coverage should be reviewed carefully.

Insurance areas to consider may include:

• Commercial property
• Ordinance or law coverage
• Builders risk
• General liability
• Tenant improvements
• Business interruption
• Loss of rents
• Equipment breakdown
• Contractor insurance requirements
• Umbrella liability

Our latest Gerald Ross Agency blog looks at commercial property insurance for historic downtown buildings and renovation projects.

Read more:
https://ross-insurance.com/blog/commercial-property-insurance-historic-downtown-buildings-renovation

09/03/2026

🐟 Seafood businesses keep coastal supply chains moving.

From receiving fresh catch and unloading deliveries to icing, packing, freezing, processing, storing, selling, and delivering product, seafood operations can face insurance risks that are broader than a standard retail or warehouse policy.

Coverage areas to review may include:

• Commercial property
• Refrigeration systems and freezers
• Equipment breakdown
• Spoilage and temperature-change exposure
• Product liability
• Food-safety records and recall planning
• General liability
• Workers’ compensation
• Commercial auto and delivery routes
• Cyber and payment systems
• Business interruption
• Vendor, supplier, and contract requirements

A seafood business should describe how product actually moves through the operation, not rely on a broad label like “fish market” or “seafood business.”

Our latest Gerald Ross Agency blog looks at insurance considerations for seafood processors, cold-storage operators, fish markets, wholesalers, distributors, dockside buyers, and coastal businesses across Oregon, Washington, and Northern California.

Read more:
https://ross-insurance.com/blog/seafood-processing-cold-storage-fish-market-insurance-oregon-washington-northern-california

09/02/2026

🏘️ DOES YOUR HOA OR COMMUNITY ASSOCIATION HAVE THE RIGHT INSURANCE?

Homeowners associations and community associations can be responsible for a surprising amount of shared property and liability.

That may include:

🛣️ Private Roads & Shared Driveways
🌲 Common Areas & Landscaping
🚪 Gates, Signs & Fencing
🏠 Clubhouses & Community Buildings
💧 Drainage & Other Shared Infrastructure
🛡️ General Liability
👥 Directors & Officers Liability
💰 Crime & Fidelity Coverage
🏢 Association Property
☂️ Umbrella Liability

Shared private roads deserve particular attention. If an association is responsible for maintaining a road used by multiple homeowners, questions can arise involving property damage, maintenance responsibilities, liability, snow or storm conditions, and association agreements.

Board members also make decisions involving budgets, vendors, maintenance, assessments, rules, and property. Directors & Officers insurance can be an important part of protecting the people serving the community.

Gerald Ross Agency can help HOAs and community associations review what they own, what they maintain, and where potential coverage gaps may exist.

📞 (541) 469-3144

Read our latest guide:

https://ross-insurance.com/blog/community-associations-hoa-shared-private-roads-insurance-oregon-northern-california

Gerald Ross Agency — helping protect communities across the Oregon Coast, Southern Oregon, and Northern California.

09/01/2026

🎪 PLANNING A COMMUNITY FESTIVAL, FUNDRAISER OR CHARITY EVENT? MAKE SURE THE EVENT IS PROTECTED TOO.

Community events bring people together for great causes — but once you invite attendees, vendors, volunteers, performers, and sponsors onto a property, the insurance risks can grow quickly.

Gerald Ross Agency can help organizations explore coverage for:

🎪 Festivals & Community Celebrations
❤️ Charity Fundraisers
🏃 Walks, Runs & Benefit Events
🎵 Concerts & Live Entertainment
🛍️ Markets, Vendors & Exhibitors
👥 Volunteers & Event Staff
🛡️ General Liability
🏢 Event Property & Equipment
🍷 Liquor Liability, When Applicable
🌧️ Certain Weather-Related Event Risks
📋 Venue & Contract Insurance Requirements

A venue may require proof of insurance. Vendors may need their own coverage. Alcohol service can create additional liability. And larger events may need substantially different protection than a small private gathering.

If your nonprofit, community organization, business, or civic group is planning an event, we'd be happy to help you review the insurance before the gates open.

📞 (541) 469-3144

Read our latest guide:

https://ross-insurance.com/blog/community-festival-fundraiser-charity-event-insurance-oregon-northern-california

Gerald Ross Agency — helping protect community organizations and events across Oregon and Northern California.