Every Coverage Option,
Explained Clearly.

General liability is the foundation of any commercial insurance program. It covers legal defense costs and settlements if a customer slips at your location, a product you sell causes harm, or your advertising inadvertently infringes on a competitor. Most commercial leases and contracts require proof of general liability coverage.

Who needs it

Every business with physical operations, client-facing services, or any public exposure.

Whether you own your building or lease your space, commercial property insurance protects the physical assets that keep your business running. Coverage applies to your location, business personal property, and often business income if a covered loss forces temporary closure.

Who needs it

Any business that owns or leases physical space and holds valuable equipment, inventory, or improvements.

A Business Owner's Policy (BOP) is one of the most cost-effective ways to cover a small business. It packages the two most essential coverages into a single policy at a bundled rate. Many insurers allow you to add endorsements for cyber liability, professional liability, and equipment breakdown within the same BOP framework.

Who needs it

Small to mid-size businesses with fewer than 100 employees and under $5M in annual revenue who want comprehensive, affordable coverage in one place.

Oregon requires workers' compensation coverage for most employers, even those with a single part-time employee. It covers medical treatment, rehabilitation costs, and a portion of lost wages for employees injured on the job. It also protects employers from most civil lawsuits related to workplace injuries.

Who needs it

Any Oregon employer with one or more employees, including part-time and seasonal workers.

Also called Errors and Omissions (E&O) insurance, this coverage is essential for any business that provides advice, expertise, or professional services. If a client claims your work caused them financial loss, professional liability covers legal defense and any resulting damages. It's distinct from general liability, which covers physical injuries.

Who needs it

Consultants, architects, engineers, accountants, real estate agents, tech companies, and any business providing professional advice or services.

Cyber incidents are the fastest-growing source of business losses. A single data breach can cost hundreds of thousands of dollars in notification costs, regulatory fines, legal defense, and business interruption. Cyber liability insurance covers incident response, forensics, customer notification, credit monitoring, and more.

Who needs it

Any business that stores customer data, processes payments, or relies on digital systems to operate.

A catastrophic claim against your business can exceed the limits of your general liability, auto, or employers' liability policy. A commercial umbrella provides an additional layer of protection, typically in increments of $1M, at a relatively low cost per dollar of coverage. It is one of the highest-value commercial coverages available.

Who needs it

Any business with significant liability exposure, public-facing operations, a fleet of vehicles, or contractual requirements for higher limits.

Personal auto policies typically exclude coverage when a vehicle is used for business. Commercial auto insurance fills that gap with liability, collision, comprehensive, and uninsured/underinsured motorist coverage for business-owned or regularly business-used vehicles. It also covers hired and non-owned vehicles your employees drive for work purposes.

Who needs it

Businesses that own vehicles, regularly use vehicles for deliveries, client visits, or transportation of goods.

D&O coverage protects the personal assets of executives, board members, and officers if they are sued for decisions made in their professional capacity. Claims can come from shareholders, employees, customers, or regulators. Without D&O coverage, individuals can be personally liable for decisions made on behalf of the company.

Who needs it

Corporations, LLCs with multiple members, nonprofits, and any company with a formal board of directors or officers.

Standard homeowner's policies cover the structure of your home, detached structures, personal belongings, and personal liability. For high-value homes, a standard policy is rarely sufficient. The Adona Agency places clients with carriers that offer guaranteed replacement cost, broader perils, and significantly higher limits without the sub-limits that standard policies impose.

Who needs it

Any homeowner. Most mortgage lenders require it. High-value homes warrant a specialty private client program rather than a standard policy.

High-value home programs from carriers like Chubb, PURE, and Cincinnati offer guaranteed replacement cost (no depreciation cap), cash settlement options, extended replacement cost for custom features, and built-in coverage for items that standard policies exclude or sub-limit. These programs are designed for homes that would be costly or complex to rebuild to their original standard.

Who needs it

Owners of homes valued above $750,000, custom-built homes, historic properties, or homes with significant upgrades, artwork, or custom finishes.

Your landlord's insurance covers the building, not your belongings. Renters insurance is typically one of the most affordable coverages available and protects your personal property against theft, fire, water damage, and more. It also includes personal liability in case a guest is injured in your home.

Who needs it

Anyone renting an apartment, condo, or house. Many landlords now require it as a condition of leasing.

Oregon requires minimum auto liability coverage, but those minimums are often inadequate after a serious accident. High-net-worth individuals typically benefit from significantly higher liability limits and a personal umbrella policy layered on top. For everyday vehicles, we ensure your coverage is properly structured and competitively priced.

Who needs it

Every licensed driver in Oregon. Required by law to maintain minimum liability coverage.

A single serious accident or lawsuit can exceed the limits of your auto or homeowner's policy. A personal umbrella provides a critical buffer, protecting your savings, investments, and future income. For high-net-worth individuals, umbrella coverage is one of the most important and underutilized protections available.

Who needs it

Anyone with significant assets, a home, investment portfolio, or whose lifestyle increases liability exposure (pools, dogs, teenage drivers, domestic employees).

Standard homeowner's policies impose very low sub-limits on jewelry, art, and collectibles, often $1,500 to $2,500 per item. Scheduled personal property coverage insures each item at its full appraised value, with no deductible in many cases, and broader perils including mysterious disappearance. Blanket coverage provides aggregate limits for entire collections without itemizing each piece.

Who needs it

Anyone with jewelry, art, watches, wine, firearms, musical instruments, or collectibles worth more than a few thousand dollars.

Term life is the most straightforward life insurance product. You pay premiums for a set period (10, 20, or 30 years), and if you pass away during that time, your beneficiaries receive the death benefit. It delivers the highest death benefit per premium dollar and is ideal for income replacement during peak earning years.

Who needs it

Anyone with dependents, a mortgage, or financial obligations that would fall on others in the event of their death.

Whole life and universal life policies provide coverage for your entire life while accumulating cash value that grows tax-deferred. This cash value can be borrowed against, used to fund business buy-sell agreements, or passed on to heirs. For high-net-worth individuals, permanent life is frequently used as an estate planning and wealth transfer tool.

Who needs it

Individuals focused on estate planning, wealth transfer, business succession, or building a tax-advantaged savings component into their financial plan.

You are statistically far more likely to suffer a disabling illness or injury during your career than to die prematurely. Yet disability insurance is the most overlooked protection in most financial plans. Own-occupation policies are the gold standard for professionals, paying benefits even if you can work in a different field, as long as you cannot perform the duties of your specific occupation.

Who needs it

Physicians, attorneys, dentists, executives, and any professional whose income depends on their ability to work in a specific capacity.

Extended care costs in Oregon can exceed $10,000 per month for a nursing facility. Without long-term care insurance, these expenses come directly from your retirement savings. Modern hybrid LTC policies combine life insurance with long-term care benefits so that premiums are never truly lost, whether you need care or not.

Who needs it

Anyone over 50 who wants to protect their retirement assets from the risk of extended care expenses and not burden family members with caregiving decisions.

Collector vehicle policies use an agreed value, meaning you and the insurer agree on the vehicle's value up front, and that exact amount is paid in full at total loss with no depreciation deduction. Coverage often includes spare parts, car show participation, transit on enclosed trailers, and flexible mileage programs for vehicles driven on weekends or seasonally.

Who needs it

Owners of vintage, classic, kit, or exotic vehicles that have appreciated in value or would be expensive to restore or replace.

Marine insurance covers the physical vessel (hull), liability for damage to other vessels or injuries to third parties, and protection and indemnity (P&I) coverage. Medical payments for passengers and crew, towing and emergency assistance, and wreck removal are also typically included. Pacific Northwest cruising conditions, including the Oregon coast and Puget Sound, require coverage from carriers experienced with these waters.

Who needs it

Owners of any vessel used for personal pleasure, fishing, or cruising in open or coastal waters.

Vacant or seasonally occupied properties carry different risks than a primary residence. Standard homeowner's policies often exclude or limit coverage during extended vacancy periods. If your vacation home is rented through Airbnb, VRBO, or similar platforms, most personal policies provide no coverage during rental periods, and you may need a separate short-term rental policy or endorsement.

Who needs it

Owners of any property that is not their primary residence, whether used personally, rented, or left vacant seasonally.

High-net-worth individuals are disproportionately targeted by cyber criminals. Personal cyber coverage addresses the unique risks facing wealthy families: targeted phishing attacks, fraudulent wire transfers, social engineering, cyberbullying of family members, and compromise of smart home devices. It also covers identity restoration services and legal assistance to recover stolen funds.

Who needs it

High-net-worth families, individuals with significant online presence, or anyone who regularly conducts financial transactions online.

Oregon law may require workers' compensation for household employees even if they work part-time. Standard homeowner's policies typically exclude claims from domestic employees. A household employer policy provides workers' compensation, employer liability, and employment practices liability, protecting you if a household employee is injured or alleges wrongful termination.

Who needs it

Families who regularly employ nannies, housekeepers, personal assistants, groundskeepers, or estate managers.

When a business owner or key employee dies or becomes disabled, the impact on the company can be devastating. Business succession planning uses life and disability insurance to fund buy-sell agreements (so surviving partners can purchase a deceased partner's interest), and key person policies to compensate the business for the financial loss of an irreplaceable individual.

Who needs it

Business owners with partners or co-owners, companies with employees whose loss would significantly impact revenue or operations.