As a result of outstanding performance and our solid partnership, Elliott, Powell, Baden, and Baker has been recognized as a Liberty Mutual Insurance Elite Agency for the second consecutive year.
This recognition is especially gratifying as it is awarded to less than 10% of independent agents who sell Liberty Mutual products.
“We are honored to be recognized by Liberty Mutual as one of their top 10% of insurance agencies in the United States, designating Elliott, Powell, Baden, and Baker as an Elite Agency for the second year in a row,” says EPB&B President Marc Baker. “It’s a testament to our team and to the customers placed with Liberty.”
This achievement reflects our commitment to providing exceptional service, quality coverage, and trusted expertise to our clients. At EPB&B, we strive to build lasting relationships and offer personalized insurance solutions that meet the diverse needs of our customers. We are grateful for the trust and support of our clients, whose loyalty and partnership have helped us earn this recognition.
Thank you to Liberty Mutual, our team, and our valued insureds for making this possible. We look forward to continuing to offer the highest level of insurance options while providing and exceptional customer experience.
When protecting your business, misconceptions about business insurance can lead to costly mistakes. Many Oregon business owners assume they don’t need coverage, believe their general liability policy protects against all risks, or underestimate the importance of specialized insurance. However, these myths can leave businesses vulnerable to financial loss, legal issues, and operational setbacks. Elliott, Powell, Baden, and Baker has a dedicated business insurance team to guide businesses in making informed decisions and finding the proper coverage and protection. Here are five common commercial insurance myths in Oregon to consider—and the truth behind them.
1. Small Businesses Don’t Need Insurance
Myth: Only large corporations need commercial insurance. Truth: All businesses, regardless of size, face risks such as property damage, lawsuits, cyberattacks, and employee injuries. A sole proprietorship or home-based business can also suffer financial losses without proper coverage. Oregon law requires Workers’ Compensation coverage for most Oregon companies with employees.
2. General Liability Covers Everything
Myth: Your business is fully protected if you have General Liability insurance. Truth: General liability insurance covers some third-party claims involving bodily injury or property damage but not everything that could happen to a business is covered. For example, General Liability insurance doesn’t cover damage to your auto (Business Auto) workplace injuries to employees (Workers’ Comp), cyberattacks (Cyber Liability), or professional mistakes (E&O insurance). Businesses often need multiple policies to be fully protected.
3. Commercial Auto Insurance Isn’t Necessary for Personal Vehicles
Myth: If you or your employees use personal vehicles for work, your personal auto policy will not cover accidents. Maybe: Depending upon your business, your personal auto insurance policy may exclude business use. If you or your employees drive for business purposes (deliveries, transporting goods, etc.), you may need commercial auto insurance to avoid denied claims.
4. Cyber Insurance is Only for Tech Companies
Myth: Only large tech companies need cyber liability insurance. Truth: Every business that stores customer data, accepts credit card payments, or uses digital systems is at risk. Small and medium-sized businesses are often prime targets for cybercriminals. Cyber insurance helps cover data breaches, ransomware attacks, and regulatory fines.
5. Workers’ Compensation is Only for Dangerous Jobs
Myth: Only construction and manufacturing companies need workers’ compensation insurance. Truth: Oregon law requires almost all businesses (even if you only have one employee) to have Workers’ compensation insurance, regardless of industry. Office jobs, retail, and hospitality workers can still suffer injuries like repetitive strain, slips, or falls. Without coverage, businesses may face fines and liability for medical costs.
Understanding the truth behind these myths can help Oregon business owners avoid financial losses, legal issues, and operational disruptions. Professional guidance on the right commercial insurance is essential for your business. Contact EPB&B, and we can help you find the right insurance for your business.
02/18/25
Building careers, one opportunity at a time at EPB&B
When children dream about their future careers, they often envision themselves as doctors, basketball players, teachers, or astronauts. But how often do you hear someone say, “I want to be an insurance agent”? Probably not as often.
At Elliott, Powell, Baden, and Baker, we believe that should change. Insurance is more than policies and claims—it’s about problem-solving, protecting people’s livelihoods, and making a real impact on businesses and families. That’s why we encourage individuals a to explore what the insurance industry has to offer.
A Gateway into the Insurance Industry
At EPB&B, we understand that many people don’t grow up with dreams of working in insurance, but that’s often because they don’t realize the diverse opportunities the industry provides. Whether someone is searching for a career change, re-entering the workforce, or simply unsure of their next step, we want to offer them a chance to discover if insurance is the right fit.
“Over time, we have developed a pathway that allows individuals exploring a new career path to see if insurance aligns with their skills and goals,” says EPB&B President Marc Baker. “It gives them insight into the various opportunities available within our agency and the industry as a whole.”
The pathway provides hands-on experience, mentorship, and exposure to the many facets of insurance, helping participants understand how they can build a fulfilling and successful career in this field.
Success Stories: From Reception Desk to Career Growth
The success of this initiative speaks for itself. EPB&B has maintained an impressive retention rate with many employees starting at entry-level positions and advancing into specialized roles within the company.
A prime example of this success can be seen in our Vice President of First Impressions pathway, an opportunity designed to welcome new talent at the front desk while introducing them to the broader industry. Our receptionists, often the first friendly faces our clients see, have used this role as a stepping stone to launch meaningful careers in insurance.
Currently, nine EPB&B team members have transitioned from their roles at the front desk to key positions across the agency. This proves that a strong work ethic, curiosity, and a willingness to learn can lead to incredible opportunities in the insurance industry.
Why Insurance? More Than Just a Job
So, what makes insurance a great career path? For starters, it’s an industry that offers:
Job Stability & Growth – The demand for insurance professionals remains strong, providing long-term career security.
Endless Learning Opportunities – From claims management, sales, and risk assessment, there are various roles to explore.
A Chance to Make a Difference – Insurance professionals help businesses and individuals protect what matters most, offering peace of mind and financial security.
Financial Rewards & Career Advancement – With dedication and skill development, employees can progress into higher-level positions and increase their earning potential.
A Supportive & Collaborative Environment – At EPB&B, we foster a culture of mentorship, teamwork, and career growth.
Could Insurance Be Your Next Career Move?
If you’re someone who: ✔ Is seeking a meaningful career path ✔ Enjoys helping people and businesses thrive ✔ Wants job stability and financial growth opportunities ✔ Thrives in a dynamic and evolving industry
Then insurance might be the right fit for you!
At EPB&B, we are always looking for motivated individuals who want to explore a career in insurance; whether you’re just entering the workforce, a seasoned insurance professional, switching industries, or looking for a fresh start.
If you’re interested in learning more, contact our HR Manager, Kim Hawkins, atkhawkins@epbb.com.
02/03/25
EPB&B Recognized as a Safeco Elite Agent for a fourth time
As a result of outstanding performance and an unwavering commitment to our customers, Elliott, Powell, Baden, and Baker has been recognized as a Safeco Elite Agent for the fourth time in the past five years.
This recognition is especially gratifying as it is awarded to less than 10% of independent agents who sell Safeco personal lines products. Achieving this prestigious designation highlights our continued dedication to excellence and our focus on delivering the best insurance solutions to our clients.
“It’s an honor to be recognized as one of Safeco’s top insurance agencies nationally for the fourth time in the past five years with their Elite Award,’ says EPB&B President Marc Baker. “It’s a reflection of our relationship, understanding and success with our Safeco partnership in which each and every EPB&B team member has played a role”
This recognition not only speaks to the hard work and dedication of our team but also to the trust and loyalty of our clients, who allow us to serve them year after year. It’s a true reflection of the collaborative effort that goes into delivering exceptional service.
Thank you to Safeco, our incredible team, and our valued insureds. We look forward to continuing this successful partnership and to providing even greater service in the years to come.
As an independent agent, we have access to a variety of quality insurance options. Contact the Personal lines team and we can help you find the right Home and Auto insurance for you.
