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# EPB&B Insurance: An independent insurance agency based in Portland, Oregon. Elliott, Powell, Baden & Baker has been an insurance industry leader in the Pacific Northwest for over 70 years

## Sitemaps
[XML Sitemap](https://epbb.com/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [Northwest Wildfire Season: Why an Independent Insurance Agent Matters](https://epbb.com/northwest-wildfire-season-why-an-independent-insurance-agent-matters/): Wildfire season is an important reminder for Pacific Northwest homeowners to take a closer look at their homeowners insurance coverage. Rising construction costs, changing property values, home improvements, and evolving wildfire risks can all affect whether the coverage you purchased several years ago is still appropriate today.
- [Before and After a Cyber Breach: How Cyber Insurance Helps Businesses Navigate the Promise and Perils of AI](https://epbb.com/before-and-after-a-cyber-breach-how-cyber-insurance-helps-businesses-navigate-the-promise-and-perils-of-ai/): Artificial intelligence (AI) is transforming how businesses operate. From streamlining manufacturing processes and improving quality control to accelerating product development and strengthening customer service, AI is helping organizations work more efficiently than ever before.
- [Renters Insurance for College Students](https://epbb.com/renters-insurance-for-college-students/): Heading to College in Oregon? Here's Why Renters Insurance Matters
- [Josh Brown Youth Memorial Soccer Scholarship 2026 recipients](https://epbb.com/josh-brown-youth-memorial-soccer-scholarship-2026-recipients/): The Baker Family Foundation recently had the honor of presenting four athletes selected to receive the Josh Brown Youth Memorial Soccer Scholarship: Vaida Primus, Maisie Stewart, and Brandon and Marlon Villalobos all who currently play for Oregon Surf FC. This is the third year the Baker family has had the opportunity to recognize local youth soccer players with this very meaningful scholarship.
- [Heat-Related Illness in the Workplace: What Oregon Employers Need to Know](https://epbb.com/heat-related-illness-in-the-workplace-what-oregon-employers-need-to-know/): Summer brings longer days and warmer temperatures across Oregon, but it also increases the risk of heat-related illness for employees who work outdoors or in hot environments. Construction crews, landscapers, agricultural workers, warehouse employees, and manufacturing teams are especially vulnerable to heat stress.
- [Summer Vacations; How your Homeowners insurance safeguards you while you are away.](https://epbb.com/summer-vacations-how-your-homeowners-insurance-safeguards-you-while-you-are-away/): Summer is the season of road trips, family getaways, and long-awaited vacations. While you're relaxing poolside, exploring a new city, or enjoying Oregon's mountains and coastline, it's important to know your home is protected while you're away.
- [Wildfire Season in Oregon: Is Your Homeowners Insurance Ready?](https://epbb.com/wildfire-season-in-oregon-is-your-homeowners-insurance-ready/): As we prepare for another dry summer in 2026 , now is the time to ask: Is your homeowners' insurance ready to protect your home and belongings in the event of a wildfire?
- [How A Homeowners Policy Covers  Backyard Celebrations](https://epbb.com/is-your-homeowners-policy-ready-for-backyard-celebrations/): As summer approaches in Oregon, many homeowners are preparing for graduation parties, backyard barbecues, and holiday gatherings. Outdoor spaces become the center of activity this time of year, and while hosting family and friends is exciting, summer entertaining can also create unexpected liability risks.
- [What Types of Insurance Does a Small Business Need in Oregon?](https://epbb.com/what-types-of-insurance-does-a-small-business-need-in-oregon/): If you own a business in Oregon, the right business insurance starts with a few core coverages, then expands based on how your business operates. Below are the most common types of insurance, along with simple, real-world examples.
- [Answering 3 Common Auto Insurance Questions in Oregon](https://epbb.com/answering-3-common-auto-insurance-questions-in-oregon/): Auto insurance policies can look similar, but the details matter, especially when you need to use your coverage. Below are answers to three of the most common questions we hear from Oregon drivers.
- [Safeco to Liberty Mutual: What Oregon Insurance Customers Need to Know](https://epbb.com/safeco-to-liberty-mutual-what-oregon-insurance-customers-need-to-know/): You may soon notice the name Liberty Mutual Insurance appearing more prominently on your policy documents and communications where you previously saw Safeco Insurance. This transition is part of a broader brand consolidation designed to simplify operations and create a more unified customer experience.
- [How Oregon Businesses Can Reduce Insurance Costs (Without Reducing Protection)](https://epbb.com/how-oregon-businesses-can-reduce-insurance-costs-without-reducing-protection/): At Elliott, Powell, Baden & Baker, Inc., we work with businesses across Oregon to help them control insurance costs while maintaining the protection they need. The most effective way to lower your business insurance premium is not by cutting coverage, but by mitigating risk, structuring policies correctly, and accessing the right insurance markets.
- [How to Compare Auto Insurance Quotes in Oregon ](https://epbb.com/how-to-compare-auto-insurance-quotes-in-oregon/): At Elliott, Powell, Baden & Baker, Inc., we’ve been helping individuals and businesses across Oregon navigate insurance decisions for decades. As an independent agency, we work with multiple top-rated carriers, allowing us to compare coverage and pricing on your behalf.
- [Do I Need Liability Coverage in Oregon?](https://epbb.com/do-i-need-liability-coverage-in-oregon/): At Elliott, Powell, Baden & Baker, Inc. (EPB&B), we help individuals and businesses across Oregon understand how insurance protects their finances and their future. One of the most important protections in many insurance policies is liability coverage. Whether you are driving a car, owning a home, or operating a business, liability insurance helps protect you if you are responsible for injuries or property damage to others. Understanding how liability coverage works can help you choose limits that better protect your assets.
- [Insurance For Oregon’s Life Sciences & Biotechnology Innovation](https://epbb.com/insurance-for-oregons-life-sciences-biotechnology-innovation/): Oregon’s life sciences and biotechnology industries are vital drivers of the state’s economy , fueling innovation, creating high-quality jobs, and making meaningful contributions across healthcare, agriculture, environmental science, and marine biology. From cutting-edge medical research to sustainable technologies rooted in the Pacific Northwest’s natural resources, Oregon organizations are shaping healthier communities locally and beyond.
- [Five common business insurance myths in Oregon ](https://epbb.com/five-common-business-insurance-myths-in-oregon/): 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.
- [EPB&B Insurance Proudly joins the Portland Trail Blazers Small Business Partner Program](https://epbb.com/epbb-insurance-proudly-joins-the-portland-trail-blazers-small-business-partner-program/): This opportunity is especially meaningful to our team because EPB&B has been proud Trail Blazers season ticket holders since 1969. For more than five decades, we’ve cheered from the stands, celebrated unforgettable moments, and watched generations of fans come together around Portland’s hometown team. Becoming a Small Business Partner feels like a natural next step in a relationship that’s been building for over half a century.
- [7 essential tips to disaster proof your  Homeowners Insurance](https://epbb.com/7-essential-tips-to-disaster-proof-your-homeowners-insurance/): If disaster strikes your home in the Pacific Northwest, you will need homeowners insurance coverage to help you rebuild, repair and replace the damage that occurred.  As you deal with the uncertainty and stress of recovery, the last thing you need to is try and wade through insurance process wondering if and how your home with be protected from loss.  Take action now. Let the team at EPB&B help you you evaluate your coverage and guide you through the insurance process before disaster strikes.  Here are seven ways to be proactive in protecting you and your home. 
- [Do You Need Earthquake Insurance?](https://epbb.com/do-you-need-earthquake-insurance/): If you live in the Pacific Northwest, earthquake insurance is an important consideration—even if your mortgage lender does not require it. Standard homeowners' insurance policies typically exclude damage caused by earthquakes, earth movement, or ground shaking.
- [Homeowner, Renter, or Landlord; Which Insurance Policy Is Right For You?](https://epbb.com/homeowner-renter-or-landlord-which-insurance-policy-is-right-for-you/): Your insurance needs change depending on your living situation and stage of life. The Personal Lines Team at EPB&B is here to help you select the right coverage; whether you own, rent, or lease out a property. Understanding the key differences between dwelling insurance policies can help keep you protected.
- [Start 2026 Protected: Your Insurance Check-In for the New Year](https://epbb.com/start-2026-protected-your-insurance-check-in-for-the-new-year/): A new year brings new goals; maybe you're planning to get healthier, travel more, or make a big career move. But as you build your resolutions for 2026, don’t forget one essential item that often gets overlooked: your personal insurance coverage. Life changes quickly, and a yearly insurance review woththe team at EPB&B Insurance can put the proper coverage in place so that you, your family, and the things you value most are protected.
- [EPB&B Spreads Holiday Cheer Through Community Giving](https://epbb.com/epbb-spreads-holiday-cheer-through-community-giving/): The holiday season is a time for gratitude, generosity, and coming together to support our neighbors. At EPB&B Insurance, giving back has always been core to who we are. This December, our team continued long-standing traditions of service while strengthening partnerships with three incredible Portland organizations that work tirelessly to uplift our community.
- [Holiday Travel Safety: 5 Tips to Stay Safe on the Road This Season](https://epbb.com/holiday-travel-safety-5-tips-to-stay-safe-on-the-road-this-season/): The holiday travel season is one of the busiest times of the year. Whether you are driving across town or heading out for a long winter road trip, a little preparation can go a long way toward keeping you and your family safe. Winter weather, increased traffic, and seasonal distractions can all raise the risk of accidents, which is why practicing safe winter driving and understanding your auto insurance coverage are essential.
- [Five Holiday Decorating Hazards That Could Affect Your Homeowners Insurance](https://epbb.com/five-holiday-decorating-hazards-that-could-affect-your-homeowners-insurance/): To help you celebrate safely, here are the top five holiday decorating risks and how to avoid them.
- [Oregon Businesses: Are You Getting Overcharged on Your Workers’ Compensation Audit? ](https://epbb.com/oregon-businesses-are-you-getting-overcharged-on-your-workers-compensation-audit/): Workers’ compensation in Oregon can be confusing, mainly because our state differs from most others. Under ORS 656.027, certain types of workers, including many independent contractors, are exempt from needing workers’ compensation coverage.
- [Proactive Steps to Reduce Employment Practices Liability in 2026](https://epbb.com/proactive-steps-to-reduce-employment-practices-liability-in-2026/): Across the business insurance industry in Oregon, carriers are anticipating continued activity in Employment Practices Liability (EPL) and personal injury claims as workplace dynamics evolve. In 2026, wrongful termination claims are expected to increase, alongside disputes related to diversity and inclusion policies, employee privacy, and workplace conduct.
- [EPB&B  Celebrates Willamette Week’s Give!Guide Season With Matching Gifts for Path Home and Stone Soup](https://epbb.com/epbb-celebrates-willamette-weeks-giveguide-season-with-matching-gifts-for-path-home-and-stone-soup/): Although the Give!The Guide is in full swing as of November 1. Throughout December, EPB&B will be rallying behind two incredible organizations making a lasting impact on Portland families and communities: Path Home and Stone Soup PDX.
- [How Trade Credit Supports Oregon Manufacturers in a Competitive Market](https://epbb.com/how-trade-credit-supports-oregon-manufacturers-in-a-competitive-market/): Oregon’s manufacturing industry continues to evolve, prompting companies to grow, innovate, and remain competitive in an increasingly complex economic landscape. Between rising material costs, extended payment cycles, and ongoing investments in equipment and technology, maintaining a healthy cash flow is critical for long-term success. One tool that can provide valuable stability and flexibility is trade credit.
- [EPB&B Named a Top Corporate Philanthropist 2025  by the Portland Business Journal](https://epbb.com/epbb-named-a-top-corporate-philanthropist-2025-by-the-portland-business-journal/): This year marks an exciting new milestone for us, as it’s the first year EPB&B has been recognized in the medium-sized business category, after many years of recognition in the small business category. It’s a reflection of our continued growth, and even more, of our ongoing commitment to giving back as we grow.
- [Six reasons Oregon businesses need Cyber Liability Coverage](https://epbb.com/six-reasons-oregon-businesses-need-cyber-liability-coverage/): Data breaches can be devastating for any business. They can expose sensitive customer information, financial records, or intellectual property, leading to significant financial losses and legal ramifications. The cost of a data breach can include legal fees, notification expenses, credit monitoring for affected customers, regulatory fines, and even potential lawsuits. Cyber security coverage helps mitigate these costs, providing financial support for legal defense, settlement fees, and the resources needed to respond to a breach effectively. This offers protection that a data breach doesn’t cripple your business financially.
- [EPB&B is the title Sponsor of the Oregon Music Hall of Fame for eighteenth consecutive year](https://epbb.com/epbb-is-the-title-sponsor-of-the-oregon-music-hall-of-fame-for-eighteenth-consecutive-year/): For the Eighteenth consecutive year, Elliott, Powell, Baden, and Baker is proud to be the title sponsor of the Oregon Music Hall of Fame (OMHOF)induction ceremony, which was held October 11th, at the Alladin Theatre in Southeast Portland.  The Oregon Music Hall of Fame honors Oregonians who have contributed to or significantly impacted the music industry's evolution, development, and perpetuation.
- [Six Things You Can Do Around Your Home to  Save Money on Your Homeowners Insurance](https://epbb.com/six-things-you-can-do-around-your-home-to-save-money-on-your-homeowners-insurance/): At Elliott, Powell, Baden & Baker, we know that protecting your home is about more than just carrying the right insurance coverage; it’s also about making smart choices that reduce risk. The good news? Many of these choices can also help lower your Homeowners' Insurance premiums. Here are six practical steps you can take around your home that may save you money on your insurance policy.
- [EPB&B Presents over $50,000 to two Portland community non profit organizations.](https://epbb.com/epbb-presents-over-50000-to-two-portland-community-non-profit-organizations/): We are thrilled to announce that this year’s EPB&B Industry Open House and Fundraiser, held in September 2025, raised more than $50,000 for two incredible Portland-area nonprofits: Kim's Place and Blooming Boutique .
- [EPB&B Insurance Named a Top Workplace in Oregon for 2025](https://epbb.com/epbb-insurance-named-a-top-workplace-in-oregon-for-2025/): This recognition means a great deal to us because it comes directly from the voices of our employees. It can’t be bought, it has to be earned through positive feedback and authentic experiences from the people who make EPB&B what it is every single day.
- [EPB&B Open House raises  over $50,000 for two local Portland non profit organizations](https://epbb.com/epbb-open-house-raises-over-50000-for-two-local-portland-non-profit-organizations/): September eighteenth we hosted our 18th Annual Elliott, Powell, Baden & Baker Industry Open House—and thanks to our incredible community, we raised over $50,000 in support of two amazing Portland-area nonprofits: Kim’s Place and Bloomin’ Boutique.
- [SAIF declares $50 million dividend to policyholders](https://epbb.com/saif-declares-50-million-dividend-to-policyholders/): EPB&B is pleased to share the following press release from our trusted Workers’ Compensation partner, SAIF Corporation.
- [Top 7 Fall Home Maintenance Tips Every Homeowner Should Know](https://epbb.com/top-7-fall-home-maintenance-tips-every-homeowner-should-know/): Leaves, pine needles, and debris can quickly clog gutters, causing water to back up and damage your roof, siding, or foundation. Take time to clean them out and check that downspouts direct water away from your home.
- [Business Insurance for Homeowners Associations](https://epbb.com/business-insurance-for-homeowners-associations/): Homeowners Associations (HOAs) play a critical role in maintaining community standards, managing shared spaces, and protecting property values. But along with these responsibilities comes significant financial and legal exposure. At Elliott, Powell, Baden & Baker, we understand the unique needs of HOAs across Oregon and beyond. We have access to insurance carriers that offer plans designed explicitly for Homeowners Associations. 
- [EPB&B Team Members Walk Portland To Coast For Cancer Awareness](https://epbb.com/epbb-team-members-walk-portland-to-coast-for-cancer-awareness/): Record breaking heat (the hottest in race history), couldn't stop six EPB&B team members and from lacing up last weekend to take on the 128-mile 2024 Portland to Coast relay—the world’s largest and most popular walking relay, drawing participants from all 50 states and more than 40 countries.
- [Business Insurance Discounts & ROI with Leak Detection](https://epbb.com/insurance-discounts-roi-with-leak-detection/): Extensive property damage and crushing business interruptions from unchecked water can lead to significant losses which can translate into costly changes to your Business Insurance. In the third of this three part series the professionals at UBX and EPB&B Insurance explore how modern leak detection technology can mitigate these costs. 
- [Common Water Damage Risks & Prevention For Businesses Using Leak Detection Sensors](https://epbb.com/common-water-damage-risks-prevention-for-businesses-using-leak-detection-sensors/): From extensive property damage to debilitating business interruptions, unchecked water can lead to significant losses which can translate into costly changes to your Business Insurance. At Elliott Powell Baden and Baker Insurance we are here to provide resources that can protect your business in all aspects. Here the professionals at UBX discuss some specific threats businesses face from water intrusion and explores how modern leak detection technology addresses these challenges. 
- [The Impact of Modern Leak Detection on Property Insurance](https://epbb.com/the-impact-of-modern-leak-detection-on-property-insurance/): Modern leak detection technology can proactively shield your assets, minimize disruptions, and unlock significant savings on your insurance premiums.
- [Josh Brown Youth Memorial Soccer Scholarship 2025 recipients](https://epbb.com/josh-brown-youth-memorial-scholarship-2025-recipients/): The Baker Family Foundation recently had the honor of presenting two athletes selected to receive the Josh Brown Youth Memorial Soccer Scholarship: Victoria Flores-Ramirez and Jordan Rodriguez, both who currently play for Oregon Surf FC. This is the second year the Baker family has had the opportunity to recognize local youth soccer players with this very meaningful scholarship.
- [Why businesses need General  Liability Coverage ](https://epbb.com/why-businesses-need-general-liability-coverage-2/): General liability insurance is a critical safeguard for businesses of all sizes, offering financial protection against claims involving bodily injury, property damage, and personal injury that may occur on your premises or as a result of your business operations. Whether you're a well-established corporation or a growing startup, the experienced team at Elliott, Powell, Baden & Baker has access to a wide range of general liability insurance solutions. We’ll work with you to tailor a policy that meets your unique needs—so you can focus on running your business with confidence.
- [How Oregon Homeowners Insurance can protect you from firework damage](https://epbb.com/how-oregon-homeowners-insurance-can-protect-you-from-firework-damage/): As summer celebrations ramp up across Oregon, fireworks often play a major role in the fun. But with the beauty of fireworks comes real risk—especially during Oregon’s increasingly dry wildfire seasons. At Elliott, Powell, Baden & Baker, we want to ensure you’re not only enjoying your festivities, but also staying safe and protecting what matters most—your home, family, and community.
- [Everything You Need to Know about Surety Bonding for Oregon Businesses](https://epbb.com/surety-bonding-for-oregon-business/): Operating a business in Oregon often requires more than insurance and licensing. For many industries—especially construction, contracting, and public service—surety bonding is a key component of regulatory compliance and risk management.
- [The Importance of Boat Insurance: Protecting Your Watercraft and Peace of Mind](https://epbb.com/the-importance-of-boat-insurance-protecting-your-watercraft-and-peace-of-mind/): Is Boat Insurance Required in Oregon? Why It’s a Smart Investment for Oregon Boaters
- [What Affects Your Auto Insurance Premium in Oregon? Here’s What You Should Know](https://epbb.com/what-affects-your-auto-insurance-premium-in-oregon-heres-what-you-should-know/): When it comes to car insurance in Oregon, your rate isn’t just about your car—it’s about you. At Elliott, Powell, Baden & Baker Insurance, we believe that understanding what influences your auto premium can empower you to make better decisions and potentially lower your costs.
- [Group Benefit Plan Options for Employers in Oregon](https://epbb.com/group-benefit-plan-options-for-employers-in-oregon/): At Elliott, Powell, Baden, and Baker Insurance, every Oregon business deserves a benefits plan as unique as the people who make it successful. When it comes to offering health insurance to your team, there are a variety of group coverage options to fit your company’s size, industry, and budget.
- [ Oregon State Minimum Requirements for Business Insurance](https://epbb.com/oregon-state-minimum-requirements-for-business-insurance/):  Starting or growing a business in Oregon is exciting, but it also means ensuring proper protection. Business insurance helps safeguard your investment from the unexpected. In some cases, it’s not just a brilliant idea—it’s required by law.
- [EPB&B in the Community: A Week of Giving Back](https://epbb.com/epbb-in-the-community-a-week-of-giving-back/): At EPB&B Insurance, community is at the heart of everything we do. Supporting organizations that uplift and empower people in need isn’t just something we talk about—it’s something we live. This past week, our team had the privilege of engaging with several incredible local nonprofits that are making a real difference in the Portland area. Here’s a look at how we’ve been showing up for our community:
- [The Importance of Auto Insurance in Protecting Against Distracted Driving Accidents](https://epbb.com/the-importance-of-auto-insurance-in-protecting-against-distracted-driving-accidents/): Personal auto insurance serves as a critical safety net, especially given the prevalence of distracted driving incidents. Seemingly harmless actions—like taking a bite of a burger, checking navigation, or flipping through music—can lead to severe accidents. April is recognized as National Distracted Driving Awareness Month, highlighting the importance of attentive driving and the dangers of multitasking behind the wheel.
- [Artificial Intelligence Highlights The Need For Cyber Insurance](https://epbb.com/artificial-intelligence-highlights-the-need-for-cyber-insurance/): Artificial Intelligence reduces human error, drives innovation and allows for faster decision-making, but it can also make it easier for cybercriminals. While AI is not inherently malicious, cybercriminals can exploit its capabilities to conduct more sophisticated and efficient attacks on Oregon Businesses highlighting the ever growing need for cyber liability insurance.
- [EPB&B Spring Newsletter; Insurance tips, insights and updates](https://epbb.com/epbb-spring-newsletter-insurance-tips-insights-and-updates/): As the seasons change and new opportunities bloom, Elliott, Powell, Baden, and Baker Insurance is here to keep you informed and protected. In this Spring Newsletter, we’re excited to share the latest industry insights, risk management tips, and company updates to help you navigate the months ahead with confidence. Beyond insurance, we’re proud to highlight our ongoing community involvement, from local charity partnerships to volunteer efforts that make a difference. Plus, stay up to date on the latest happenings at EPB&B, including employee spotlights and referral incentives. Thank you for being part of the EPB&B family—let’s make this season one of growth, security, and giving back!
- [Spring into Safety: How Homeowners Insurance Covers Your Outdoor Projects](https://epbb.com/spring-into-safety-how-homeowners-insurance-covers-your-outdoor-projects/): Oregon's unique climate, with its potential for heavy rain, windstorms, and even late-season frosts, makes it especially important to consider potential risks.  At Elliott, Powell, Baden and Baker Insurance, we have a dedicated team of professionals to work with you in finding the best Homeowners insurance coverage to protect your investments.
- [EPB&B recognized as a Liberty Mutual Elite Agency for second consecutive year.](https://epbb.com/epbb-recognized-as-a-liberty-mutual-elite-agency-for-second-consecutive-year/): 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.
- [Building careers, one opportunity at a time at EPB&B](https://epbb.com/building-careers-one-opportunity-at-a-time-at-epbb/): 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.
- [EPB&B Recognized as a Safeco Elite Agent for a fourth time](https://epbb.com/epbb-recognized-as-a-safeco-elite-agent-for-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.
- [Insurance for Solopreneurs in Oregon](https://epbb.com/insurance-for-solopreneurs-in-oregon/):  Whether a large corporation or a small start-up company, business insurance, including solopreneurs, is essential to owning a business in Oregon. Solopreneurs start and run their businesses independently, without co-founders or employees. The term is a blend of "solo" (meaning one person) and "entrepreneur" (meaning someone who takes on the risk of starting a business).
- [Three reasons to review your personal insurance annually](https://epbb.com/three-reasons-to-review-your-personal-insurance-annually/): Like many Americans, cleaning up your diet or finding your dream job might be at the top of your resolutions list in 2025, but when setting goals, don’t forget about your Home and Auto insurance. Many life events can change in a year and it is easy to go on autopilot when it comes to renewal time; Contact the team ant Elliott, Powell, Baden and Baker for a simple policy review that can help protect you and your family should the new year bring big changes or an unexpected occurrence.
- [This holiday please support the Josh Brown Youth Memorial Soccer Scholarship](https://epbb.com/this-holiday-please-support-the-josh-brown-youth-memorial-soccer-scholarship/): Christmas Day marks the one year anniversary of the passing of a member of the Baker family, Josh Brown, who lost his life in a tragic car accident. Josh is the nephew of Elliott, Powell Baden and Baker President, Marc Baker and the loss to his friends and family has been profound. It is on this one year anniversary that the Baker Family is asking the community to consider making a donation to the Josh Brown Youth Memorial Soccer Scholarship.
- [EPB&B presents a $5,000 matching gift to Stone Soup PDX](https://epbb.com/epbb-presents-a-5000-matching-gift-to-stone-soup-pdx/): If you donate to Portland based non profit Stone Soup  Elliott, Powell, Baden, and Baker will match your gift,  That was the promise the team EPB&B made to the community, and we always try and keep our promises. 
- [Hosting holiday parties: Five ways to address liability risk](https://epbb.com/hosting-holiday-parties-five-ways-to-address-liability-risk/): Are you planning to rock around the Christmas tree with friends and family this season? Along with the  fun and festivities, when hosting people for a holiday party, there is always a risk of unexpected  liability concerns. With some pre preparation and a thorough review of your homeowner's insurance policy some of this risk can be mitigated. Here a five risks hosts should be aware of to ensure the safety and well-being of their friends, family and property.
- [Eight essential steps for safe online shopping](https://epbb.com/eight-essential-steps-for-safe-online-shopping/): Cyber Monday has become a highly anticipated event for online shoppers, offering steep discounts and exclusive deals across various platforms. However, the convenience of online shopping comes with risks, including potential scams, identity theft, and cyberattacks. To make the most of your Cyber Monday shopping experience while safeguarding your personal and financial information, it's important to adopt certain safety measures. Below are some practical tips to protect yourself when shopping online this Cyber Monday.
- [How small businesses will benefit from having an Independent Agent](https://epbb.com/how-small-businesses-will-benefit-from-having-an-independent-agent/): At Elliott, Powell Baden, and Baker Insurance, we love working with small businesses in Oregon and Southwest Washington, so much so that we have a dedicated team that works only with small businesses. In the world of small business, every decision counts. From product development to customer service, each element of a small business’s operation directly impacts its success. One often overlooked but crucial decision is choosing the right insurance coverage. For small businesses, having an independent agent like  Elliott, Powell, Baden, and Baker can make a difference.
- [Please Buckle Up: It is the Law ](https://epbb.com/please-buckle-up-it-is-the-law/): Wearing a seatbelt is one of the simplest yet most effective ways to protect yourself in a car, and in Oregon, it is the law (see box below). Seatbelts are designed to secure occupants in their seats during a collision or sudden stop, preventing them from being thrown around inside the vehicle, which can lead to severe injury or death. Seat belts can significantly reduce the risk of injury or death in a car crash. According to the National Highway Traffic Safety Administration,  wearing a seat belt in the front seat can reduce fatalities by 45% and moderate-to-critical injuries by 50%. 
- [Winter Travel: Tips to prepare for unexpected road conditions  ](https://epbb.com/winter-travel-tips-to-prepare-for-unexpected-road-conditions/): Driving through Oregon, with its lush, colorful landscapes, can be a relaxing adventure throughout most of the year. Still, Oregon Winters can bring treacherous conditions that require extra precautions and preparation to ensure safety on the road. Snow, ice, and freezing temperatures can make driving treacherous, with poor visibility and slippery surfaces leading to accidents or breakdowns. A well-prepared vehicle and an emergency car kit can make a big difference if you get stranded or face unforeseen circumstances. Here’s what you need to know about winter driving and what should be in a disaster supply car kit.
- [Eight tips for driving safely on Halloween night](https://epbb.com/eight-tips-for-driving-safely-on-halloween-night/): Halloween is exciting, especially for kids who eagerly dress up and venture out for trick-or-treating. However, it's also a time when drivers must be extra cautious. The National Safety Council reports that children are more than twice as likely to be hit by a car on Halloween compared to any other day of the year. With streets bustling in the Portland Metro area with young pedestrians, visibility is often limited due to costumes and darkness.   The responsibility falls heavily on drivers to help keep the night safe. Here are some essential safety tips for drivers on Halloween night:
- [EPB&B recognized once again as a Top Corporate Philanthropist](https://epbb.com/epbb-recognized-once-again-as-a-top-corporate-philanthropist-2/): Taking care of our team members, customers, and the people in the Portland community is what EPB&B is all about. Because of this, we are happy to announce that EPB&B has once again been recognized by the Portland Business Journal as a Top Corporate Philanthropist award winner, coming in at an impressive #2  on the list of small businesses for the second consecutive year and showing an eight percent increase in financial giving from 2023. 
- [Preparing Your Teen for Winter Driving In Oregon](https://epbb.com/preparing-your-teen-for-winter-driving-in-oregon/): Winter in Oregon can bring challenging driving conditions, especially for new drivers. Preparing your teen for the road is essential for parents of teen drivers. Snow, ice, sleet, and reduced visibility can make winter driving dangerous, but your teen can confidently handle these conditions with the proper preparation. Here’s a comprehensive guide on how to get your teen ready for winter driving:
- [EPB&B is the title sponsor for the Oregon Music Hall of Fame for seventeenth year](https://epbb.com/epbb-is-the-title-sponsor-for-the-oregon-music-hall-of-fame/): For the seventeenth consecutive year, Elliott, Powell, Baden, and Baker is proud to be the title sponsor of the Oregon Music Hall of Fame (OMHOF)induction ceremony, which was held October 12th, at the Alladin Theatre in Southeast Portland.  The Oregon Music Hall of Fame honors Oregonians who have contributed to or significantly impacted the music industry's evolution, development, and perpetuation.
- [The Importance of a Fall Home Cleanup for Insurance Protection](https://epbb.com/the-importance-of-a-fall-home-cleanup-for-insurance-protection/): As the leaves begin to change and temperatures drop in The Portland Metro area, many homeowners shift their attention from summer fun to preparing for the colder months ahead. A thorough home cleanup is often an overlooked but crucial aspect of fall preparations. Not only does this help maintain the appearance and function of your property, but it can also protect your home from potential hazards that could lead to insurance claims.
- [EPB&B Open House raises $50,000 for two Portland non profits](https://epbb.com/epbb-open-house-raises-50000-for-two-portland-non-profits/): Last Thursday marked the seventeenth annual Elliott, Powell, Baden, and Baker Industry Open House, raising a record $50,000 for Portland Area non profits, Angels in the Outfield and Michelle's Love. Traditionally, our open house is held in November to kick off the holiday season. This year however, we took advantage of the beautiful Oregon fall weather and partnered with OMSI, holding our event in their beautiful outdoor arboretum. 
- [The importance of having Life Insurance](https://epbb.com/the-importance-of-having-life-insurance/): Life is unpredictable. While we often plan for the best, preparing for the unexpected is essential. Life insurance is a vital tool in ensuring that your loved ones are financially protected in the event of your untimely passing. Despite its importance, many people delay or avoid purchasing life insurance due to misconceptions or a reluctance to consider mortality. There are several types of life insurance, and at Elliott, Powell, Baden & Baker, our dedicated team will help customize the right policy for you.
- [SAIF Corporation declares a $60 million dividend to policy holders in Oregon](https://epbb.com/saif-corporation-declares-a-60-million-dividend-to-policy-holders-in-oregon/): EPB&B is pleased to share the following press release from our professional Workers' Compensation partner, SAIF Corporation. For the past twenty years a member of EPB&B has served on the SAIF agency council and it continues to be our privilege to work with a company that cares about their customers and the health and safety of Oregon workers .
- [EPB&B walks Portland to Coast for cancer awareness](https://epbb.com/epbb-walks-portland-to-coast-for-cancer-awareness/): Proving to be a great team not only in the Portland Insurance business, but on the road raising money for cancer awareness as well. Seven EPB&B team members, headed out to tackle the 128-mile 2024 Portland To Coast relay last weekend, otherwise known as the most popular and largest walking relay race in the world, annually drawing participants from over 40 countries and all 50 states. 
- [How To Avoid moving company scams](https://epbb.com/how-to-avoid-moving-company-scams/): Portland Oregon Home and Auto Insurance Agent.
- [Construction Insurance in Oregon](https://epbb.com/construction-insurance-in-oregon/): At Elliott, Powell, Baden and Baker we understand the unique risks and challenges faced by the construction industry in the Northwest. Our comprehensive insurance solutions are designed to protect your business, employees, and projects, giving you the peace of mind to focus on building and growing your business .
- [What to do after you have been involved in a auto collision in Oregon](https://epbb.com/what-to-do-if-you-are-in-a-car-accident/): Most people purchase auto insurance in Oregon hoping they will never need it but in the unfortunate event of a car accident, being properly covered can help mitigate the stress and cost involved in a collision. The team at EPB&B insurance can help you put the right coverage in place and be by your side to guide you during the post-collision process. Knowing the basic steps in advance of a potential car accident can help you stay calm and take the steps necessary to protect yourself.
- [The Basics of Renters Insurance In Oregon](https://epbb.com/oregon-renters-insurance-basics/): Whether renting an apartment in Portland for the first time or an oceanfront house at the Oregon Coast Renters Insurance is a must-have for anyone renting a living space. Renters Insurance is designed to protect individuals who rent their living space. The Personal Lines team at Elliott, Powell, Baden, and Baker will take the time to explain coverages and find the best plan to protect you and your assets.  Here are the basics of what renters insurance typically covers and how it works:
- [Baker Family Foundation introduces the first two Josh Brown scholarship recipients](https://epbb.com/baker-family-foundation-introduces-the-first-two-josh-brown-scholarship-recipients/): Today, the Baker Family Foundation had the honor of presenting the first two athletes to receive the Josh Brown Youth Memorial Soccer Scholarship: Zaid Nehiri and Lily Huynh, who play for Oregon Surf FC. 
- [EPB&B  welcomes another third generation Baker to the team](https://epbb.com/epbb-welcomes-another-third-generation-baker-to-the-team/): It has been a long time coming but the team at EPB&B is thrilled to officially welcome Brennan Baker as our new Summer Intern as he begins his role as the new Vice President of First Impressions. He has some big shoes to fill as Jane Reed who has excelled in the position for the past nine months has been promoted to the position of Finance Assistant.
- [Wildfire Season:  5 ways Homeowners Insurance can protect you](https://epbb.com/wildfire-season-how-homeowners-insurance-can-protect-you/): Summer fun is here in Oregon, and so is wildfire season. Ensure you have the right Homeowners insurance in place to safeguard your home and belongings in the event of a fire. Homeowners Insurance typically covers damage caused by wildfires; however, the seasoned team of Personal Lines professionals at EPB&B  will collaborate with you to help you comprehend the extent of coverage and any limitations to your current homeowners Policy, providing you with the assurance you need.  
- [Include a National Driver Register (NDR) report in your pre employment screening ](https://epbb.com/include-a-national-driver-register-ndr-report-in-your-pre-employment-screening/): As a small business Oregon it is prudent to conduct a thorough pre employment screening before hiring a new employee and checking references, confirming skill competency and background checks are all part of the process.  What is often overlooked is running a National Driver Register (NDR) report on prospective employees PRIOR to hire. Neglecting to run an NDR report for businesses that require employees to drive such as delivery services, trucking and construction can be a costly mistake.  As a business owner, here are five reasons it is important to include an NDR report as part of your pre hire checklist:
- [Does Car Insurance in Oregon follow the car or the driver?](https://epbb.com/does-car-insurance-in-oregon-follow-the-car-or-the-driver/): A friend asks to borrow your car while they are in town.  Is it a safe idea to do so? Maybe. 
- [EPB&B gives a gift to Stone Soup in recognition of their fifth anniversary](https://epbb.com/epbb-gives-a-big-gift-to-stone-soup-in-recognition-of-their-fifth-anniversary/): As a Portland based insurance agency, one of our core values is giving back to the local area non profits that provide help and hope to those in need in our Portland Community. Stone Soup is one of the organizations we have been proud to support since their inception five years ago. This week we were honored to be a part of their Celebrating Five Years of Portland Good and Good for Portland in recognition of providing five years of workforce development & hands-on culinary expertise to people at risk of houselessness. Guests of the event got to sample items off their new catering menu while learning about some of the exciting new changes in their culinary program in the year ahead. And of course, never one to arrive empty handed, the team at EPB&B brought along a gift of $5,000 in appreciation for all that Stone Soup does for our community.
- [Car theft is on the rise; Five ways to protect your vehicle.](https://epbb.com/car-theft-is-on-the-rise-five-ways-to-protect-your-vehicle/): Auto thefts continue to be on the rise.  According to the National Insurance Crime Bureau (NICB), 2023 was a record breaking year for auto thefts across the country, with Oregon ranking ninth with an auto theft rate of 394 per 100,000.  Criminals are using more advanced technology to find weaknesses allowing them to bypass even the most modern security systems.  While the NICB is continually working with State and national law enforcement to curb auto thefts, there are precautions vehicle owners can take to lower the chances of being a victim of auto theft. 
- [Eight things to consider before purchasing a vacation property](https://epbb.com/eight-things-to-consider-before-purchasing-a-vacation-property/): Purchasing a vacation home is an exciting endeavor.  Whether you are looking for a tropical escape from the dark Portland winters, craving the bustle of a big metropolitan city or looking to add to your investment portfolio, purchasing a vacation home  requires careful consideration and having the right insurance coverage  is an important part of the process. 
- [Ten ways employers can help mitigate employee work related stress](https://epbb.com/ten-ways-employers-can-help-mitigate-employee-work-related-stress/): April is National Stress Awareness Month . According to the Amercican Institute of Stress , 85% of American workers experience work related stress, with 25% saying work is the number one stressor in their lives. Chronic stress not only has serious health consequences for your employees including depression, anxiety, heart problems and pain, but it also affects performance in the workplace as well.  An employee under long term stress may display a decrease in creativity, motivation, and an increase in sick days.  
- [Protect your data;  March 31st is World Backup Day.](https://epbb.com/protect-your-data-march-31st-is-world-backup-day/): March 31st is World Backup Day.  The threat landscape continues to change, and ransomware attacks and cyber-attacks are growing increasingly frequent and more sophisticated. There are things you can do to make sure your business is ready.  With a multitude of cyber insurance options, the team at EPB&B insurance have years of dedicated experience in helping small businesses protect their assets.
- [EPB&B Makes More Happen for Feed The Hungry](https://epbb.com/epbb-makes-more-happen-for-feed-the-hungry/): EPB&B Insurance is thrilled to announce that we have been awarded $10,000 for one of our favorite Portand area non profits, Feed the Hungry.  This award was made possible through the Liberty Mutual, Safeco Insurance Make More Happen Award, and to the over 600 people who voted for our story (we only needed 500 ) qualifying us for the award. 
- [Commercial auto insurance for small businesses](https://epbb.com/commercial-auto-insurance-for-small-businesses/): Many small businesses in Oregon need commercial auto insurance to protect from accidents and other unforseen events that involve their work vehicles. Commercial auto insurance helps protect your business by covering vehicles owned by and used in your business, such as cars, trucks and vans, and liability for their use. Commercial auto insurance protects your business against liability for damages caused by accidents involving your business autos and provides certain compensation to occupants injured in accidents. If your business owns vehicles, a commercial auto insurance policy can provide valuable financial protection to you, your business and your employees. At Elliott, Powell, Baden & Baker we have a diverse team of expert insurance professionals with the experience and understanding of the needs of a small business owner.  Our access to quality insurance products  allows EPB&B the ability to provide quality, cost effective commercial auto insurance to most any type of business , from large multi-state operations to local artisan shops.  Here are some of the commercial vehicles we insure: 
- [EPB&B “Lends A Helping Hand” to Blanchet House fundraiser](https://epbb.com/epbb-sponsors-blanchet-house-fundraiser/):  Elliott, Powell Baden, and Baker was pleased to offer support to one of our long standing nonprofit partners Blanchet House as a $5,000 sponsor for their Lend A Helping Hand Brunch that was held March 3, 2024 at the Portland Art Museum.  
- [Nine factors that determine the cost of an auto insurance policy](https://epbb.com/nine-factors-that-determine-the-cost-of-an-auto-insurance-policy/): Remember, each insurance company weighs these factors differently, and at EPB&B our team of professionals is knowledgeable about various auto insurance products and can provide personalized advice based on your specific needs and circumstances. We can help you understand different coverage options, policy terms, and discounts available, ensuring you make informed decisions.
- [Business Insurance: The Importance Of  Ordinance and Law Coverage ](https://epbb.com/business-insurance-the-importance-of-ordiance-and-law-coverage/): By: Justine Avera, Producer, EPB&B Insurance, Portland, OR
- [EPB&B recognized as a Liberty Mutual Elite Agency](https://epbb.com/epbb-recognized-as-a-liberty-mutual-elite-agency/): As a result of outstanding performance, and our solid partnership, Elliott, Powell, Baden, and Baker has been recognized as Liberty Mutual Elite Agency for the first time. 
- [EPB&B Insurance Newsletter goes digital](https://epbb.com/epbb-insurance-newsletter-goes-digital/): At EPB&B we strive to stay connected with our valued insureds, and a quarterly newsletter is just one of many ways we like to reach out. Traditionally in hard copy format, our newsletter has received such positive feedback we are taking it digital too. Offering everything from Insurance tips and trends, ideas for living a healthy life, team member spotlights and community philanthropy, we hope you find our newsletter to be a valuable and enjoyable resource.
- [EPB&B recognized as a Safeco Elite Agent for third consecutive year.](https://epbb.com/epbb-recognized-as-a-safeco-elite-agent-for-third-consecutive-year/): As a result of outstanding performance and an unwavering commitment to our customers, Elliott, Powell, Baden, and Baker has been recognized as Safeco Elite Agent for the third consecutive year. 
- [Heart Health Awareness: Take Action Today](https://epbb.com/heart-health-awareness-take-action-today/): Do you ever find yourself racing to Google to do a symptom check when something feels off in your body?  That works for minor aches and pains but during a heart related incident, an internet search is probably not your best choice. This month we are joining millions in raising awareness about heart disease and how taking action today can help prevent falling victim to this national health epidemic. Understanding its facts, recognizing signs of a heart attack, and adopting healthy habits are necessary steps toward preventing and managing this prevalent disease.
- [Flood Insurance: What it is and why you need it](https://epbb.com/flood-insurance-what-it-is-and-why-you-need-it/): Flooding is the most common and expensive natural disaster, but few businesses and homeowners are adequately prepared and insured.  According the NOAA (the National Oceanic and Atmospheric Administration) floods can happen during heavy rains, when ocean waves come on shore, when snow melts quickly, or when dams or levees break. Damaging flooding may happen with only a few inches of water, or it may cover a house to the rooftop. Floods can occur within minutes or over a long period, and may last days, weeks, or longer. Floods are the most common and widespread of all weather-related natural disasters. 

## Pages
- [Insurance For Oregon’s Life Sciences & Biotechnology Innovation](https://epbb.com/insurance-for-business/life-sciences-biotechnology-insurance/): Oregon’s life sciences and biotechnology industries are vital drivers of the state’s economy, fueling innovation, creating high-quality jobs, and making meaningful contributions across healthcare, agriculture, environmental science, and marine biology. From cutting-edge medical research to sustainable technologies rooted in the Pacific Northwest’s natural resources, Oregon organizations are shaping healthier communities locally and beyond.
- [Insurance Services – Hood River](https://epbb.com/hood-river/)
- [Earthquake Insurance](https://epbb.com/insurance-for-individuals/earthquake-insurance/): If you live in the Pacific Northwest, earthquake insurance is an important consideration—even if your mortgage lender does not require it. Standard homeowners' insurance policies typically exclude damage caused by earthquakes, earth movement, or ground shaking.
- [Surety Bond Insurance](https://epbb.com/insurance-for-business/bonding/): A surety bond is a promise to be liable for the debt, default, or failure of another. It’s a three-party contract by which one party (the surety) guarantees the performance or obligations of a second party (the principal) to a third party (the obligee). Industries that often require Surety Bond coverage are construction contractors, freight haulers, mortgage brokers, and auto dealers, among many others.
- [Group Insurance Benefits](https://epbb.com/insurance-for-business/employee-benefits/): In today’s highly competitive labor market, it is essential for employers to provide cost-effective benefits in order to hire and keep the best employees. We are active members of the National Association of Benefits and Insurance Professionals, and we ask the important questions and listen to your concerns, needs, and goals. At Elliott, Powell, Baden & Baker, we request quotes from quality insurance companies based upon your needs and objectives in order to offer you proper employee health insurance coverage at a competitive price.
- [Workers’ Compensation Insurance](https://epbb.com/insurance-for-business/workers-compensation/): Workers’ Compensation is coverage required by law that is essential to the well-being of your business or organization. The correct workers' compensation policy can provide wage replacement and medical benefits to employees injured in the course and scope of employment.
- [Government Contractors](https://epbb.com/insurance-for-business/government-contractors/): Government contracts come with unique risks and regulatory requirements, making specialized insurance coverage essential. At Elliott, Powell, Baden & Baker (EPB&B), we understand the complexities of government contracting and provide tailored insurance solutions to protect your business. With decades of experience, a commitment to exceptional service, and a deep knowledge of industry regulations, we help government contractors navigate risk with confidence.
- [Manned/Unmanned Aviation Insurance](https://epbb.com/insurance-for-business/aviation-insurance/): Providing insurance protection for the aviation industry requires an understanding of the business and its special needs. As members of the Association for Uncrewed Vehicle Systems International and the Gorge Technology Alliance, Elliott, Powell, Baden & Baker (EPB&B) understand the unique risks and challenges that come with operating in the aviation industry. From corporate aviation and aircraft management to maintenance, repair, and overhaul (MRO), as well as aerospace manufacturing and unmanned aerial systems (UAV/UAS), each sector requires specialized insurance coverage to mitigate risks and ensure compliance with industry regulations.
- [Non-Profit Insurance](https://epbb.com/insurance-for-business/non-profits/): At Elliott, Powell, Baden & Baker, we understand that your focus is on making a difference—not managing insurance complexities. As a locally owned agency with deep roots in the Pacific Northwest, we specialize in helping non-profit organizations protect what matters most.
- [Technology and Cyber Security Insurance](https://epbb.com/insurance-for-business/technology/): Elliott Powell Baden & Baker is a third-generation, full-service, independent insurance agency that provides risk management and insurance solutions to organizations based in the Pacific Northwest, with global operations. We have a team of insurance professionals with experience in technology-focused insurance. We believe in personalized service and timely communications to explore coverage options and risk management solutions.
- [Pest Control Business Insurance](https://epbb.com/insurance-for-business/pest-control/): As a pest control professional in Oregon, you provide essential services to homes and businesses, ensuring they remain pest-free and healthy. At EPB&B, we understand the unique risks and challenges you face in the pest control industry. That’s why we offer comprehensive insurance solutions tailored specifically for pest controllers in Oregon.
- [Gas Station & Convenience Store Insurance](https://epbb.com/insurance-for-business/gas-stations-convenience-stores/): Providing insurance coverage for gas stations and convenience stores requires a deep understanding of the industry’s unique risks and liabilities. Extended hours, high customer turnover, and diverse product offerings all present potential challenges for business owners.
- [Mechanic & Auto Repair Shop Insurance](https://epbb.com/insurance-for-business/auto/): Providing insurance for your auto repair shop requires a deep understanding of the auto repair industry and its special needs. Elliott, Powell, Baden & Baker insurance professionals are aware of the potential risks that owners of auto mechanic shops face and make it our priority to protect you and your business. We are locally owned and will provide a one-on-one complimentary policy review to customize an auto repair shop insurance package that meets your specific needs.
- [Commercial Trucking Insurance](https://epbb.com/insurance-for-business/trucking/): In the commercial trucking industry, where heavy-duty vehicles and valuable cargo are constantly moving, comprehensive commercial trucking insurance coverage is not just a legal requirement—it’s a critical part of protecting your business. Whether you own a fleet or operate as an independent trucker owner/operator, the right insurance can safeguard your livelihood against various risks, from accidents and cargo damage to liability claims.
- [Contractor Insurance](https://epbb.com/insurance-for-business/contractors/): Our Contractor Insurance team works diligently to develop comprehensive coverage for our construction clients across Portland, Vancouver and beyond. Our team understands the unique risks and challenges that contractors face, including stringent state licensing requirements, evolving environmental regulations, and specialized coverage needs for wildfire-prone areas. We tailor insurance programs to ensure that contractors. Whether in Portland, Eugene, Bend, or beyond we have the protection contractors need to operate confidently and securely.
- [Rental Property Insurance](https://epbb.com/insurance-for-individuals/rental-property/): Whether you are renting out your own home, a vacation place or an investment property, insurance coverage for your rental properties is an important safeguard against the financial risk associated with tenants living on your property. Otherwise known as a landlord policy, it protects the homeowner against damage to the building as well as against premises liability associated with rentals. Coverage can be added to reclaim any lost rental income in the event of a covered claim where your tenant cannot reside in the home.
- [Umbrella Insurance](https://epbb.com/insurance-for-individuals/umbrella/): Personal umbrella liability insurance can help when life takes an unexpected turn. Accidents happen, and in some cases, even a well-insured individual can find themselves exposed to claims that far exceed the limits of their standard home or auto policy. At Elliott, Powell, Baden & Baker, our experienced agents help Oregon residents determine whether a personal umbrella policy is the right fit for their situation and budget.
- [Recreational Vehicle Insurance](https://epbb.com/insurance-for-individuals/toys/): Just because some of your vehicles are associated with recreation, that doesn’t mean they don’t need the same insurance protection as any other piece of expensive property you own. In fact, they may need more insurance because they also create a potential for liability.
- [Renters Insurance](https://epbb.com/insurance-for-individuals/renters/): Renters insurance might be for you if you do not own the property you reside in, but would like to keep your posessions protected.
- [Homeowners Insurance](https://epbb.com/insurance-for-individuals/homeowners/): Our expert (and independent) Personal Insurance team can help you tailor a homeowners insurance policy that fits your needs and budget, plus we live and play here in Portland too! Give us a call today to Speak with an EPB&B agent. We'll help you find the most affordable homeowners insurance option that protects you, your home and your property.
- [Car Insurance](https://epbb.com/insurance-for-individuals/auto/): Common car insurance coverage include liability, collision, comprehensive, personal injury protection (PIP), uninsured motorist, medical payments, towing, and loss of use. Navigating these options on your own can be overwhelming. That's exactly where our independent agents earn their keep. We'll walk you through what each coverage actually means, what you can safely skip, and where gaps could cost you later. Let the personal insurance team at EPB&B Insurance help you make an informed decision that fits your needs and your budget. We serve Portland, Vancouver and the entire Pacific Northwest.
- [Manufacturing Insurance](https://epbb.com/insurance-for-business/manufacturing-insurance/): From food and beverage producers to metal fabricators, wood products, and electronics manufacturers, Oregon and Washington manufacturers face risks that off-the-shelf business policies weren't built for. Equipment breakdown, product liability claims, supply chain disruptions, and recall events can halt production and put decades of work at risk. As an independent insurance broker in Portland for over 70 years, EPB&B compares coverage from multiple carriers to build a manufacturing insurance package around your specific operation.
- [Hospitality Insurance](https://epbb.com/insurance-for-business/hospitality-insurance/): Providing insurance coverage for the restaurant and lodging industry requires a deep understanding of its unique risks and challenges. At Elliott, Powell, Baden & Baker (EPB&B), we specialize in hospitality insurance, ensuring that businesses of all sizes—from boutique hotels to large restaurant chains—have the protection they need.
- [Energy & Fuel Insurance](https://epbb.com/insurance-for-business/energy-fuel-insurance/): Elliot, Powell, Baden & Baker has been providing specialized insurance programs, including energy & fuel insurance, to the energy industry since 1950. We have a dedicated energy and environmental department that is focused exclusively on the special needs of the energy industry. Their scope of knowledge and understanding of the industry includes retailers, distributors, manufacturers, transporters, suppliers, and contractors affiliated within the energy sector. Our team of professionals is poised to deliver the optimal energy & fuel insurance plan tailored to meet your specific needs.
- [Cookie Policy](https://epbb.com/cookie-policy/): Please wait while the policy is loaded. If it does not load, please click here to view the policy.
- [Disclaimer](https://epbb.com/disclaimer/): Please wait while the policy is loaded. If it does not load, please click here to view the policy.
- [Terms of Service](https://epbb.com/terms-of-service/): Please wait while the policy is loaded. If it does not load, please click here to view the policy.
- [Privacy Policy](https://epbb.com/privacy-policy/): Please wait while the policy is loaded. If it does not load, please click here to view the policy.
- [Insurance Services – Bend](https://epbb.com/bend-oregon/)
- [Newsletter](https://epbb.com/newsletter/): EPB&B Newsletter-Autumn 2025
- [Baker Family Foundation](https://epbb.com/community/baker-family-foundation/): The Baker Family Foundation is a 501c3 that works in conjunction with Elliott, Powell, Baden and Baker, Inc. Community donations and corporate sponsorship money donated to the Baker Family Foundation are funneled directly to the local charitable organization  EPB&B so generously supports.
- [Certificate Request](https://epbb.com/certificates/)
- [Portland Insurance Careers](https://epbb.com/portland-insurance-careers/): Current Open Portland Insurance Careers
- [Community Involvement](https://epbb.com/community/): Here are just a few of the Portland community non profits doing crucial and life changing work in our community that we are proud to support:
- [Report A Claim](https://epbb.com/report-a-claim/): AIG Claims Services, Inc. Phone: 877-399-6442ACE Westchester ClaimsPhone: 800-433-0385AMCPhone: 800-777-3462 American HallmarkPhone: 800-426-5119 American SafetyPhone: 800-388-3647AM Trust InsurancePhone: 877-207-3119Austin MutualPhone: 800-328-4628 Berkley North Pacific/Continental WesternPhone: 800-480-2942After Hours 877-924-5277 or 866-403-2345Berkshire Hathaway Homestate Co's Phone: 402-393-7255Canal InsurancePhone: 800-452-6911The Chubb GroupPhone 800-252-4670Cincinnati ClaimsPhone: 877-242-2544CNAPhone: 877-262-2727CBICPhone: 800-866-2242Endurance ClaimsPhone: 800-377-4152EnergiPhone: 888-252-4650Fireman’s Fund InsurancePhone: 888-347-3428First Mercury InsurancePhone: 248-358-4010Foremost Insurance/Farmers Insurance Phone: 800-527-3907 Hagerty InsurancePhone: 800-747-5348Hanover GroupPhone: 800-628-0250The Hartford Group Phone: 800-327-3636 KemperPhone: 800-822-8426Liberty Mutual InsurancePhone: 844-325-2467 Markel Insurance Phone: 800-362-7535 Midwest Family MutualPhone: 800-225-5636Mutual of EnumclawPhone: 877-425-2580 (7-5 PST)After Hours: 866-924-3036National Casualty InsurancePhone: 800-423-7675 Nationwide AgribusinessPhone: 800-228-6700 NorthlandPhone: 800-328-5972 OneBeaconCall: 877-248-3455Oregon Mutual InsurancePhone:  800-934-3809 Philadelphia InsurancePhone: 800-765-9749 Progressive Phone: 800-PROGRESSIVE Safeco InsurancePhone:  800-332-3226Travelers Phone:  800-238-6225 United Fire GroupPhone: 800-343-9131 WESCO – Asset Protection Program (ISG)Phone: (678)742-6300 Western NationalPhone: 855-921-3164 York ClaimsPhone: 866-391-9675Zurich North America Phone:  800-987-3373 XL Insurance GroupPhone: (800)-823-7351January 2020
- [Our Insurance Team](https://epbb.com/team/)
- [Portland Insurance Careers](https://epbb.com/careers/): Portland Insurance Careers At EPB&B
- [Personal Insurance Services](https://epbb.com/insurance-for-individuals/)
- [Business Insurance](https://epbb.com/insurance-for-business/)
- [Contact EPB&B Insurance](https://epbb.com/contact/): Contact us today to speak with a knowledgeable insurance agent and receive a customized insurance quote tailored to your needs. Along the way you might discover how our comprehensive coverage options can give you peace of mind.
- [About our Independent Insurance Agency](https://epbb.com/about-us/): Founded in 1950 by Warren Elliott, Elliott Insurance was a small local independent insurance agency. With the addition of Gordon Powell several years later, Elliott Insurance transformed into Elliott and Associates. In 1969 William Baden from USF&G and Neil Baker from the Mathiesen-Baker Agency joined, forming the partnership of Elliott, Powell, Baden, & Baker. “I am grateful to have known the four founding partners in my youth. My Dad continually inspired me through his hard work, dedication to his customers and support of the community through his philanthropic work,” Baker says of his father Neil, a Safeco Lifetime Achievement Award recipient, one of only three in Oregon history to receive the award.
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## Careers
- [Account Manager/Commercial](https://epbb.com/careers/account-manager-commercial-lines/): Seeking an experienced solution focused, multi tasking individual who enjoys working as part of a team. Excellent professional communication skills and a P&C Insurance License is required.
- [Commercial Lines Assistant](https://epbb.com/careers/commercial-lines-assistant/): Seeking a detail-oriented, team player who is motivated to learn and grow within the insurance industry at EPB&B.
- [Sales Producer/Benefits](https://epbb.com/careers/sales-producer-benefits/): Looking for a self motivated, driven, detail oriented producer to develop and grow the agency book of health/benefits business. Must be licensed and have a background in the insurance industry.
- [Sales Producer / Property Casualty](https://epbb.com/careers/sales-producer-property-casualty/): Looking for a self-motivated, ethical, team player who values building strong relationships and is motivated to develop and grow a book of business. Must be licensed.