Gerald Ross Agency team helping Oregon Coast clients find the right insurance coverage

Independent Agency Since 1937

Our Process

Name: Gerald Ross Agency
Rating: 5

Three straightforward steps — from your first conversation to a policy that actually fits your property, your risk, and your budget.

Get A Quote Call (541) 469-3144

87+

Years serving the Oregon Coast

50+

Insurance carriers we work with

24–48 hrs

Typical turnaround for complex properties

OR & CA

Licensed in Oregon and California

How It Works

Simple. Transparent. Independent.

As an independent agency, we work for you — not for any insurance company. Here is exactly what happens when you contact Gerald Ross Agency.

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Tell Us About Your Property

We start with a brief conversation — your location, property type, current coverage, and any challenges you have faced (non-renewals, premium increases, coverage gaps). For wildfire and coastal properties, we ask about construction details, mitigation work, and prior claims.

Most clients complete this step in 10–15 minutes by phone or email. No lengthy forms, no pressure.

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We Shop 50+ Carriers

Gerald Ross Agency is an independent agency with access to 50+ carriers — including specialty and surplus lines markets that standard agents cannot access. We compare coverage terms, exclusions, limits, and premium across every viable option for your property.

For wildfire-exposed and coastal properties, we specifically target carriers that reward mitigation documentation and have strong claims-paying track records in Oregon and Northern California.

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You Choose. We Handle the Rest.

We present your options clearly — no jargon, no pressure. Once you choose a policy, we handle the application, binding, and documentation. We stay your advocate at renewal and whenever you need to file a claim.

Clients with complex properties (wildfire, coastal, commercial, farm) typically receive their options within 24–48 hours.

Ready to Get Started?

Whether you are a homeowner on the Oregon Coast, a Southern Oregon business owner, or a Northern California property owner — Gerald Ross Agency has the markets and the expertise to find you the right coverage.

Get A Quote Contact Us

Premium Financing

Pay Your Premium Monthly

For commercial policies and high-value homeowners policies, premium financing lets you spread your annual premium into manageable monthly payments. Gerald Ross Agency works with several premium finance companies to offer competitive rates.

Feature	Details
Payment structure	Monthly installments (typically 10 payments)
Down payment	Typically 20–25% of annual premium
Finance charges	Competitive rates; varies by finance company
Eligible policies	Commercial, homeowners, farm, marine, specialty
Minimum premium	Typically $1,000+ annual premium
Setup time	Same day as policy binding in most cases

Ask your agent about premium financing when requesting a quote. Available for most commercial and specialty personal lines policies.

Personal Insurance

Personal Insurance FAQ

How long does it take to get a homeowners insurance quote?▼

For standard properties, we can typically provide options within a few hours. For wildfire-exposed, coastal, or high-value properties, plan on 24–48 hours as we work through specialty markets. We will always tell you upfront if your property requires more time.

Do I need to cancel my current policy before switching?▼

No. We handle the transition — we time your new policy start date to align with your current policy expiration, and we can help you request a pro-rated refund from your current carrier for any unused premium.

What if I have had a wildfire claim or non-renewal notice?▼

This is exactly where Gerald Ross Agency specializes. We work with surplus lines and specialty carriers who accept properties with prior claims or non-renewals. A prior claim or non-renewal does not mean you are uninsurable — it means you need an agent who knows the right markets.

Do you write insurance in California?▼

Yes. Gerald Ross Agency writes insurance in Oregon and California, with a particular focus on Northern California (Del Norte, Humboldt, Siskiyou, Trinity counties) where many of our Oregon Coast clients have properties or family connections.

What is premium financing?▼

Premium financing allows you to pay your annual insurance premium in monthly installments rather than a lump sum. We work with several premium finance companies that offer competitive rates. This is especially useful for commercial policies and high-value homeowners policies where annual premiums can be substantial.

Commercial Insurance

Commercial Insurance FAQ

What types of commercial properties do you insure?▼

We insure a wide range of commercial properties on the Oregon Coast and Southern Oregon — including retail, restaurants, lodging (motels, vacation rentals, B&Bs), fishing operations, marine businesses, wineries, farms, and professional offices. If you have a commercial property in a wildfire or coastal zone, we have markets for it.

How does commercial property insurance differ from homeowners?▼

Commercial policies are more customized — they cover business income loss, equipment breakdown, commercial liability, and employee-related exposures that homeowners policies do not. We build each commercial program from the ground up based on your specific operations.

Do you offer workers compensation in Oregon?▼

Yes. We write workers compensation through SAIF Corporation (Oregon's state-chartered insurer) and several private carriers. Workers comp is required for most Oregon employers with one or more employees.

Can you help with a commercial property that has been non-renewed?▼

Yes. Commercial non-renewals on the Oregon Coast are increasingly common as carriers exit the market. We have access to surplus lines markets that specialize in hard-to-place commercial properties, including those in wildfire-exposed or coastal flood zones.

About the Agency

About Gerald Ross Agency

How long has Gerald Ross Agency been in business?▼

Gerald Ross Agency was founded in 1937 and has been serving the Oregon Coast for over 85 years. We are one of the oldest independent insurance agencies on the Southern Oregon Coast, with deep roots in Brookings and Curry County.

Are you an independent agent or a captive agent?▼

We are an independent agency, which means we represent you — not any single insurance company. We have contracts with 50+ carriers and can shop the entire market on your behalf. Captive agents (like State Farm or Allstate agents) can only offer their company's products.

Do you handle claims?▼

Yes. As your agent, we advocate for you throughout the claims process — helping you document your loss, communicate with the carrier, and ensure you receive the full benefit of your coverage. We do not handle the claim payment directly (that is the carrier's role), but we are your advocate every step of the way.

What areas do you serve?▼

Our primary service area is the Oregon Coast (Curry, Coos, Douglas, Lane, Lincoln, Tillamook counties), Southern Oregon (Jackson, Josephine counties), and Northern California (Del Norte, Humboldt, Siskiyou counties). We also write policies statewide in Oregon and California.

Explore Our Coverage Areas

Wildfire Insurance Fire Mitigation Guide Homeowners Insurance Commercial Insurance Marine Insurance Oregon FAIR Plan Non-Renewal Help Get A Quote About Us Contact Us Blog & Guides Brookings Office

Get in Touch

Ready to protect what matters most? Contact us today for a no-obligation insurance review. Our experienced agents are here to help you find the right coverage for your needs.