A few minutes can save you up to 65% or more with
Oregon's top contractors' insurance programs –
Contractors
Insurance
Oregon
Oregon
Contractors Insurance
Stop overpaying for coverage in the Beaver State!
A few minutes can save you up to 65% or more with Oregon’s top contractors’ insurance programs –
Coverage for Oregon Contractors
Our Oregon Contractors' Insurance programs provide a protective shield for construction businesses, mitigating financial setbacks resulting from unforeseen events –
What is Oregon Contractors’ Insurance?
Oregon contractors’ insurance mitigates financial risks across all phases of business operations.
Why Do I Need It?
The construction landscape across Oregon is both rich and inherently hazardous. With the increase in construction activities, risks are on the rise. Contractors, regardless of their trade or size, face potential claims for bodily injury, property damage, or litigation arising from their products or services. From Portland to Medford, exposure to third-party or employment-related legal actions becomes inevitable upon commencing operations. Don’t wait for these incidents to occur — anticipate the unexpected with preparedness.
A robust Oregon contractors’ insurance package furnishes essential protection for your business in unforeseen circumstances.
Protect Against the Unpredictable
Oregon maintains stringent requirements for contractor licensing, surpassing those of many other states. We strongly advise individuals aspiring to enter the Oregon construction sector to consult the Oregon Construction Contractors Board to ascertain insurance prerequisites and determine whether licensure is mandatory for their operations.
Our commercial insurance programs are not only comprehensive but also highly affordable. With rates tailored to accommodate any budget, they offer peace of mind and ensure financial security for your business. Embrace uncertainty with confidence in a stress-free work environment.
Our Recommended Products
General Liability
General Liability
Oregon contractor liability insurance is essential for safeguarding businesses from risks and meeting state licensing requirements. This coverage protects against claims involving:
- Third-Party Bodily Injury
- Third-Party Property Damage
- Products and Completed Operations
- Defense Costs
- And Much More
In Oregon, liability insurance requirements vary depending on contractor type:
- Residential Contractors: Coverage starts at $100,000 per occurrence for roles such as Home Services Contractors and Home Inspectors and goes up to $500,000 per occurrence for Residential General Contractors.
- Commercial Contractors: Aggregate limits range from $500,000 for Specialty Contractors (Level 2) to $2,000,000 for General Contractors (Level 1).
Without general liability insurance for contractors in Oregon, businesses risk financial devastation from lawsuits, fines, and compliance issues. For the latest requirements, visit the Oregon Construction Contractors Board (CCB).
Workers' Comp
Workers' Comp
Oregon contractors’ workers’ compensation insurance covers medical expenses and lost wages for employees injured on the job.
With workers’ comp insurance for contractors in Oregon, businesses can avoid significant financial losses, legal penalties, and potential lawsuits.
Contractor workers’ compensation coverage in Oregon ensures compliance with state regulations and demonstrates a commitment to employee safety and well-being.
Surety Bonds
Surety Bonds
Without a contractor surety bond in Oregon, businesses may face license suspension, legal penalties, and loss of client trust.
Oregon contractors’ surety bonds provide financial assurance, covering damages arising from incomplete projects, code violations, or unethical business practices.
The Oregon Construction Contractors Board (CCB) requires contractors to secure an Oregon contractor license bond to ensure compliance with state regulations and protect consumers. Bond amounts in Oregon vary depending on the contractor’s license type and classification:
Residential Bonds
- Residential General Contractor: $25,000
- Residential Specialty Contractor: $20,000
- Residential Limited Contractor: $15,000
- Residential Developer: $25,000
- Home Services Contractor: $15,000
- Residential Locksmith Services Contractor: $15,000
- Home Inspector Services Contractor: $15,000
- Home Performance Score Contractor: $15,000
Commercial Bonds
- Commercial General Contractor Level 1: $80,000
- Commercial General Contractor Level 2: $25,000
- Commercial Specialty Contractor Level 1: $55,000
- Commercial Specialty Contractor Level 2: $25,000
- Commercial Developer: $25,000
For the latest updates, contractors are encouraged to visit the Oregon Construction Contractors Board (CCB).
Commercial Auto
Commercial Auto
Oregon contractors’ commercial auto insurance provides essential protection for vehicles used in your construction business, safeguarding them from accidents, theft, and other risks.
Without commercial vehicle insurance for contractors in Oregon, your business could face significant liabilities, costly repairs, and potential disruptions to daily operations.
Business auto insurance for Oregon contractors offers flexible options to fit your needs, including:
- Liability Coverage
- Collision Protection
- Comprehensive Coverage
- Hired and Non-Owned Auto Coverage
Inland Marine
Inland Marine
Oregon contractors’ tools and equipment insurance protects your business assets, including tools, machinery, and supplies, whether on-site, in transit, or stored.
Without inland marine insurance for Oregon contractors, businesses may face financial setbacks from theft or accidental damage.
Contractor equipment insurance in Oregon provides customizable coverage options, such as:
- Installation Floater for Materials at Job Sites
- Builder’s Risk Coverage for Construction Projects
- Safeguards Against Wind, Hail, Fire, and Water
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