OR · Contractor insurance
General liability, workers’ compensation, commercial auto and excess for Oregon contractors. The CCB sets a different liability limit and bond for every endorsement, so we make sure the cover matches the endorsement you actually hold.
Oregon ties both the general liability limit and the surety bond to the endorsement on your CCB license, so a residential specialty contractor and a commercial general contractor are held to very different numbers. Bond amounts rose across the board on 1 January 2024 under HB 2922; the liability minimums did not change with them.
Sources: Oregon CCB — Licensing. Requirements change — confirm with the board before relying on a figure.
How each coverage actually works here, rather than in general.
Oregon is the one state of the five where the board sets the limit for you, and it varies by endorsement: $500,000 per occurrence for a residential general contractor, $300,000 for residential specialty, $100,000 for residential limited, $2,000,000 aggregate for commercial general level 1, $1,000,000 for commercial general level 2 and commercial specialty level 1, and $500,000 per occurrence for commercial specialty level 2. Choosing the endorsement is choosing the limit.
General liability across all five states →Bought in the private market, quoted alongside the general liability. Oregon is not a monopolistic state, so the comp and the liability can sit with markets chosen on their merits rather than one being dictated by the state.
Workers’ comp across all five states →Minimum $25,000 per person, $50,000 per accident and $20,000 property damage. Oregon also requires personal injury protection and uninsured/underinsured motorist coverage on top of the liability, which the other four do not to the same extent.
Commercial auto across all five states →The CCB already sets real primary limits by endorsement, up to $2,000,000 aggregate for a commercial general contractor level 1. Excess is what covers the distance between that endorsement limit and a project requirement that exceeds it — which on larger commercial work it regularly does.
Excess liability across all five states →No CCB endorsement requires professional liability. The CCB sets general liability limits by endorsement and stops there, so a design-build Oregon contractor can be fully compliant with the board and carry nothing at all for the design half of their scope.
Professional liability across all five states →Tell us the trade, the license classification and the payroll. We will tell you which markets fit before we submit anywhere.
