What Insurance Do Oregon Contractors Need?
A complete guide to Oregon contractor insurance requirements — CCB requirements, workers comp, and building a complete coverage program
What Insurance Do Oregon Contractors Need?
A complete guide to Oregon contractor insurance requirements — CCB requirements, workers comp, and building a complete coverage program
Or Get A Free QuoteOregon Contractor Insurance Requirements: A Complete Guide
Oregon contractors face a complex set of insurance requirements — from the Oregon Construction Contractors Board (CCB) to client contract requirements to state law. Understanding what insurance you need, how much coverage is required, and how to build a complete program is essential for every Oregon contractor. This guide explains the insurance requirements for Oregon contractors and how Gerald Ross Agency helps contractors on the Oregon Coast build comprehensive insurance programs.
Why Choose Gerald Ross Agency?
- Independent agency — we work for you
- 50+ top-rated insurance carriers
- Licensed Oregon agents
- Serving Oregon Coast since 1937
- Competitive rates through market comparison
- Personalized service and claims advocacy
What's Covered
General Liability — Required by CCB
Oregon CCB requires contractors to carry general liability insurance. The required limits vary by contractor type — residential contractors need $500,000 per occurrence; commercial contractors need $1,000,000 per occurrence.
Workers Compensation — Required by Law
Oregon law requires workers compensation for any business with one or more employees. Sole proprietors without employees are exempt but may choose to carry it.
Commercial Auto — Required for Business Vehicles
Oregon requires commercial auto insurance for vehicles used in business operations. Personal auto insurance does not cover business use.
Tools & Equipment — Strongly Recommended
Covers your tools and equipment against theft and damage — a significant exposure for most contractors.
Builders Risk — Required for Construction Projects
Most construction contracts require builders risk insurance to cover the structure under construction.
Professional Liability — For Design-Build Contractors
Contractors who provide design services need professional liability (E&O) insurance to cover design errors.
Umbrella Liability — Recommended
Provides additional liability protection above your primary policies — recommended for contractors with significant operations.
Oregon CCB Insurance Requirements by Contractor Type
Residential General Contractor
Oregon CCB requires residential general contractors to carry general liability insurance with minimum limits of $500,000 per occurrence and $1,000,000 aggregate, plus workers compensation if they have employees.
Commercial General Contractor
Oregon CCB requires commercial general contractors to carry general liability insurance with minimum limits of $1,000,000 per occurrence and $2,000,000 aggregate, plus workers compensation.
Specialty Contractors (Plumbers, Electricians, HVAC)
Specialty contractors have specific CCB requirements based on their trade. We ensure your program meets the specific requirements for your trade category.
Subcontractors
Even if you work exclusively as a subcontractor, you need your own insurance. General contractors require subcontractors to carry their own liability insurance and workers compensation.
Frequently Asked Questions
Common questions about this coverage in Oregon.
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