Oregon contractors insurance

Licensing & registration in Oregon

Most construction contractors in Oregon must be licensed (registered) with the Oregon Construction Contractors Board (CCB), which generally requires liability insurance and a bond on file. Trades such as electrical and plumbing carry separate licensing. Verify the current requirement with the CCB before working.

Oregon CCB licensing generally requires a surety bond on file in addition to liability insurance, with amounts that can differ for residential vs. commercial endorsements. The bond protects the public and is distinct from your liability insurance — confirm current amounts with the CCB.

Coverages Oregon contractors carry

• •General liability — generally intended to respond to third-party injury and property damage from your work, including completed-operations claims that surface after a job.
• •Workers’ compensation — required in most states once you have employees, and commonly required of subs by the GCs who hire them.
• •License / registration bond — a guarantee to the public required by many licensing bodies; distinct from your liability insurance.
• •Tools & equipment (inland marine) — optional coverage generally intended to address loss or damage to your own gear.
• •Commercial auto — for work trucks and vans; personal auto typically excludes business use.

Who needs it in Oregon

Common Oregon users include home builders and remodelers, roofers, electricians, plumbers, HVAC, and landscapers across Portland, Salem, Eugene, and Bend.