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Contractor Insurance
in Oregon

Contractors: Claim Free Insurance Quote

Contractors: Claim Free Insurance Quote

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Oregon Contractors: Stay Covered, Compliant, and Ready for the Unexpected

Oregon contractors face everything from steep terrain and frequent rain to strict licensing and insurance requirements. Whether you’re roofing homes in Portland or wiring new builds in Bend, having the right coverage isn’t just smart—it’s essential.

At ACI, we specialize in affordable, contractor-specific insurance that meets Oregon’s regulatory standards. Our policies are customized by trade and location to keep you compliant, covered, and focused on the job.

Why Contractors in Oregon Choose ACI

State-Specific Expertise
We understand Oregon’s unique requirements and risks.

Same-Day Certificates
Get proof of insurance when you need it—fast.

Low Down Payments
Start your policy with affordable upfront costs.

Bundled Savings
Combine coverages to reduce monthly premiums.

Dedicated Agent Support
Speak with real people who know your industry.

Insurance Coverage We Offer in Oregon

We offer a wide range of policies built for Oregon’s construction professionals:

Covers third-party injuries, property damage, and legal fees—often required for state licensing.

Protects your crew with wage replacement and medical benefits in case of jobsite injuries.

Covers vehicles used for transporting tools, materials, and crews between job sites.

Insures mobile equipment and power tools against theft, damage, or breakdowns—on or off-site.

Safeguards structures under construction from fire, vandalism, and certain weather-related damages.

Helps if you’re sued for design errors, contract disputes, or miscommunication on a project.

Who We Cover in Oregon

If you work in Oregon construction, we’ve got a policy built for your trade. We insure:

From roofers to remodelers—if you’re working in Oregon, we’ve got you covered.

How Much Does Contractor Insurance Cost in Oregon?

Insurance costs can vary based on your trade, business size, and risk level.

Cost Factors

Liability, workers’ comp, and commercial auto costs differ by trade.

Higher revenue can increase your coverage needs.

Impacts workers’ comp premiums.

Fewer claims often mean lower rates.

A higher deductible can reduce your monthly premium.

Deductible Snapshot:
  • $500 Deductible = Higher monthly premium

  • $1,000 Deductible = Lower monthly premium

Not sure what fits your budget & requirements? We’ll help you find the right balance of coverage and cost.

Oregon Contractor Insurance Requirements

Here are some key insurance requirements for contractors operating in Oregon:

General Liability Insurance

The Oregon Construction Contractors Board (CCB) mandates liability insurance for licensed contractors. Minimums depend on license type.

Workers’ Compensation Insurance

Oregon law requires workers’ comp if you have one or more employees—even part-time.

Surety Bond

All licensed contractors must carry a surety bond, with amounts ranging from $10,000 to $20,000 based on the license type.

Requirements vary by trade and region. We’ll help you stay compliant with up-to-date guidance.

Get a Free Contractor Insurance Quote

in Oregon

Protect your business before the next job starts—get a fast, tailored quote today.

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