Contractor Insurance
in Oregon
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:
- General Liability Insurance
Covers third-party injuries, property damage, and legal fees—often required for state licensing.
- Workers’ Compensation Insurance
Protects your crew with wage replacement and medical benefits in case of jobsite injuries.
- Commercial Auto Insurance
Covers vehicles used for transporting tools, materials, and crews between job sites.
- Tools & Equipment Insurance
Insures mobile equipment and power tools against theft, damage, or breakdowns—on or off-site.
- Builder’s Risk Insurance
Safeguards structures under construction from fire, vandalism, and certain weather-related damages.
- Professional Liability Insurance
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:
- General Contractors
- Roofing Contractors
- Electricians
- Plumbers
- HVAC Technicians
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
- Coverage Type
Liability, workers’ comp, and commercial auto costs differ by trade.
- Business Size
Higher revenue can increase your coverage needs.
- Payroll Size
Impacts workers’ comp premiums.
- Claims History
Fewer claims often mean lower rates.
- Deductibles
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.