Bend, Oregon
Contractor Insurance in Bend, Oregon
CCB-compliant contractor insurance for Bend builders, remodelers, and specialty trades. We handle general liability, surety bonds, workers' comp, and commercial auto.
Insure Pacific has been serving Bend contractors since 1935. We understand Oregon CCB requirements and provide complete insurance programs for general contractors, specialty trades, and owner-operators throughout Deschutes County and Central Oregon.
Contractor Insurance in Bend, Oregon
Bend's construction industry has boomed alongside the city's population growth. New residential developments, commercial projects, and infrastructure work have created strong demand for contractors across all trades. With that growth comes increased scrutiny on contractor licensing and insurance compliance — the Oregon CCB actively enforces insurance requirements, and unlicensed or uninsured work can result in significant penalties.
Oregon's CCB licensing requirements mandate specific insurance minimums that vary by license type (residential, commercial, limited). Beyond the CCB minimums, many project owners, general contractors, and lenders require higher limits — particularly for commercial projects. Insure Pacific helps Bend contractors understand what's required, what's recommended, and how to structure their coverage efficiently.
Bend's wildfire risk also affects contractors — particularly those doing work in the WUI (Wildland-Urban Interface). Builder's Risk policies for projects in high-risk fire zones require careful placement, and some carriers exclude wildfire from standard builder's risk coverage. We work with specialty markets to ensure your projects are properly protected.
What Your Contractor Policy Should Cover
A complete contractor insurance program for Bend builders addresses CCB requirements and the full range of construction risks.
General Liability
Covers bodily injury and property damage claims arising from your contracting operations. Required for Oregon CCB licensing.
Commercial Auto
Covers your work trucks, vans, and vehicles used for business purposes — personal auto policies exclude business use.
Workers' Compensation
Required in Oregon if you have employees. Covers medical expenses and lost wages for workers injured on the job.
Contractor's Tools & Equipment
Covers your tools, equipment, and machinery against theft, vandalism, and accidental damage on and off the job site.
Builder's Risk
Covers structures under construction against fire, theft, vandalism, and weather damage during the build period.
Inland Marine / Installation Floater
Covers materials and equipment in transit and at the job site before they're permanently installed.
Professional Liability / E&O
Covers claims arising from design errors, faulty workmanship, or failure to meet professional standards.
Umbrella / Excess Liability
Provides additional liability limits above your GL and auto policies — important for larger projects and higher-risk trades.
Surety Bonds
Oregon CCB requires a contractor's bond. We write surety bonds for general contractors and specialty trades throughout Central Oregon.
Oregon CCB Insurance Requirements
The Oregon Construction Contractors Board (CCB) requires all licensed contractors to maintain current general liability insurance and a surety bond. Minimum limits vary by license type — residential contractors need at least $500,000 per occurrence / $1,000,000 aggregate; commercial contractors need higher limits.
Workers' compensation is required if you have any employees — including part-time workers. Oregon takes workers' comp compliance seriously, and penalties for non-compliance are significant. Insure Pacific handles CCB-compliant insurance programs for contractors of all sizes, from sole proprietors to large commercial firms.
See Our Full Contractor Insurance PageWhy Bend Contractors Choose Insure Pacific
CCB Specialists
We know Oregon CCB requirements inside and out. We'll make sure your coverage meets all licensing requirements and keeps your license in good standing.
50+ Carrier Options
We shop the market on your behalf — comparing rates from over 50 carriers to find competitive pricing for your trade and risk profile.
All Trades Covered
General contractors, framers, roofers, plumbers, electricians, HVAC, landscapers, painters — we write insurance for all construction trades.
Certificates of Insurance
We issue certificates of insurance quickly so you can respond to project requirements without delays. Same-day COIs available.
Claims Support
Construction claims can be complex. We're your advocate when claims arise, helping you navigate the process and protect your business.
Surety Bonds
We write contractor bonds for CCB licensing, bid bonds, performance bonds, and payment bonds for projects throughout Central Oregon.
Bend Contractor Insurance FAQ
Get a Bend Contractor Insurance Quote Today
Call our Bend office or request a quote online. We'll build a CCB-compliant insurance program for your contracting business.
Get in Touch
Ready to protect what matters most? Contact us today for a no-obligation insurance review. Our experienced agents are here to help you find the right coverage for your needs.
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