Construction Insurance
Oregon's trusted independent insurance agency for contractors and builders since 1935.
Coverage Options
General Liability Insurance
Protects against claims of bodily injury or property damage to third parties caused by your business operations.
Workers' Compensation Insurance
Covers medical expenses and lost wages for employees who are injured or become ill on the job.
Builders Risk Insurance
Provides coverage for direct physical loss or damage to a building or structure during the course of construction.
Commercial Auto Insurance
Covers vehicles used for business purposes, including liability and physical damage protection.
Commercial Property Insurance
Safeguards your business property, including buildings, tools, and equipment, from perils like fire or theft.
Professional Liability (E&O)
Protects against claims of negligence, errors, or omissions in your professional services or advice.
Why Oregon Contractors Choose Insure Pacific
Construction is one of Oregon's most dynamic and risk-exposed industries. From jobsite injuries and property damage to subcontractor disputes and completed operations claims, contractors face liability exposures that require specialized coverage structures — not off-the-shelf policies.
Insure Pacific works with construction-focused carriers who understand Oregon's licensing requirements, prevailing wage projects, and the unique risks of building in wildfire-prone and seismically active regions.
We serve general contractors, specialty trades, and owner-builders throughout Oregon — from residential remodelers in Bend to commercial GCs in Portland — with insurance programs built for the way you work.
Construction Insurance: Key Facts
Oregon contractors face unique risks. Here are the numbers that matter for your coverage.
How Much Does Construction Insurance Cost in Oregon?
Construction insurance in Oregon typically ranges from $2,000 to $20,000+ per year depending on your trade, annual payroll, project types, and coverage limits. General contractors typically pay more than specialty subcontractors.
As an independent agency, Insure Pacific compares rates from 50+ carriers to find the best price for your specific contracting business. Contact us for a free, no-obligation quote.
Frequently Asked Questions
Common questions about construction insurance in Oregon
What insurance do Oregon contractors need?
Oregon contractors typically need general liability, workers compensation, commercial auto, and builders risk insurance at minimum. Depending on your trade, you may also need professional liability (E&O), contractor's equipment coverage, and umbrella insurance.
Is contractors insurance required in Oregon?
Oregon requires contractors to carry general liability insurance to obtain a contractor's license. Workers compensation is also required if you have employees. Failure to carry required coverage can result in license suspension and personal liability for claims.
What is builders risk insurance?
Builders risk insurance covers buildings under construction against fire, theft, vandalism, and weather damage. It protects the structure and materials from the start of construction until the project is complete and a permanent property policy takes over.
Does my contractor's insurance cover subcontractors?
Your general liability policy may not automatically cover subcontractors. You should require all subs to carry their own insurance and name you as an additional insured on their policies. We can help you review your contracts and coverage requirements.
How much general liability do Oregon contractors need?
Oregon contractor licensing typically requires at least $500,000 in general liability coverage. However, most commercial projects require $1 million per occurrence and $2 million aggregate. We recommend reviewing your contract requirements before selecting limits.
What is a certificate of insurance and why do I need one?
A certificate of insurance (COI) proves you have coverage. General contractors, property owners, and project owners routinely require subcontractors to provide a COI before starting work. Insure Pacific can issue certificates quickly when you need them.
Construction Insurance in Your City
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.
Monica
Insurance Specialist
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I'm the AI version of Monica here at Insure Pacific!
Ask me anything about insurance — home, auto, farm, commercial, wildfire, and more. I can answer your questions directly or connect you with one of our agents.