Construction Insurance
Comprehensive coverage for Oregon contractors, builders, and construction businesses since 1935.
Construction Insurance in Oregon
Oregon's construction industry faces significant risks — from jobsite injuries and property damage to professional liability and equipment theft. Insure Pacific works with specialized construction insurance carriers to provide comprehensive coverage for general contractors, subcontractors, homebuilders, and commercial construction companies throughout Oregon.
As an independent agency, we shop multiple carriers to find the right coverage at competitive rates — ensuring your Oregon contractor's license requirements are met and your business is fully protected.
Why Choose Insure Pacific?
- Specialized construction insurance markets
- Oregon contractor license compliance
- Coverage for all contractor types and trades
- Independent agency — we work for you
- Competitive rates through carrier comparison
- Serving Oregon contractors since 1935
Coverage Options
Comprehensive construction protection for Oregon contractors and builders.
General Liability
Covers bodily injury and property damage claims arising from your construction operations — required for most Oregon contractor licenses.
Builder's Risk
Protects buildings under construction against fire, theft, vandalism, and weather damage during the construction period.
Workers' Compensation
Required for Oregon contractors with employees — covers medical expenses and lost wages for workers injured on the job.
Tools & Equipment
Inland marine coverage for your tools, equipment, and machinery against theft, damage, and loss at jobsites and in transit.
Commercial Auto
Covers your work trucks, vans, and vehicles used in your construction business — including hired and non-owned auto liability.
Surety Bonds
Performance bonds, payment bonds, and license bonds required for Oregon public works projects and contractor licensing.
Construction Insurance: Key Facts
How Much Does Construction Insurance Cost in Oregon?
Construction insurance costs vary by trade, annual revenue, number of employees, and coverage limits. A small residential contractor might pay $1,500–$4,000 per year for general liability, while larger commercial contractors with workers' comp, equipment coverage, and surety bonds will pay significantly more.
As an independent agency, Insure Pacific shops specialized construction markets to find competitive rates while ensuring your coverage meets Oregon contractor licensing requirements and adequately protects your business.
Frequently Asked Questions
Common questions about construction insurance in Oregon
What insurance is required for Oregon contractors?
Oregon requires contractors to carry general liability insurance and workers' compensation (if you have employees) as a condition of CCB licensing. Minimum general liability limits are $500,000 per occurrence for residential contractors and $1,000,000 for commercial contractors. Insure Pacific ensures your policy meets all CCB requirements.
What is builder's risk insurance?
Builder's risk insurance covers buildings under construction against fire, theft, vandalism, wind, and other covered perils during the construction period. It protects the structure, materials on-site, and materials in transit. Coverage typically ends when the project is complete and the owner takes possession.
Do subcontractors need their own insurance in Oregon?
Yes. Oregon subcontractors need their own general liability and workers' compensation coverage. General contractors typically require subcontractors to provide certificates of insurance naming the GC as an additional insured before work begins. Insure Pacific can arrange coverage for both GCs and subs.
What is an additional insured endorsement?
An additional insured endorsement adds another party (such as a property owner or general contractor) to your liability policy. When they're named as additional insured, your policy covers claims arising from your work that are brought against them. Most construction contracts require this endorsement.
Does contractor insurance cover faulty workmanship?
Standard general liability policies typically exclude damage to your own work (the 'your work' exclusion). However, damage your faulty work causes to other property or people may be covered. Professional liability (errors & omissions) can cover some workmanship claims. Insure Pacific can explain what your policy covers and what it excludes.
How do I get a construction insurance quote from Insure Pacific?
Call us at (541) 238-7775 or submit a quote request online. We'll ask about your trade, annual revenue, number of employees, and project types. We compare options from specialized construction markets to find the right coverage for your Oregon contracting business.
Construction Insurance in Your City
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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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