General Contractors Insurance in Oregon

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Do Oregon general contractors need insurance?

Construction is among the largest sectors in The Beaver State. It employs over 22,860 people, with many who may be registered as general contractors.

Construction sites are often hazardous places to work. An accident could lead to an expensive liability problem for small companies. Contractor insurance for Oregon businesses helps prevent mishaps and delays that are unexpected, as well as other common issues from destroying the hard work you’ve put into it.

Insurance for contractors is a simple term used to describe different kinds of insurance that a general contractor could consider.

  • General Liability
  • Business Owner’s Policy
  • Workers’ Compensation

Learn more about Oregon contractor’s insurance and learn how you can find suitable policies for your business through BizInsure.

Who needs insurance for contractors in Oregon?

Many contractors purchase insurance to safeguard their finances and business. General Liability coverage and other types of policies can act as a safety net for both your business and yourself.

It is possible that you will require certain types of coverage to be able to be able to work with specific clients. This requirement is usually included in contracts.

To learn more about quotes for insurance and options choose your job.

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What are the most common insurance policies for contractors in Oregon?

Oregon contractors typically look at several different kinds of insurance. These insurance policies can help you reduce the risks that contractors could face.

General Liability Insurance

Construction sites are unstable. An innocent action–like leaving your toolbox in a wrong place–could result in a huge problem for your company in the event that someone gets hurt because of what you’ve done.

A General Liability policy can protect you against any claim by an outside party regarding injury or damage to their property. In these instances, your policy will cover your legal expenses as well as your cost to replace or remedy the situation up to the limits of liability.

Oregon contractors can protect their bank accounts with General Liability coverage. You may also see these policies called Commercial General Liability (CGL) or “slip and fall” coverage.

Business Owner’s Policy

In the construction field, things are not always as expected. Incomplete projects, broken instruments and other problems can cause problems in meeting the deadlines you set.

A Business Owner’s Policy (BOP) is a combination of policies, combining covers such as General Liability insurance and business personal property coverage, to help protect small businesses from costly interruptions to service.

BOP can include specific coverage options that are tailored to your business. It can be a practical, affordable way to cover yourself against the many dangers that contractors are exposed to.

Workers’ Compensation Insurance

If you rely on employees to manage your business, it is your responsibility to look after their health and wellbeing when they’re at work.

Workers’ Compensation insurance protects you against medical expenses and lawsuits that can arise from employee workplace injuries and illnesses. It could also pay lost wages as a result of the work injuries that an employee sustains.

In Oregon, most businesses have to obtain Workers’ Compensation insurance if you have employees.

What does Oregon contractor insurance cover?

Contractor’s insurance can safeguard your business from different risks. You could be covered under your insurance policy for:

  • Third-party and property damage injury claims (General Liability)
  • Unexpected interruptions to business (Business Owner’s Policy)
  • Equipment breakdown (BOP)
  • Injuries and illnesses of employees at work (Workers’ Compensation)

How much is contractors insurance in Oregon?

Business insurance prices vary due to the fact that insurers take a variety of aspects into account when they determine each business’ premium. The cost of your insurance could depend on:

  • What type of insurance are you looking for?
  • The size of your business (annual revenue).
  • How many people is the policy going to cover?
  • Your claim your history
  • Choose the level of coverage

How to get general contractor business insurance in Oregon?

BizInsure can help you protect your contracting business.

Compare multiple quotes within 10 minutes to find coverage for your needs. Policy documents are sent straight to your mailbox.

Need some assistance? We are happy to assist you!

Compare quotes for Oregon general contractors now to get A-rated coverage for your budget.

* This information is a general guide only and does not take into account your objectives, financial situation or needs. Always check with your local licensing board when getting or renewing your [profession] license to ensure you are meeting their current licensing requirements.
As with any insurance, coverage will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this guide is general only and should not be relied upon as advice. The number of quotes provided varies between products, occupations and other underwriting factors determined by the insurers.
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