Contractor Insurance Oregon
Comprehensive Coverage for Oregon General Contractors & Subcontractors
Contractor Insurance Oregon
Comprehensive Coverage for Oregon General Contractors & Subcontractors
About Contractor Insurance in Oregon
Oregon contractors face significant risks on every job — from property damage and bodily injury claims to employee injuries and equipment theft. Oregon's Construction Contractors Board (CCB) requires contractors to carry general liability insurance and a surety bond to maintain their license. But CCB minimums are often insufficient for the actual risks contractors face.
Prineville Insurance has been serving Central Oregon contractors since 1935. Our agents understand the specific insurance needs of Oregon contractors — from general contractors and roofers to plumbers, electricians, and landscapers. We work with commercial carriers that specialize in contractor coverage to find the right protection at competitive rates.
Why Choose Prineville Insurance?
- Independent agency — we work for you, not the insurance company
- 50+ top-rated insurance carriers to compare
- Licensed Oregon agents with local expertise
- Serving Central Oregon since 1935
- Competitive rates through market comparison
- Personalized service and claims advocacy
What Contractor Insurance Covers
Oregon contractors need a comprehensive insurance package to protect their business, employees, and clients.
General Liability
Covers bodily injury and property damage claims on job sites — required for Oregon CCB licensing and most commercial contracts.
Workers' Compensation
Required for Oregon contractors with employees — covers medical expenses and lost wages for workers injured on the job.
Commercial Auto
Covers trucks, vans, and other vehicles used for contracting work — personal auto policies exclude business use.
Tools & Equipment
Covers theft and damage to your tools and equipment — one of the most common claims for Oregon contractors.
Builder's Risk
Covers buildings under construction against fire, storm, theft, and vandalism — required by most construction contracts.
Surety Bonds
Required for Oregon CCB licensing — guarantees your performance and protects clients from contractor default.
Why Oregon Contractors Choose Prineville Insurance
Oregon CCB Requirements
Oregon's Construction Contractors Board requires contractors to carry general liability insurance and a surety bond to maintain their license. The CCB minimum is 00,000 general liability, but most commercial contracts require M or more. Prineville Insurance can help you meet CCB requirements and client contract requirements.
Workers' Comp for Contractors
Oregon requires workers' compensation for all contractors with employees. Even if you use subcontractors, you may have workers' comp exposure if they're not properly insured. Prineville Insurance can help you navigate workers' comp requirements and find competitive rates.
Tools & Equipment Protection
Tool theft is one of the most common claims for Oregon contractors. A comprehensive tools and equipment policy covers your tools whether they're on the job site, in your truck, or at your shop. Coverage can be added to your commercial auto or as a standalone inland marine policy.
Central Oregon Construction Market
Central Oregon's construction market is booming — from Bend's rapid residential growth to commercial development in Redmond and Prineville. Prineville Insurance understands the local construction market and can find coverage tailored to Central Oregon contractors.
Contractor Insurance Oregon — Frequently Asked Questions
Common questions about insurance for Oregon contractors and construction businesses
Still have questions? Our licensed agents are here to help.
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