--- title: "Oregon builders risk: phased construction and waterside work" description: "Oregon projects should disclose all phases of a one-acre common plan, including staging and vertical work, and identify wetlands or waters that may affect the site schedule." canonical: "https://spot.insure/coverage/builders-risk/oregon" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/builders-risk/oregon) # Oregon builders risk: phased construction and waterside work Oregon’s current 1200-C permit can cover phased developments that reach one acre and explicitly includes staging, stockpiling, demolition and vertical construction. Separate removal-fill rules apply to many activities in wetlands and waters, with different thresholds and exceptions. Give the broker the whole project plan, waterside work, materials locations and the exact phase insured.[^1][^2][^3] **Coverage:** [Builders risk](/coverage/builders-risk) · [Oregon](/coverage/states/oregon) ## What Is Builders Risk? Builders risk protects the project you are building, including materials meant for it, against physical loss until construction ends. The gaps that cost owners money are materials in storage or transit, the existing building in a renovation, and coverage ending when you occupy early. [Read the national Builders risk guide](/coverage/builders-risk). ## What to Watch for in Oregon ### Count site work across phases Oregon’s 1200-C permit applies to disturbance of one acre or more and to smaller disturbance within a common plan that reaches one acre; it also includes a small site that is a required component of a one-acre final project. The current permit became effective December 15, 2025 and expires December 14, 2030.[^1] ### Staging and vertical work are within the permit scope DEQ states that once a project meets the coverage criteria, staging, stockpiling, demolition and vertical construction are also regulated. Include these phases and any change in start or completion dates in the broker’s project description; the permit does not set policy coverage dates.[^2] ### Material near wetlands or waters Oregon generally requires a removal-fill permit for moving more than 50 cubic yards in wetlands or waters, and for any amount in designated Essential Salmonid Habitat, State Scenic Waterways and mitigation sites. Maintenance or reconstruction and some small-volume work have exceptions. Confirm resource boundaries and permit status before describing stockpiles or temporary works.[^3] ## Who Regulates Insurance in Oregon **Oregon Division of Financial Regulation.** DFR handles complaints about most insurance lines and provides Oregon license checks for agents, agencies, and insurers. You can use its consumer complaint form if an insurer or agent is not following Oregon law or rules.[^4][^5][^6] - [Regulator website](https://dfr.oregon.gov/) - [License lookup](https://dfr.oregon.gov/help/complaints-licenses/Pages/check-license.aspx) - [File a complaint](https://dfr.oregon.gov/help/complaints-licenses/Pages/file-complaint.aspx) ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 2% of Oregon-home-state gross premiums, plus 0.3% on premium or fees for fire marshal For Oregon-home-state risks, the surplus-lines licensee must collect a 2% tax on gross premiums and a 0.3% fire-marshal tax on premium or fees, in addition to the premium. Oregon requires the policy to warn that losses will not be paid by the state guaranty fund; the exempt-commercial-purchaser search exception requires admitted-market disclosure and a written request.[^7][^8][^9][^10] [Surplus Line Association of Oregon](https://oregonsla.org/) ## Providers With Documented State Licenses No provider in Spot’s research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. [Check the regulator’s license lookup](https://dfr.oregon.gov/help/complaints-licenses/Pages/check-license.aspx) and confirm availability with a provider when requesting a quote. ## Questions to Ask Before You Buy in Oregon 1. Does the whole phased plan, including utilities, reach one acre, and are staging, stockpiles, demolition and vertical work in the permit plan? 2. Does grading or temporary material placement touch a wetland, stream or protected waterway, and which exception or removal-fill authorization applies? 3. Which locations hold project materials before installation, including yards, temporary stockpiles and transit? 4. When does the quote start and end relative to site preparation, stabilization, acceptance and occupancy? ## Builders Risk in Oregon: FAQ ### Does a small Oregon phase stay outside 1200-C if it disturbs less than one acre? Not necessarily. DEQ includes smaller disturbance within a common plan reaching one acre and work that is a necessary component of a final one-acre project.[^1] ### Does every Oregon wetland or water project need a removal-fill permit? No. The general threshold is more than 50 cubic yards in most wetlands or waters; named areas can require a permit for any amount, and specified work has exceptions. Confirm the site’s resource boundary and activity with DSL.[^3] ## Builders Risk in Other States - [Alabama](/coverage/builders-risk/alabama) - [Alaska](/coverage/builders-risk/alaska) - [Arizona](/coverage/builders-risk/arizona) - [Arkansas](/coverage/builders-risk/arkansas) - [California](/coverage/builders-risk/california) - [Colorado](/coverage/builders-risk/colorado) - [Connecticut](/coverage/builders-risk/connecticut) - [Delaware](/coverage/builders-risk/delaware) - [District of Columbia](/coverage/builders-risk/district-of-columbia) - [Florida](/coverage/builders-risk/florida) - [Georgia](/coverage/builders-risk/georgia) - [Hawaii](/coverage/builders-risk/hawaii) - [Idaho](/coverage/builders-risk/idaho) - [Illinois](/coverage/builders-risk/illinois) - [Indiana](/coverage/builders-risk/indiana) - [Iowa](/coverage/builders-risk/iowa) - [Kansas](/coverage/builders-risk/kansas) - [Kentucky](/coverage/builders-risk/kentucky) - [Louisiana](/coverage/builders-risk/louisiana) - [Maine](/coverage/builders-risk/maine) - [Maryland](/coverage/builders-risk/maryland) - [Michigan](/coverage/builders-risk/michigan) - [Minnesota](/coverage/builders-risk/minnesota) - [Mississippi](/coverage/builders-risk/mississippi) - [Missouri](/coverage/builders-risk/missouri) - [Montana](/coverage/builders-risk/montana) - [Nebraska](/coverage/builders-risk/nebraska) - [Nevada](/coverage/builders-risk/nevada) - [New Hampshire](/coverage/builders-risk/new-hampshire) - [New Jersey](/coverage/builders-risk/new-jersey) - [New Mexico](/coverage/builders-risk/new-mexico) - [New York](/coverage/builders-risk/new-york) - [North Carolina](/coverage/builders-risk/north-carolina) - [North Dakota](/coverage/builders-risk/north-dakota) - [Ohio](/coverage/builders-risk/ohio) - [Oklahoma](/coverage/builders-risk/oklahoma) - [Pennsylvania](/coverage/builders-risk/pennsylvania) - [Rhode Island](/coverage/builders-risk/rhode-island) - [South Carolina](/coverage/builders-risk/south-carolina) - [South Dakota](/coverage/builders-risk/south-dakota) - [Tennessee](/coverage/builders-risk/tennessee) - [Texas](/coverage/builders-risk/texas) - [Utah](/coverage/builders-risk/utah) - [Vermont](/coverage/builders-risk/vermont) - [Virginia](/coverage/builders-risk/virginia) - [Washington](/coverage/builders-risk/washington) - [West Virginia](/coverage/builders-risk/west-virginia) - [Wisconsin](/coverage/builders-risk/wisconsin) - [Wyoming](/coverage/builders-risk/wyoming) [Other Coverage in Oregon](/coverage/states/oregon) ## Sources [^1]: [1200-C NPDES Construction Stormwater General Permit](https://www.oregon.gov/deq/wq/Documents/1200CPermit.pdf) — Oregon Department of Environmental Quality; Issued and effective Dec. 15, 2025; expires Dec. 14, 2030. Permit area and coverage, pages 1–2: exclusions and common-plan/required-component thresholds.. Accessed 2026-09-28. [^2]: [1200-C Construction Stormwater Permit](https://www.oregon.gov/deq/housing/Pages/housing-1200c.aspx) — Oregon Department of Environmental Quality; Sections “Your project requires 1200-C permit coverage” and “Key takeaways,” lines 64–73 and later “Phased projects,” “Include all stages of work,” and permit timeline: staging, stockpiling, demolition and vertical construction are included.. Accessed 2026-09-28. [^3]: [Removing or Filling Material](https://www.oregon.gov/dsl/wetlands-waters/Pages/removal-fill.aspx) — Oregon Department of State Lands; Lines 37–53 and 69–84: >50-cubic-yard threshold in most wetlands/waters, any amount in named areas, example activities and exemptions, including maintenance/reconstruction and <50 cubic yards with named-area exceptions.. Accessed 2026-09-28. [^4]: [oregon insurance regulator](https://dfr.oregon.gov/) — State insurance regulator; DFR homepage identifies consumer, licensing, and complaint services.. Accessed 2026-09-28. [^5]: [DFR Check a License](https://dfr.oregon.gov/help/complaints-licenses/Pages/check-license.aspx) — State insurance regulator; Insurance industry section links Oregon agent, agency, and company license-status search in NAIC SBS.. Accessed 2026-09-28. [^6]: [DFR File a Complaint](https://dfr.oregon.gov/help/complaints-licenses/Pages/file-complaint.aspx) — State insurance regulator; Online insurance complaint form; DFR says it can review whether a company or agent follows Oregon law and rules.. Accessed 2026-09-28. [^7]: [Oregon Revised Statutes §735.470](https://www.oregonlegislature.gov/bills_laws/ors/ors735.html) — Oregon Legislature; Subsections (1)(a)–(c), (4): 2% on Oregon-home-state gross premiums plus 0.3% of premium or fees for fire marshal; licensee collects taxes in addition to premium.. Accessed 2026-09-28. [^8]: [Oregon Revised Statutes §§735.405, 735.410, 735.470](https://www.oregonlegislature.gov/bills_laws/ors/ors735.html) — Oregon Legislature; ORS 735.470(1)(a) taxes Oregon-home-state risks; ORS 735.418 authorizes interstate allocation procedures.. Accessed 2026-09-28. [^9]: [Surplus Lines Insurance](https://dfr.oregon.gov/business/licensing/insurance/institutions/pages/surplus-lines-insurance.aspx) — Oregon Division of Financial Regulation; Page states surplus-lines insurance through a nonlicensed insurer is not protected by the Oregon Insurance Guaranty Association.. Accessed 2026-09-28. [^10]: [Oregon Revised Statutes §§735.405, 735.410 and 735.415](https://www.oregonlegislature.gov/bills_laws/ors/ors735.html) — Oregon Legislature; 2025 Edition online text: §§735.405(6), 735.410(1)–(2), 735.415(1)(b)–(2); current chapter text includes the ECP definition, diligence rule, disclosure/written-request exception, and policy warning against guaranty fund coverage.. Accessed 2026-09-28. [^11]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^12]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22. [^13]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28. [^14]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16. [^15]: [Licenses](https://www.nextinsurance.com/insurance-licenses/) — ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885.. Accessed 2026-09-28. [^16]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28. [^17]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15. Updated 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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