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Commercial Auto Insurance in Oregon

Oregon intrastate 1A carriers must file public-liability and property-damage proof with ODOT’s Commerce and Compliance Division, which lists $750,000 per accident as the minimum acceptable auto liability. OAR 740-040-0030 separately requires $10,000 cargo proof for Class 1A carriers unless ODOT waives it for commodities not subject to material damage or loss through ordinary transportation hazards. 1,2

What Is Commercial Auto?

Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. Read the national Commercial auto guide.

Oregon Requirements

RequirementDetails
Intrastate 1A carrier filing$750,000 per accident combined single limit 1
Cargo filing when required$10,000 minimum acceptable cargo amount 1

What to Watch for in Oregon

  • File Before 1A Authority Is Used

    ODOT says intrastate 1A applicants must file public-liability and property-damage proof with CCD when vehicles are registered and enrolled in Oregon’s weight-mile program; the filing is due within 60 days. The agency warns that late documents can suspend the carrier, so check the filing status before operating. 1,2

  • Use the Carrier Limit, Not the General Floor

    For these 1A carrier filings, Oregon lists $750,000 per accident combined single limit. Do not substitute the state’s general vehicle minimum when arranging insurance for this regulated authority. 1,2

  • Ask Whether Your Haul Requires Cargo Proof

    OAR 740-040-0030 requires Class 1A carriers to file at least $10,000 cargo proof. ODOT may waive the filing when service is limited to commodities not subject to material damage or loss through ordinary transportation hazards; verify any waiver with CCD rather than assuming a commodity exception. 2,1

  • Have the Insurer File the Certificate

    ODOT requires the underwriting insurer to file Form E for liability or Form H for cargo with CCD. Keep the state’s online insurance lookup and the insurer confirmation aligned before replacing an expiring form. 1,2

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. 3,4,5

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. 6,7,8,9

Surplus Line Association of Oregon

Providers With Documented State Licenses

These providers publish a national listing for Commercial auto; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Oregon. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. 12
  • TechInsuranceSpecialty Program Group LLCInsurance producer · checked 2026-09-28TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. 15

Questions to Ask Before You Buy in Oregon

  1. Does our Oregon work require intrastate 1A permit authority, or another filing category?
  2. Has the insurer filed the liability Form E with CCD for every registered and weight-mile-enrolled unit?
  3. Does the commodity or load type we haul trigger Form H cargo proof, and is its amount at least the state minimum?

Commercial Auto in Oregon: FAQ

What insurance limit does Oregon require for intrastate 1A carriers? 1,2

ODOT lists a $750,000 per-accident combined single limit for intrastate 1A carrier filings. The carrier must file liability and property-damage proof with CCD. 1,2

Does Oregon require cargo insurance for intrastate carriers? 2,1

Yes. Oregon’s rule requires a $10,000 cargo filing for Class 1A carriers, but ODOT may waive it for commodities not subject to material damage or loss through ordinary transportation hazards. 2,1

Commercial Auto in Other States

Other Coverage in Oregon

Sources

  1. Intrastate Carrier Insurance Requirements. Oregon Department of Transportation, Commerce and Compliance Division; Intrastate 1A filing scope, 60-day filing schedule/late suspension, $750,000 per-accident minimum, Form E; cargo applicability and $10,000/Form H; agency explains OAR 740-040-0010 to 0030; accessed 2026-09-28. Accessed 2026-09-28.
  2. Oregon Administrative Rules, Division 40, Insurance and Bonds. Oregon Secretary of State, Oregon Administrative Rules; OAR 740-040-0010, 0020, 0030, 0040: liability policy scope, $750,000 minimum, Class 1A/1G/1B/1C cargo $10,000 with waiver for commodities not subject to material ordinary-transport damage, and suspended operation/authority after cancellation; current official compilation accessed 2026-09-28; displayed amendment histories date to 1996. Accessed 2026-09-28.
  3. oregon insurance regulator. State insurance regulator; DFR homepage identifies consumer, licensing, and complaint services. Accessed 2026-09-28.
  4. DFR Check a License. State insurance regulator; Insurance industry section links Oregon agent, agency, and company license-status search in NAIC SBS. Accessed 2026-09-28.
  5. DFR File a Complaint. 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.
  6. Oregon Revised Statutes §735.470. 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.
  7. Oregon Revised Statutes §§735.405, 735.410, 735.470. Oregon Legislature; ORS 735.470(1)(a) taxes Oregon-home-state risks; ORS 735.418 authorizes interstate allocation procedures. Accessed 2026-09-28.
  8. Surplus Lines Insurance. 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.
  9. Oregon Revised Statutes §§735.405, 735.410 and 735.415. 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.
  10. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  11. Licenses and Carriers. 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.
  12. Insurance Producer 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.
  13. About Hiscox US 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.
  14. 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.
  15. Insurance Licenses by State. 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.
  16. 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 .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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