Oregon EPLI: Five-Year Windows for Specified Discrimination Claims

Oregon’s current statute sets a five-year BOLI complaint period for specified claims, including discrimination under ORS 659A.030, .082, .112, and .370; other unlawful-practice complaints generally have a one-year deadline. The listed provisions also have separate civil-action periods, and a submitted BOLI questionnaire is not itself a filed complaint.

What Is Employment Practices Liability Insurance?

EPLI can help pay covered defense costs and losses when applicants or workers allege discrimination, harassment, wrongful termination or other workplace wrongdoing. If you employ people, check the claim definition, defense costs and prior acts. Read the national Employment practices liability guide.

Oregon Employment Practices Liability Insurance Requirements

Requirement	Details
Different claim clocks	One year generally; five years for complaints alleging violations of ORS 659A.030, .082, .112, or .370. Civil-action periods depend on the claim and whether an administrative complaint was timely filed. ¹

What to Watch for With Employment Practices Liability in Oregon

The five-year period is limited to listed statutes
ORS 659A.820(3) provides five years for complaints under §659A.030 and other enumerated sections; subsection (2) keeps a one-year default for other claims. The statute’s 2025 chapter history reflects a current amended text. Ask counsel to classify the actual claim before relying on a deadline. ¹
An intake questionnaire is not a filed complaint
BOLI says its questionnaire is the first step; the formal complaint must be written, reviewed, signed, and received by BOLI before it is filed. For a buyer, this affects how an early inquiry or charge should be routed and reported under policy terms. ²
Public employers have additional claim conditions
ORS 659A.875 requires notice under the Oregon Tort Claims Act in civil actions against a public body and sets distinct limitation rules. Ask whether a public entity, public employee, or contractor is involved and have counsel check the applicable notice requirement; a policy does not alter it. ¹

Providers With Oregon License Records

These providers publish a national listing for Employment practices liability; the license records below name the licensed entities and roles. 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.

Coalition
Insurance producer, Surplus-lines broker · checked 2026-09-28
Coalition Insurance Solutions, Inc.
Coalition’s license page lists producer and surplus-lines licenses for Coalition Insurance Solutions, Inc. in all 50 states and the District of Columbia. The page separately lists insurers; this record covers the brokerage entity only. ¹¹
Coalition offers employment practices liability through its executive-risks product for private and nonprofit US organizations.
Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
Corgi’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
Corgi lists employment practices liability among its business-insurance offerings.
TechInsurance
Insurance producer · checked 2026-09-28
Specialty Program Group LLC
TechInsurance’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
TechInsurance arranges employment practices liability insurance for small businesses.
Vouch
Insurance producer, Surplus-lines broker · checked 2026-09-28
Vouch Specialty Insurance Services, LLC
Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability. ¹⁶
Vouch lists employment practices liability within its insurance programs for technology companies.

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

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint

Surplus-Lines Tax and Stamping Office in Oregon

Reported tax rate. 2% of Oregon-home-state gross premiums, plus 0.3% on premium or fees for fire marshal ^6,^7,^8,⁹

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.

Surplus Line Association of Oregon

Questions to Ask Before You Buy Employment Practices Liability in Oregon

Does the policy respond to a signed BOLI complaint, a questionnaire, or earlier written allegations?
Which ORS 659A claim types are expressly within the claim definition, and do defense-cost or remedy exclusions apply?
Does the insured include a public body or any public employee, and who tracks separate notice conditions?
How does the insurer treat related acts and the applicable prior-acts date?

Employment Practices Liability Insurance in Oregon: FAQ

Do all Oregon employment claims have a five-year agency deadline?

No. The five-year period applies to claims under enumerated sections, including ORS 659A.030, .082, .112, and .370. Other unlawful-practice complaints generally have a one-year limit under §659A.820(2). ¹

Does submitting a BOLI questionnaire itself file the complaint?

BOLI says no. The complaint is not filed until the signed formal complaint is received. Ask how the policy handles earlier notices and do not treat a questionnaire as a substitute for policy reporting. ²

Sources for Employment Practices Liability Insurance in Oregon

1
Oregon Revised Statutes, Chapter 659A. Oregon Legislative Assembly; ORS 659A.820(2)–(3) administrative periods; ORS 659A.875 civil periods/public-body notice; text includes 2025 legislation history. Accessed 2026-09-28.
2
BOLI investigations. Oregon Bureau of Labor and Industries; Civil rights investigations and enforcement, Intake/Investigation, lines 102–115: questionnaire starts process; complainant reviews/signs/returns complaint; case filing date is receipt of signed complaint; accessed 2026-09-28. 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.

Oregon EPLI: Five-Year Windows for Specified Discrimination Claims

What Is Employment Practices Liability Insurance?

Oregon Employment Practices Liability Insurance Requirements

What to Watch for With Employment Practices Liability in Oregon

The five-year period is limited to listed statutes

An intake questionnaire is not a filed complaint

Public employers have additional claim conditions

Providers With Oregon License Records

Coalition

Corgi

TechInsurance

Vouch