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Intellectual Property Insurance in Oregon

Oregon’s patent-demand law flags letters that omit patent ownership, a claim-to-product explanation, or a reasonable response period as possible evidence of bad faith. Preserve the full communication and ask whether your policy covers defense of the underlying patent claim. 2

What Is Intellectual Property?

Intellectual property insurance comes in two separate parts: defense, when you're accused of infringing a patent, trademark or copyright, and enforcement, when you pursue someone who copied yours. A defense-only quote doesn't pay for your own lawsuit, so ask for each part you need. Read the national Intellectual property guide.

What to Watch for in Oregon

  • Match the State Rule to Your Coverage

    Oregon’s patent-demand law flags letters that omit patent ownership, a claim-to-product explanation, or a reasonable response period as possible evidence of bad faith. Preserve the full communication and ask whether your policy covers defense of the underlying patent claim. 2

  • Plan for the State Remedy

    Oregon treats a continuing trade-secret misappropriation as one claim for its three-year discovery-based filing period. Record when you first had reason to suspect a leak and send notice under the policy without waiting for a final investigation. 2

  • Check the Policy Against the Claim

    Oregon’s trade-secret statute allows injunctions against threatened misuse and damages based on actual loss or unjust enrichment. Ask whether your coverage includes injunction defense and the costs of evaluating a proposed license. 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

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 and confirm availability with a provider when requesting a quote.

Questions to Ask Before You Buy in Oregon

  1. Does this policy cover a patent demand aimed at our business in Oregon, including defense costs?
  2. Which details in a patent demand should we preserve for counsel and the insurer?
  3. Can we report a demand before we know whether the sender’s patent claim has merit?

Intellectual Property in Oregon: FAQ

What is the key Oregon rule for a trade-secret claim? 2

Oregon’s patent-demand law flags letters that omit patent ownership, a claim-to-product explanation, or a reasonable response period as possible evidence of bad faith. Preserve the full communication and ask whether your policy covers defense of the underlying patent claim. 2

How should I handle a suspected intellectual-property claim in Oregon? 2,1

Notify the insurer promptly and preserve the first demand, access logs, agreements, and discovery date. Oregon’s trade-secret statute allows injunctions against threatened misuse and damages based on actual loss or unjust enrichment. Ask whether your coverage includes injunction defense and the costs of evaluating a proposed license. The federal Defend Trade Secrets Act is a separate claim with its own filing period. 2,1

Intellectual Property in Other States

Other Coverage in Oregon

Sources

  1. 18 U.S.C. § 1836, Civil Proceedings. Office of the Law Revision Counsel, U.S. House of Representatives; § 1836(b)(1), (3): federal civil action, injunction, and damages for qualifying trade secret misappropriation. Accessed 2026-09-29.
  2. Oregon Uniform Trade Secrets Act. Oregon Legislature; ORS 646.461–.475 (trade secrets); ORS 646A.810–.828 (patent assertions). Accessed 2026-09-29.
  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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