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Product Liability in Oregon

Oregon generally requires a personal-injury or property-damage product claim within two years after discovery of both the harm and its causal relationship to the product. An outside deadline is the later of 10 years after first purchase or the equivalent repose period in the manufacturing state, which can change the timeline for imported goods. 1,2

What Is Product Liability?

Product liability can cover claims that a product you make, import, distribute or sell injured someone or damaged property. If your business handles products, describe every role in the supply chain and ask how the quote treats product damage and recall costs. Read the national Product liability guide.

What to Watch for in Oregon

  • Record where the product was made

    Oregon’s outside time rule compares ten years from first purchase with an equivalent repose period in the state of manufacture, or the state of import for foreign-made products. Maintain origin and first-purchase records, especially for imported inventory, because they can affect the applicable cutoff. 1

  • Track both harm and product causation

    The two-year period begins when the claimant discovers or reasonably should discover both the harm and its causal relationship to the product or defendant conduct. Preserve incident, complaint, diagnosis, and investigation dates rather than relying on the date a customer first contacts you. 1

  • Check which state’s product law applies

    Oregon’s choice-of-law statute lists conditions for applying Oregon law to a product-liability case. For products sold across state lines, give the broker the injured person’s domicile, injury location, product origin, and sale route so the policy review can account for a multi-state claim. 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 Product liability; 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.

  • VouchVouch Specialty Insurance Services, LLCInsurance producer, Surplus-lines broker · checked 2026-09-28Vouch’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. 16Vouch lists product liability among the core coverages in its technology-company programs.

Questions to Ask Before You Buy in Oregon

  1. Which entities design, import, manufacture, label, distribute, install, or sell our products in Oregon?
  2. What product dates, warnings, warranties, and change records should we preserve for claims in Oregon?
  3. How do the policy’s product wording, reporting terms, and defense provisions apply when a claim involves several product-chain businesses?

Product Liability in Oregon: FAQ

Can an out-of-state product change Oregon’s repose deadline? 1,2

Yes. Oregon’s § 30.905 compares its 10-year period with the equivalent repose period in the state where the product was manufactured, or where it was imported if made abroad, and uses the later period. 1,2

How does Oregon account for an out-of-state product’s repose period? 1

Section 30.905 compares Oregon’s period with an equivalent repose period in the manufacturing state, or the import state for a foreign-made product, and applies the later period. 1

Product Liability in Other States

Other Coverage in Oregon

Sources

  1. Oregon Revised Statutes § 30.905. Oregon legislature / statutes; Two-year discovery period and outside timing rule tied to 10 years after first purchase or equivalent repose in product manufacturing/import state. Accessed 2026-09-29.
  2. oregon insurance regulator. State insurance regulator; DFR homepage identifies consumer, licensing, and complaint services. Accessed 2026-09-28.
  3. 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.
  4. 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.
  5. 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.
  6. 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.
  7. 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.
  8. 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.
  9. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  10. 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.
  11. 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.
  12. 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.
  13. 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.
  14. 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.
  15. 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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