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Professional Liability (E&O) Insurance in Oregon

Oregon requires active lawyers in private practice with a principal office in Oregon to participate in the Oregon State Bar Professional Liability Fund unless exempt; lawyers practicing in Oregon from an out-of-state principal office generally need substantially equivalent malpractice coverage. The state’s separate home-inspector statute specifies a surety bond and general liability, not an E&O minimum. 1,2

What Is Professional Errors And Omissions (E&O)?

Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. Read the national Professional errors and omissions (E&O) guide.

Oregon Requirements

RequirementDetails
Private-Practice Lawyer CoverageMandatory participation in PLF unless a stated exemption applies; out-of-state principal office requires substantially equivalent malpractice coverage 1
Home-Inspector Contractor AssuranceFor home-inspector-services contractors: $15,000 surety bond and at least $100,000 general liability; not an E&O limit 2

What to Watch for in Oregon

  • Locate the Lawyer’s Principal Office

    The Oregon Bar’s 2026 licensure rules tie mandatory PLF participation to an active licensee’s principal office in Oregon and private-practice status, subject to exemptions. For a firm with several offices or status types, confirm each attorney’s principal office and exemption before treating the firm’s coverage as compliant. 1

  • Out-of-State Offices Need Equivalent Coverage

    An active lawyer with a principal office outside Oregon who practices law in Oregon must obtain malpractice coverage substantially equivalent to PLF primary coverage unless otherwise exempt. Ask the broker or Bar how the policy’s limits, covered activities, and reporting terms meet that standard; the rule does not make every out-of-state policy equivalent automatically. 1

  • Do Not Treat Home-Inspector GL as E&O

    An Oregon contractor providing home-inspector services must carry a $15,000 surety bond and at least $100,000 general liability, and the business must use a certified residential home inspector. Those requirements do not establish professional-liability coverage for inspection reports, so request E&O terms separately if your firm wants that protection. 2,3

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

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

Providers With Documented State Licenses

These providers publish a national listing for Professional errors and omissions (E&O); 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.

  • At-BayAt-Bay Insurance Services LLCInsurance producer, Surplus-lines broker · checked 2026-09-28At-Bay’s license page lists P&C producer and surplus-lines broker license numbers for all 50 states and the District of Columbia. These are company disclosures and do not establish product availability in each jurisdiction. 11
  • CoalitionCoalition Insurance Solutions, Inc.Insurance producer, Surplus-lines broker · checked 2026-09-28Coalition’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. 12
  • 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. 13
  • ERGO NEXT InsuranceNext First Insurance Agency, Inc.Insurance producer · checked 2026-09-28ERGO NEXT’s current license table lists Next First Insurance Agency, Inc. in 50 jurisdictions, including Washington, DC; New York is excluded because its table rows name Next Insurance Services and AP Intego, not Next First. The table is company-reported; it does not establish product availability or provide state-regulator verification for each entry. 15
  • HiscoxHiscox Insurance Company Inc.Insurer · checked 2026-09-28Hiscox’s U.S. company information states that Hiscox Insurance Company Inc. is licensed in all 50 states and the District of Columbia. This is company-reported insurer authority for this entity and does not establish which company issues every Hiscox-branded product. 14
  • 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. 16
  • 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. 17

Questions to Ask Before You Buy in Oregon

  1. Which attorneys have an Oregon principal office and private-practice status, and which PLF exemptions are documented?
  2. If an attorney’s principal office is outside Oregon, what written evidence shows the policy is substantially equivalent to PLF primary coverage?
  3. Does our home-inspection-services endorsement restrict the business to inspections only, and does our E&O policy separately cover reports?

Professional Errors And Omissions (E&O) in Oregon: FAQ

Do Oregon lawyers need professional liability insurance? 1

Generally yes. Active licensees in private practice with a principal office in Oregon must participate in the Oregon State Bar Professional Liability Fund unless exempt. Active private-practice licensees with an out-of-state principal office generally need substantially equivalent coverage when practicing in Oregon. 1

Does Oregon require E&O insurance from home-inspection contractors? 2

The home-inspector statute specifies a $15,000 surety bond and at least $100,000 in general liability for a home-inspector-services contractor. It does not specify an E&O minimum in that provision. 2

Professional Errors And Omissions (E&O) in Other States

Other Coverage in Oregon

Sources

  1. Oregon State Bar Rules of Licensure. Oregon State Bar; Title 5 §§5.1–5.4, pp. 13–14; edition dated Jan. 1, 2026; amendments effective Jan. 1, 2026. Accessed 2026-09-28.
  2. Oregon Revised Statutes, Chapter 701. Oregon Legislature; ORS §§701.005, 701.081(6), 701.445, 701.450; 2025 edition. Separate amendments to §701.035 have a July 1, 2027 effective date and do not alter these cited provisions. Accessed 2026-09-28.
  3. CCB License. Oregon Construction Contractors Board; Home Inspector Services endorsement chart and contractor license/insurance requirements; current agency page accessed Sept. 28, 2026. Accessed 2026-09-28.
  4. oregon insurance regulator. State insurance regulator; DFR homepage identifies consumer, licensing, and complaint services. Accessed 2026-09-28.
  5. 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.
  6. 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.
  7. 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.
  8. 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.
  9. 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.
  10. 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.
  11. 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. 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. 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. 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. 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. 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. 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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