---
title: "Business Insurance in Oregon"
description: "34 state-specific insurance coverage guides, plus Oregon Division of Financial Regulation contact and license lookup resources for Oregon."
canonical: "https://spot.insure/coverage/states/oregon"
page-type: "coverage-state-hub"
updated-at: "2026-09-28"
---

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[Human-readable page](https://spot.insure/coverage/states/oregon)

# Business Insurance in Oregon

## Insurance Regulator

**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.[^1][^2][^3]

- [Regulator website](https://dfr.oregon.gov/)
- [License lookup](https://dfr.oregon.gov/help/complaints-licenses/Pages/check-license.aspx)
- [File a complaint](https://dfr.oregon.gov/help/complaints-licenses/Pages/file-complaint.aspx)

## 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.[^4][^5][^6][^7]
[Surplus Line Association of Oregon](https://oregonsla.org/)

## Coverage Guides

- [General Liability Insurance in Oregon](/coverage/general-liability/oregon): Oregon's CCB ties contractor GL minimums to the license endorsement and requires the certificate to show products and completed-operations coverage.
- [Directors and Officers (D&O) Insurance in Oregon](/coverage/directors-officers/oregon): See how Oregon's corporate indemnification and insurance statutes affect the D&O policy questions you should ask.
- [Technology E&O Insurance in Oregon](/coverage/technology-errors-omissions/oregon): Most contract actions must be started within six years, and a defendant’s several share is its fault percentage of the full damages.
- [Cyber Liability Insurance in Oregon](/coverage/cyber/oregon): Oregon gives covered entities 45 days to notify consumers and requires a separate DOJ filing above 250 affected consumers.
- [Media Liability Coverage in Oregon](/coverage/media/oregon): Oregon makes a written correction or retraction request within 20 days of learning of a defamatory statement relevant to general damages, and gives the publisher up to two weeks to investigate before publishing a correction.
- [Oregon EPLI: Five-year windows for specified discrimination claims](/coverage/employment-practices/oregon): Oregon separates one-year administrative periods from five-year periods for several listed employment claims, and BOLI requires a signed complaint rather than an intake questionnaire alone.
- [Fiduciary Liability Insurance in Oregon](/coverage/fiduciary/oregon): Review Oregon retirement-program and payroll duties alongside the employer’s plan-sponsor responsibilities.
- [Oregon Hired and Non-Owned Auto Coverage](/coverage/hired-non-owned-auto/oregon): Oregon requires financial responsibility for motor-vehicle liability and requires PIP in covered auto policies, subject to exceptions.
- [Professional Liability (E&O) Insurance in Oregon](/coverage/professional-errors-omissions/oregon): Compare Oregon’s mandatory lawyer liability fund with the separate financial-assurance rules for home-inspection contractors.
- [Workers’ Compensation Insurance in Oregon](/coverage/workers-compensation/oregon): Learn when Oregon businesses must secure workers’ compensation, which exceptions apply, and what coverage route to discuss with a broker.
- [Oregon Business Owners Policy: Compare Property Value and Earthquake Gaps](/coverage/business-owners-policy/oregon): Oregon DFR explains actual-cash-value versus replacement-cost settlement and the distinct tsunami, landslide and earthquake coverage questions.
- [Oregon Umbrella and Excess Liability Guide](/coverage/umbrella-excess/oregon): Oregon’s financial-responsibility schedule is $25,000/$50,000/$20,000, and each defendant’s share of a tort judgment is several, with a one-year reallocation for uncollectible shares.
- [Medical malpractice insurance in Oregon](/coverage/medical-malpractice/oregon): Oregon protects certain patient-safety disclosures from being used as a reason to deny coverage but leaves payment terms to the policy.
- [Representations and Warranties Insurance in Oregon](/coverage/representations-warranties/oregon): Check Oregon contract claim deadlines against negotiated representation survival, policy notice dates, and any home-state surplus-lines tax.
- [Kidnap and Ransom Insurance in Oregon](/coverage/kidnap-ransom/oregon): See how Oregon's surplus-lines tax and insurer insolvency rules can affect a K&R quote.
- [Oregon Crime Insurance Guide](/coverage/crime/oregon): How Oregon funds-transfer and computer-crime laws shape questions to ask about commercial crime coverage.
- [Commercial Auto Insurance in Oregon](/coverage/commercial-auto/oregon): Oregon intrastate 1A carriers file liability proof with ODOT and may also need cargo insurance; the agency lists a $750,000 liability floor for that authority.
- [Cargo Insurance in Oregon](/coverage/cargo-transit/oregon): Oregon’s household-mover form distinguishes carrier liability from insurance and puts released-value protection at 60 cents per pound per article.
- [Liquor Liability in Oregon](/coverage/liquor-liability/oregon): Oregon law uses visible intoxication as a civil-liability trigger for alcohol service and gives a separate rule for service to people under 21.
- [Key Person Insurance in Oregon](/coverage/key-person/oregon): Learn how Oregon insurable-interest rules, employee consent, and life guaranty limits affect a business-owned key person policy.
- [Commercial Property Insurance in Oregon](/coverage/commercial-property/oregon): Compare Oregon’s standard-fire valuation rules with commercial package exceptions, wildfire claims guidance, and the values assigned to owned or leased property.
- [Oregon garage liability for motor vehicle dealers](/coverage/garage-liability/oregon): Learn Oregon’s dealer insurance filing rules, narrow exemptions, and risk of a policy lapse.
- [Oregon Public Construction Bonds](/coverage/surety-bonds/oregon): Check Oregon public-work bond triggers, required amounts, acceptable security, and claim protections before you bid.
- [Oregon builders risk: phased construction and waterside work](/coverage/builders-risk/oregon): Oregon projects should disclose all phases of a one-acre common plan, including staging and vertical work, and identify wetlands or waters that may affect the site schedule.
- [Equipment Breakdown Insurance in Oregon](/coverage/equipment-breakdown/oregon): Oregon requires a posted operating permit for nonexempt boilers and pressure vessels, and it notifies the chief inspector when boiler insurance ends.
- [Oregon Management Liability Insurance](/coverage/management-liability/oregon): Compare Oregon employment-law exposure and company indemnification duties with D&O and EPL policy terms.
- [Oregon Fidelity Bonds for Credit Unions](/coverage/fidelity-bonds/oregon): Learn which Oregon businesses must maintain fidelity bonds, how much coverage applies, and which employees or losses the bond must include.
- [Intellectual Property Insurance in Oregon](/coverage/intellectual-property/oregon): Learn how Oregon law treats trade secrets and related intellectual-property claims, and what to ask before choosing coverage.
- [Contract Frustration Insurance in Oregon](/coverage/contract-frustration/oregon): How Oregon export services and insurance-placement rules shape a contract-frustration policy.
- [Venture Capital Asset Protection Insurance in Oregon](/coverage/venture-capital-asset-protection/oregon): Check how Oregon adviser rules and fund entity structure affect a venture capital manager’s insurance review.
- [Digital asset business insurance in Oregon](/coverage/digital-assets/oregon): Review Oregon's digital-asset licensing and custody rules before comparing cover for exchanges, custodians, wallets, or kiosks.
- [Telehealth Insurance in Oregon](/coverage/virtual-care-telehealth/oregon): Oregon-regulated plans generally must cover an otherwise covered, medically necessary telemedicine service when it is safe, effective, and privacy-compliant, and pay the same reimbursement as in person. Check how the rule affects remote care and reimbursement in Oregon.
- [Employee Health Benefits in Oregon](/coverage/employee-health-benefits/oregon): Oregon gives employees of employers with fewer than 20 people a state continuation route for up to nine months after job loss or an hours reduction, subject to three months of prior continuous coverage.
- [Trucking Insurance in Oregon](/coverage/trucking/oregon): Check Oregon’s intrastate 1A liability filing, cargo proof, and deadline before registering trucks for operation on state highways.

State information is based on the cited sources. Confirm current requirements with the regulator and discuss your circumstances with a licensed insurance professional.

## Sources

[^1]: [oregon insurance regulator](https://dfr.oregon.gov/) — State insurance regulator; DFR homepage identifies consumer, licensing, and complaint services.. Accessed 2026-09-28.
[^2]: [DFR Check a License](https://dfr.oregon.gov/help/complaints-licenses/Pages/check-license.aspx) — State insurance regulator; Insurance industry section links Oregon agent, agency, and company license-status search in NAIC SBS.. Accessed 2026-09-28.
[^3]: [DFR File a Complaint](https://dfr.oregon.gov/help/complaints-licenses/Pages/file-complaint.aspx) — 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.
[^4]: [Oregon Revised Statutes §735.470](https://www.oregonlegislature.gov/bills_laws/ors/ors735.html) — 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.
[^5]: [Oregon Revised Statutes §§735.405, 735.410, 735.470](https://www.oregonlegislature.gov/bills_laws/ors/ors735.html) — Oregon Legislature; ORS 735.470(1)(a) taxes Oregon-home-state risks; ORS 735.418 authorizes interstate allocation procedures.. Accessed 2026-09-28.
[^6]: [Surplus Lines Insurance](https://dfr.oregon.gov/business/licensing/insurance/institutions/pages/surplus-lines-insurance.aspx) — 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.
[^7]: [Oregon Revised Statutes §§735.405, 735.410 and 735.415](https://www.oregonlegislature.gov/bills_laws/ors/ors735.html) — 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.
[^8]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
[^9]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — 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.
[^10]: [Insurance Producer Licenses](https://www.corgi.insure/broker-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.
[^11]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-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.
[^12]: [Licenses](https://www.nextinsurance.com/insurance-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.
[^13]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — 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.
[^14]: [Licenses](https://www.vouch.us/legal/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 2026-09-28.

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