--- title: "Oregon Public Construction Bonds" description: "Check Oregon public-work bond triggers, required amounts, acceptable security, and claim protections before you bid." canonical: "https://spot.insure/coverage/surety-bonds/oregon" page-type: "coverage-state-guide" updated-at: "2026-09-29" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/surety-bonds/oregon) # Oregon Public Construction Bonds Oregon requires surety security when public improvement contracts over $100,000, or over $50,000 for highways, bridges, and other transportation projects; performance and payment bonds each equal to the full contract price. Oregon also requires most contractors and subcontractors on prevailing-wage public works projects to file a continuing $30,000 public-works bond with the Construction Contractors Board before starting.[^1][^2] **Coverage:** [Surety bonds](/coverage/surety-bonds) · [Oregon](/coverage/states/oregon) ## What Is Surety Bonds? A surety bond guarantees that your business meets a specific obligation to a customer, contracting party or government agency. If a contract, license or permit requires one, get its exact form and amount; a bond is not insurance for your own losses. [Read the national Surety bonds guide](/coverage/surety-bonds). ## Oregon Requirements | Requirement | Details | | --- | --- | | Public construction security | Public improvement contracts over $100,000, or over $50,000 for highways, bridges, and other transportation projects; performance and payment bonds each equal to the full contract price.[^1] | ## What to Watch for in Oregon ### Check the Oregon Contract Trigger Oregon law triggers public-work security when public improvement contracts over $100,000, or over $50,000 for highways, bridges, and other transportation projects. Performance and payment bonds each equal to the full contract price Ask the contracting agency to confirm whether your project falls under this rule and to state the bond penal sum in the bid documents.[^1] ### Oregon Has Another Bond Rule for This Work Oregon also requires most contractors and subcontractors on prevailing-wage public works projects to file a continuing $30,000 public-works bond with the Construction Contractors Board before starting. Before binding the surety, match the required obligee, bond form, and covered obligation to this separate rule.[^2] ### Match the Solicitation’s Bond Form The ORS 279C.380 governs this statutory obligation, while the project solicitation identifies the obligee, filing deadline, and any bid-security details. Get the final form approved before the bid date and confirm that the named surety is authorized for Oregon work.[^1][^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] - [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.[^6][^7][^8][^9] [Surplus Line Association of Oregon](https://oregonsla.org/) ## Providers With Documented State Licenses These providers publish a national listing for Surety bonds; 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 that the product is available in Oregon; [check the regulator’s license lookup](https://dfr.oregon.gov/help/complaints-licenses/Pages/check-license.aspx) and confirm state availability for your business when requesting a quote. - [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** 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] ## Questions to Ask Before You Buy in Oregon 1. Which Oregon statute or procurement rule triggers this bond for our project, and what is the exact penal sum? 2. Will the obligee accept another form of security, and who must approve that substitution in Oregon? 3. What notice, filing, and claim deadlines should our subcontractors and suppliers track under this bond? ## Surety Bonds in Oregon: FAQ ### When does a Oregon public construction project require a surety bond? Public improvement contracts over $100,000, or over $50,000 for highways, bridges, and other transportation projects. Performance and payment bonds each equal to the full contract price[^1] ### Does Oregon have another bond requirement beyond the public construction bond? Yes. Oregon also requires most contractors and subcontractors on prevailing-wage public works projects to file a continuing $30,000 public-works bond with the Construction Contractors Board before starting.[^2] ## Surety Bonds in Other States - [Alabama](/coverage/surety-bonds/alabama) - [Alaska](/coverage/surety-bonds/alaska) - [Arizona](/coverage/surety-bonds/arizona) - [Arkansas](/coverage/surety-bonds/arkansas) - [California](/coverage/surety-bonds/california) - [Colorado](/coverage/surety-bonds/colorado) - [Connecticut](/coverage/surety-bonds/connecticut) - [Delaware](/coverage/surety-bonds/delaware) - [District of Columbia](/coverage/surety-bonds/district-of-columbia) - [Florida](/coverage/surety-bonds/florida) - [Georgia](/coverage/surety-bonds/georgia) - [Hawaii](/coverage/surety-bonds/hawaii) - [Idaho](/coverage/surety-bonds/idaho) - [Illinois](/coverage/surety-bonds/illinois) - [Indiana](/coverage/surety-bonds/indiana) - [Iowa](/coverage/surety-bonds/iowa) - [Kansas](/coverage/surety-bonds/kansas) - [Kentucky](/coverage/surety-bonds/kentucky) - [Louisiana](/coverage/surety-bonds/louisiana) - [Maine](/coverage/surety-bonds/maine) - [Maryland](/coverage/surety-bonds/maryland) - [Massachusetts](/coverage/surety-bonds/massachusetts) - [Michigan](/coverage/surety-bonds/michigan) - [Minnesota](/coverage/surety-bonds/minnesota) - [Mississippi](/coverage/surety-bonds/mississippi) - [Missouri](/coverage/surety-bonds/missouri) - [Montana](/coverage/surety-bonds/montana) - [Nebraska](/coverage/surety-bonds/nebraska) - [Nevada](/coverage/surety-bonds/nevada) - [New Hampshire](/coverage/surety-bonds/new-hampshire) - [New Jersey](/coverage/surety-bonds/new-jersey) - [New Mexico](/coverage/surety-bonds/new-mexico) - [New York](/coverage/surety-bonds/new-york) - [North Carolina](/coverage/surety-bonds/north-carolina) - [North Dakota](/coverage/surety-bonds/north-dakota) - [Ohio](/coverage/surety-bonds/ohio) - [Oklahoma](/coverage/surety-bonds/oklahoma) - [Pennsylvania](/coverage/surety-bonds/pennsylvania) - [Rhode Island](/coverage/surety-bonds/rhode-island) - [South Carolina](/coverage/surety-bonds/south-carolina) - [South Dakota](/coverage/surety-bonds/south-dakota) - [Tennessee](/coverage/surety-bonds/tennessee) - [Texas](/coverage/surety-bonds/texas) - [Utah](/coverage/surety-bonds/utah) - [Vermont](/coverage/surety-bonds/vermont) - [Virginia](/coverage/surety-bonds/virginia) - [Washington](/coverage/surety-bonds/washington) - [West Virginia](/coverage/surety-bonds/west-virginia) - [Wisconsin](/coverage/surety-bonds/wisconsin) - [Wyoming](/coverage/surety-bonds/wyoming) [Other Coverage in Oregon](/coverage/states/oregon) ## Sources [^1]: [ORS 279C.380](https://www.oregonlegislature.gov/bills_laws/ors/ors279c.html) — ORS 279C.380; ORS 279C.380. Accessed 2026-09-29. [^2]: [Oregon Construction Contractors Board, Licensing](https://www.oregon.gov/ccb/pages/licensing.aspx) — Oregon Construction Contractors Board; Public works bond filing requirement with CCB before starting public works project. Accessed 2026-09-29. [^3]: [oregon insurance regulator](https://dfr.oregon.gov/) — State insurance regulator; DFR homepage identifies consumer, licensing, and complaint services.. Accessed 2026-09-28. [^4]: [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. [^5]: [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. [^6]: [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. [^7]: [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. [^8]: [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. [^9]: [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. [^10]: [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. [^11]: [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. [^12]: [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. [^13]: [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. [^14]: [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. [^15]: [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. [^16]: [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 2026-09-29. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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