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Oregon Umbrella and Excess Liability Guide

ORS 806.070 sets the minimum payment schedule used for an insurance policy under ORS 806.080, for a self-insured person, and for the minimum payment of a judgment: $25,000 for bodily injury or death of one person, $50,000 for two or more persons, and $20,000 for property of others. ORS 31.610 then states each defendant’s several share as the total damages found by the trier of fact, with no reduction for settlements or contribution, multiplied by that person’s percentage of fault. Within one year after the judgment is final, the court reallocates an uncollectible share among the other parties, including any fault allocated to the claimant. The umbrella should sit above the $25,000/$50,000/$20,000 schedule, and the excess exposure can grow if another party’s share is later reallocated. 1,2

What Is Umbrella And Excess Liability?

Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. Read the national Umbrella and excess liability guide.

Oregon Requirements

RequirementDetails
Financial-responsibility payment scheduleORS 806.070(2) sets $25,000 for bodily injury or death of one person, $50,000 for two or more persons, and $20,000 for injury to or destruction of property of others. An insurance policy described in ORS 806.080 must provide at least these payments to qualify under ORS 806.060. A self-insured person under ORS 806.130 must agree to pay on the same schedule. This is not an umbrella minimum. 1

What to Watch for in Oregon

  • The same schedule does three jobs

    Section 806.070(1) uses the schedule as the minimum payments an insurance policy must cover to qualify as financial responsibility, as the amount a self-insured person must agree to pay, and as the minimum required payment of a judgment for ORS 809.130 and 809.415. A certificate that shows only a combined single limit still has to be checked against each of the three scheduled amounts. 1

  • A defendant’s several share is not reduced by what others already paid

    ORS 31.610 calculates each person’s share as total damages found by the trier of fact, with no reduction for amounts paid in settlement or by contribution, multiplied by that person’s fault percentage. A co-defendant’s settlement does not, under that sentence, shrink the insured’s several dollar share. The excess attachment point is still the scheduled underlying limit, not the other defendant’s payment. 2

  • An uncollectible share can be reallocated for a year

    Subsection (3) allows a motion not later than one year after the judgment becomes final by lapse of the time for appeal or after appellate review. If a share is uncollectible, the court reallocates it on the basis of each party’s fault percentage, and the claimant’s share of that reallocation is based on the claimant’s own fault percentage. Keep the excess file open through that year if a co-defendant looks unable to pay. 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 Umbrella and excess 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.

  • 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. 12
  • 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. 15
  • 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. 16

Questions to Ask Before You Buy in Oregon

  1. Does the auto policy or self-insurance agreement meet the ORS 806.070 schedule of $25,000/$50,000/$20,000?
  2. What percentage of fault was assigned, given that the several share uses total damages without a settlement credit?
  3. Is a reallocation motion still available within one year after the judgment became final?

Umbrella And Excess Liability in Oregon: FAQ

What payment schedule does Oregon use for financial responsibility? 1

ORS 806.070 sets $25,000 for bodily injury or death of one person, $50,000 for two or more persons, and $20,000 for property of others. 1

How is one Oregon defendant’s dollar share calculated? 2

ORS 31.610 sets the share at total damages found by the trier of fact, without reduction for settlement or contribution, multiplied by that person’s percentage of fault. An uncollectible share may be reallocated on a motion made within one year after the judgment is final. 2

Umbrella And Excess Liability in Other States

Other Coverage in Oregon

Sources

  1. ORS 806.070, Minimum payment schedule. Oregon Legislative Counsel; ORS 806.070(1)–(2): $25,000/$50,000 bodily injury or death and $20,000 property, for policies, self-insurance, and minimum judgment payment. Accessed 2026-09-29.
  2. ORS 31.610, Several liability. Oregon Legislative Counsel; Several share equals total damages times fault percentage, with no settlement reduction; one-year reallocation of uncollectible shares. 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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