Business Insurance in Oregon

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Learn about Oregon's insurance requirements

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What are the requirements for small business insurance in Oregon?

State laws can affect which insurance policies you need for your small business. These policies are required for Oregon businesses.
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Workers' compensation insurance

Every employee, whether full-time or part-time, must be covered by workers’ compensation insurance in Oregon. This policy covers medical bills for work injuries and illnesses.

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Commercial auto insurance

All business-owned vehicles in Oregon must be covered by commercial auto insurance. Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.

Oregon’s commercial auto insurance requirements are:

  • Bodily injury liability: $25,000 per person / $50,000 per accident
  • Property damage liability: $20,000 per accident
  • Uninsured motorist coverage: $25,000 per person / $50,000 per accident
  • Personal injury protection: $15,000

Recommended insurance policies for small businesses in Oregon

Looking for different coverage? See more policies.

How much does small business insurance cost?

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Commercial insurance can be affordable for a small Oregon business. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
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Insureon specializes in Oregon business insurance

In Oregon, insurance agents, agencies, and brokers are licensed by the Oregon Insurance Division. Insureon is licensed in Oregon as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance and for surplus lines (license number 100169620). Verify our licensure with the National Association of Insurance Commissioners: select Oregon, Licensee, Business Entity, and then enter our NPN or license number.

What our customers are saying
"I was confused about what type of coverage I needed and Holly was extremely helpful. Way more helpful than I had experienced with other companies. I got the exact coverage I needed!"
Jessica Shannon
Customer since 2016
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