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.
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:
This policy is important for all Oregon businesses. It covers common risks, including customer property damage and injuries. Most commercial leases require this coverage.
This policy, also called errors and omissions insurance, protects professionals whose work depends on their expertise. It covers client lawsuits over mistakes and missed deadlines.
This policy helps Oregon businesses survive data breaches and cyberattacks by paying for client notification costs, legal fees, and other related expenses.
This policy bundles property insurance and general liability insurance in one plan. It's often the most cost-effective type of commercial insurance for an Oregon business.
Workers’ compensation insurance is required for Oregon businesses that have employees. It can cover medical costs for work injuries and illnesses.
This policy is required for business-owned vehicles in Oregon. It covers injuries and property damage in an accident, along with vehicle theft, vandalism, and weather damage.
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.