$500 – $2,000/yr

Covers bodily injury and property damage claims from third parties. Required by most commercial leases and contracts. Most small businesses need at least $1M per occurrence.

$800 – $3,000/yr

Bundles general liability and commercial property into one policy at a discounted rate. Ideal for small businesses with a physical location. Includes business interruption coverage.

$1,000 – $5,000+/yr

Required in Oregon for most employers with one or more employees. Cost varies significantly by industry — high-risk industries like construction pay much more than office-based businesses.

$1,200 – $3,500/yr

Required for vehicles used in business operations. Personal auto policies exclude business use. Cost depends on vehicle type, number of vehicles, and driver records.

$800 – $3,000/yr

Covers claims of professional negligence, errors, or omissions. Essential for consultants, contractors, real estate agents, and any business providing professional services.

$600 – $2,500/yr

Covers data breaches, ransomware attacks, and cyber incidents. Increasingly important for any business that stores customer data or processes payments. Oregon has strict data breach notification laws.