What is builder's risk insurance and do I need it in Oregon?

Builder's risk insurance covers buildings under construction against damage from fire, wind, theft, vandalism, and other covered perils. In Oregon, builder's risk is typically required by lenders and project owners. It covers the structure being built, materials on-site, and sometimes equipment. Coverage ends when the project is complete.

How does workers comp work for construction companies in Oregon?

Oregon requires workers compensation for all construction employees. Construction is one of the highest-risk industries for workers' comp claims due to falls, equipment injuries, and tool accidents. Your premium is based on your payroll and your experience modification factor. Insure Pacific can help you manage your EMod and find competitive rates.

Do I need to require subcontractors to have their own insurance?

Yes. General contractors should require all subcontractors to carry their own general liability and workers compensation insurance and provide certificates of insurance before starting work. Without this, your policy may be responsible for subcontractor injuries and damages.

What is completed operations coverage for Oregon contractors?

Completed operations coverage protects you from claims that arise after a project is finished — for example, if a building you constructed develops a defect that causes injury or property damage years later. This coverage is typically included in commercial general liability policies and is essential for all Oregon contractors.

Construction Company Insurance in Oregon

Builder's Risk, GL & Workers Comp for Oregon Construction Companies

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Comprehensive Insurance for Oregon's Construction Industry

Oregon's construction industry is booming, particularly in Central Oregon where Bend's rapid growth has created strong demand for residential and commercial construction. Construction companies face some of the highest insurance risks of any industry — and need comprehensive coverage to protect their business, employees, and projects.

Insure Pacific has been serving Oregon construction companies since 1935 and has deep relationships with carriers who specialize in construction insurance. From builder's risk policies for individual projects to comprehensive commercial packages for large contractors, we find coverage solutions that fit your operation.

We understand the unique challenges of Oregon's construction market — including the difficulty of insuring projects in wildfire-prone areas, the complexity of subcontractor coverage requirements, and the importance of maintaining proper certificates of insurance for every project.

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Coverage Highlights

Builder's risk for projects under construction
General liability for completed operations
Workers compensation for construction crews
Commercial auto for fleet vehicles
Equipment and tools coverage
Umbrella/excess liability for large projects

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Get Construction Company Insurance in Oregon

Insure Pacific's commercial specialists work with Oregon construction companies of all sizes. Get a comprehensive insurance package for your construction business today.

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Frequently Asked Questions

Also see: Contractor Insurance Oregon · Workers Comp Oregon · Commercial Insurance Oregon

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Bend, OR 97703

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