Contractors Insurance

Business Insurance

Coverage that keeps Oregon contractors working.

General liability, tools and equipment, commercial auto and the bond the CCB requires. Plus certificates turned around the same day, because the general contractor is not going to wait.

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The Basics

Your paperwork has to keep up with your schedule.

Contractors lose more money to administrative friction than to claims. A certificate that takes three days, a missing additional insured endorsement, an expired bond, and suddenly you are off the job site.

We handle liability, equipment, auto and bonding under one roof, so the certificate, the endorsement and the bond all come from the same place.

Same-day certificates with additional insured wording
Oregon CCB bonds written alongside your liability
Tools and equipment coverage that travels to the job
Subcontractor certificate tracking before audit

Trades We Write

• General contractors and remodelers
• Electrical, plumbing and HVAC
• Roofing, siding and framing
• Excavation and site work
• Landscaping and concrete

What’s Included

What a contractor’s program covers

General Liability

Third-party injury and property damage arising from your work.

Tools & Equipment

Inland marine coverage for tools on the truck, at the shop, or on site.

CCB Bonds

The surety bond Oregon requires to hold a Construction Contractors Board license.

Commercial Auto

Work trucks and trailers, including hired and non-owned auto exposure.

Installation Floater

Materials in transit and installed but not yet accepted by the owner.

Workers’ Compensation

Required for employees, and the coverage GCs check before you set foot on site.

Common Questions

Contractors Insurance FAQs

What does the Oregon CCB require?

Licensed contractors must carry a surety bond and liability insurance, with amounts that vary by license endorsement and business size. Requirements change, so confirm current figures with the CCB and we will write to match.

How fast can I get a certificate?

Usually same day. Send the requesting party’s exact wording, since additional insured and waiver of subrogation language has to match what the contract asks for.

Are my tools covered if they’re stolen from the truck?

Only with tools and equipment coverage. A general liability policy covers damage you cause to others, not loss of your own property. Overnight theft from a vehicle is one of the most common contractor claims.

Do I need coverage if I only use subs?

Yes. You carry liability for the work performed under your license, and uninsured subcontractors get charged to your policy at audit. Collect their certificates before the job, not after.

Let’s get your certificates moving faster.

Liability, tools, auto and CCB bonding from one Silverton office.

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