Contractor Insurance in Eugene, Oregon
A plain-English guide to contractor insurance in Eugene and Springfield: CCB minimums, what GCs ask for, workers’ comp and bonds. Call (971) 430-4717.
INSURANCE TIPS
10/20/20264 min read
Whether you’re remodeling kitchens in South Eugene, roofing in Springfield or framing new homes out toward Junction City, your insurance does two jobs. It keeps your Oregon CCB license active, and it gets you onto job sites where the general contractor wants proof of coverage before you unload a tool. Here’s what Lane County contractors need for both.
Step 1: Meet your CCB minimums
Oregon doesn’t license trades separately. Every contractor, from roofers to excavators, gets licensed through the Construction Contractors Board (CCB), and your liability insurance and bond minimums depend on your endorsement:
Residential Limited: $100,000 liability, $15,000 bond
Residential Specialty: $300,000 per occurrence liability, $20,000 bond
Residential General: $500,000 liability, $25,000 bond
Commercial Specialty Level 2: $500,000 liability, $25,000 bond
Commercial Specialty Level 1: $1,000,000 aggregate liability, $55,000 bond
If your bond or insurance lapses, your license goes on hold. That’s why we file both with the CCB for you and track your renewal dates.
Step 2: Meet what general contractors ask for
The CCB minimum keeps you legal. It rarely wins you the job. Most Eugene-area general contractors and property managers ask subs for:
$1M per occurrence / $2M aggregate general liability
Additional insured status for the GC (and often the owner)
A waiver of subrogation and primary/non-contributory wording
Proof of workers’ comp if you have employees
We quote both your license minimum and the contract-ready limits so you can compare the cost of each.
Step 3: Workers’ comp once you hire
Oregon requires workers’ comp once you have employees. You can buy it from SAIF, the state-chartered insurer, or from a private carrier. Neither is automatically cheaper: your price depends on class codes, payroll, experience mod and claims history. We quote SAIF and private carriers side by side so you can choose.
Step 4: The coverage that protects your trucks and tools
Commercial auto. Your personal policy may not cover an accident while you’re driving for work, including that daily run on I-5 or Beltline.
Tools and equipment (inland marine). Covers theft of your generator, compressor and hand tools from the job site or your truck.
Builders risk. Protects the structure and materials while a project is under construction. Most lenders require it for new builds and remodels.
Hard-to-place trades
Roofing, excavation, tree service and demolition are hard to place with standard carriers. We work with carriers that want these trades and read the exclusions before you sign.
Get covered in Eugene
Hard Hat Insurance is the marketing division of Bearstar Insurance Services, licensed in Oregon. Get a free quote or call our Oregon line at (971) 430-4717. Se habla español.
Related: Oregon contractor insurance and CCB bonds · Oregon roofing contractor insurance · High-risk workers’ comp
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Hard Hat Insurance is a specialized marketing division of Bearstar Insurance Services.
Insurance services provided by Bearstar Insurance Services.
Jesus Galvan is a licensed insurance broker in CA, ID, NV, OR, TX and WA, serving contractors in AZ, CO and across the western U.S. California License #4291921.
Other license numbers available upon request. Coverage availability varies by state.
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