Oregon Roofing Contractor Insurance
General liability, workers' comp and CCB bonds for Oregon roofers, from a licensed broker who knows how roofing gets underwritten. Same-day certificates of insurance. Call our Oregon line: (971) 430-4717.
What Insurance Does an Oregon Roofer Need to Keep a CCB License?
Oregon has no separate roofing license. Roofers are licensed by the Construction Contractors Board (CCB), and your minimums depend on your endorsement: Residential Specialty needs $300,000 per occurrence in liability and a $20,000 bond; Residential General $500,000 and a $25,000 bond; Residential Limited $100,000 and a $15,000 bond; Commercial Specialty Level 2 $500,000 and a $25,000 bond; Commercial Specialty Level 1 $1,000,000 aggregate and a $55,000 bond. Most general contractors still require $1M per occurrence / $2M aggregate, and a lapse in your bond or insurance puts your license on hold.
Roofing is one of the hardest trades to insure. Many standard carriers won't write it, and many roofing policies come with height limits, torch-down exclusions or new-construction exclusions that a contractor doesn't find until a claim is denied. The Hard Hat Insurance team, the construction division of Bearstar Insurance Services, places Oregon roofers with carriers that want roofing business, files your insurance and bond with the CCB, and reads the exclusions before you sign. Whether you install shingles in Salem, do commercial membrane roofing in Portland, or repair storm damage in Bend, we match your coverage to your endorsement and to your GC's certificate requirements.
Commercial General Liability
Roofing General Liability
General liability pays when your work damages property or injures someone who isn't your employee. For roofers, the most common claims are interior water damage while a roof is open, falling materials, and leaks that show up after the job is finished. That's why completed operations coverage matters as much as coverage during the job.
Limits matched to your CCB endorsement.
Additional insured, waiver of subrogation and primary/non-contributory wording when your GC requires it.
Surety Bonds
Oregon CCB License Bond
Every Oregon contractor must keep a surety bond on file with the CCB, and the amount depends on your endorsement. We can often issue CCB bonds the same day, with a quick quote and no long application.
Bad credit programs available.
Bonds for residential and commercial endorsements.
Oregon roofers are rated under class code 5551, one of the most expensive classifications in the state, so getting the classification right is the biggest lever on your premium. Office staff (8810) and outside sales or estimators (8742) should be reported separately. We compare SAIF with private carriers that write roofing, and exempt sole proprietors can still buy coverage when a GC requires it. Oregon's average pure premium rises about 2.1% in 2027, so it's a good year to review your codes and experience mod.
Pay-as-you-go options available (helps cash flow).
Waivers of subrogation for commercial contracts.
Workers' Compensation
What We Cover
Commercial Auto
Work Truck & Fleet
Your personal auto policy may not cover an accident in a truck used for work, especially one hauling a trailer, ladders or a load of shingles. Commercial auto covers your work trucks, trailers and the drivers you hire, with higher limits when a contract calls for them.
Builders Risk
Builders Risk (Course of Construction)
Protect your project from fire, wind, water damage and theft of materials, all common on Oregon job sites. We cover the structure from the ground up until the job is signed off.
Covers materials on-site and in transit.
Required by most lenders for new construction and remodels.
Inland Marine (Tools & Equipment): Covers theft of your generator, compressor, and hand tools from the job site or your truck.
Professional Liability: For design-build contractors and construction managers.
Excess Liability (Umbrella): When the standard $1M limit isn't enough for a big commercial contract.
And More
Local Service Area
Serving all of Oregon. We insure roofing contractors statewide.
Portland & the Valley: Portland, Salem, Eugene.
Central & Southern: Bend, Medford, Grants Pass.
Oregon line: (971) 430-4717
Jesus Galvan, licensed insurance broker, Oregon license #20617222. Se habla español.
Need a COI Today?
Most GCs and property managers ask roofing subs for $1M/$2M GL with completed operations, additional insured, waiver of subrogation, primary/non-contributory wording and proof of workers' comp. Send us your GC's requirements and we'll confirm your policy meets them before you sign.
5 Roofing Exclusions That Can Leave You Uninsured
1. Height limitation
Excludes work above a set height, often two or three stories. A problem if you take on apartments or commercial buildings.
2. Hot work / torch-down exclusion
Excludes torch-applied membranes and hot asphalt. If you do flat or low-slope roofs, you need this covered.
3. New construction or tract housing exclusion
Excludes work on new homes or developments, which can remove a large share of a roofer's income.
4. Subcontractor and action-over exclusions
Some policies require every sub to carry their own insurance naming you as additional insured, or a claim on that job may be denied. Others exclude claims where an injured worker sues the GC, who passes the claim to you. Many GCs require that exclusion removed.
5. Interior water damage limits
Caps or excludes water damage to a building's interior while the roof is open. In Oregon's rain, that's one of the most common roofing claims. We review these provisions before you sign and tell you plainly what's covered and what it would cost to fix.
Oregon Roofing Insurance FAQ
Do I need a special license to be a roofer in Oregon?
No. Oregon has no separate roofing license. You need a CCB license with the right endorsement, plus the bond and liability insurance that endorsement requires.
How much liability insurance does the CCB require for roofers?
It depends on your endorsement: $300,000 per occurrence for Residential Specialty, $500,000 for Residential General, and up to $1,000,000 aggregate for Commercial Specialty Level 1. Most GCs require $1M / $2M regardless.
Do I need workers' comp if I work alone?
A sole proprietor or LLC member with no employees can be exempt in Oregon. As soon as you pay anyone for labor, including family, you need workers' comp. Many GCs require it even from solo roofers.
Can I get insurance if I've had claims or I'm a new business?
Usually, yes. We work with specialty carriers that write new roofing companies and roofers with prior claims, though pricing and terms vary.
Does my GL policy cover a roof that leaks after the job?
Only if your policy includes completed operations coverage and the damage isn't excluded. The repair of your own faulty work is usually not covered, but resulting damage to the building's interior often is.
Contact
Call
info@hardhatinsurance.net
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, NV, TX, AZ, OR, CO, and WA.
License numbers available upon request. Coverage availability varies by state.
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