Oregoncontractor insurance & bonding requirements
Updated April 2026 · Source: Oregon Construction Contractors Board ORS 701
Minimum requirements
- General liability
- $500,000
- Surety bond
- $20,000
- Workers' comp
- Required for crews
Licensed general contractors in Oregoncarry commercial insurance so that if a crew member gets injured on-site, a homeowner's appliance is damaged during demo, or a neighboring property suffers an impact from construction, the contractor's policy (not the homeowner's) pays the claim. AskBaily does not match homeowners to contractors below these minimums.
Residential General Contractor: $20K bond, $500K GL. Commercial tier raises bond to $75K.
Common questions
What insurance does a Oregon general contractor need?
A Oregon general contractor needs at minimum $500,000 general liability coverage. Workers' compensation insurance is required for crews. Per Oregon Construction Contractors Board ORS 701.
How much is the surety bond for Oregon contractors?
Oregon requires a minimum $20,000 surety bond at the license level. Some project-size tiers or local authorities require additional project-specific bonds. See Oregon Construction Contractors Board ORS 701 for the current schedule.
Who is the licensing authority in Oregon?
Oregon Construction Contractors Board ORS 701 is the authority for Oregon contractor oversight. Public license lookup is available at https://www.oregon.gov/ccb/.
How does AskBaily verify contractors in Oregon?
AskBaily runs automated verification against Oregon Construction Contractors Board ORS 701 before a contractor is matched to a homeowner project. The pro's license number is validated live at signup.
What happens if a contractor doesn't carry the required insurance?
Underinsured contractors are removed from the AskBaily match pool immediately. A homeowner who hires an unlicensed or underinsured contractor in Oregon can lose the right to mechanic's lien protection, may be held liable for on-site injuries, and forfeits protection under Oregon Construction Contractors Board ORS 701. That's why AskBaily's policy is to match only verified pros.
Nearby jurisdictions
AskBaily cities in Oregon
Homeowners in these cities can chat with Baily today; matched pros must meet the requirements above.
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