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State files updated Oct 27, 2026
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Oregon contractor license bondInsurance and workers' comp

Residential General $25,000.1 Residential General $500,000/occ.1

Bond and insurance by trade in Oregon

TradeBondInsuranceWorkers' comp
General contractor, electrical, plumbing and HVACResidential General $25,000.1Residential General $500,000/occ.1Required if the business has employees (commercial contractors must carry).1
RoofingResidential Specialty $20,000 (Commercial Specialty L1 $55,000 / L2 $25,000).1Residential Specialty $300,000/occ (Commercial Specialty L1 $1M agg / L2 $500,000/occ).1Required if the business has employees (commercial contractors must carry).1

How much is the contractor bond in Oregon?

Residential General $25,000; Specialty $20,000; Limited $15,000; Developer $25,000; Home Services/Locksmith/Home Inspector/HPS/Restoration $15,000. Commercial General L1 $80,000, L2 $25,000; Specialty L1 $55,000, L2 $25,000; Developer $25,000.1

What general liability insurance does Oregon require?

Residential General $500,000/occ; Specialty $300,000/occ; Limited and others $100,000/occ; Developer $500,000. Commercial General L1 $2M aggregate, L2 $1M agg; Specialty L1 $1M agg, L2 $500,000/occ. Must include products/completed ops; CCB certificate holder.1

Can an Oregon contractor be exempt from workers' comp?

Required if the business has employees (commercial contractors must carry). No-employee and family-only entities generally exempt; leased-worker businesses report the leasing company.1

52.1% of active Oregon licenses with a recorded status (23,187 of 44,531) carry an exemption instead of a policy2.

What do Oregon contractors carry, by trade?

Active licenses in the state file, 2026-10-272.

TradeActiveWC exemptMedian bond
General Contractors34,19052.8%$25,000

What is a certificate of insurance?

It's the one-page summary (usually an ACORD 25 form) a contractor's agent issues to show the policies, limits and dates in force. How to read and check one

Sources

  1. Oregon Construction Contractors Board (CCB): bond (oregon.gov, 2026-10-27)
  2. OR CCB via data.oregon.gov (g77e-6bhs) (data.oregon.gov, 2026-10-27)
  3. Oregon Building Codes Division (electrical, plumbing, mechanical): electrical bond (apps.oregon.gov)
  4. Oregon Building Codes Division (electrical, plumbing, mechanical): plumbing bond (apps.oregon.gov)
  5. Oregon Building Codes Division (electrical, plumbing, mechanical): HVAC bond (apps.oregon.gov)