Oregon contractor bond and insurance requirements
Not legal advice. This page summarizes public information as of October 14, 2026. Rules and fees change, so confirm with the linked official source before you act.
Every CCB license needs a surety bond and general liability insurance. The minimums depend on your endorsement. Bond amounts went up $5,000 on January 1, 2024 (HB 2922).
Residential
| Endorsement | Bond | Liability insurance |
|---|---|---|
| Residential General Contractor | $25,000 | $500,000 per occurrence |
| Residential Specialty Contractor | $20,000 | $300,000 per occurrence |
| Residential Limited Contractor | $15,000 | $100,000 per occurrence |
| Residential Developer | $25,000 | $500,000 per occurrence |
| Home Services / Locksmith / Home Inspector / Home Performance Score | $15,000 | $100,000 per occurrence |
Commercial
| Endorsement | Bond | Liability insurance |
|---|---|---|
| Commercial General Contractor Level 1 | $80,000 | $2,000,000 aggregate |
| Commercial General Contractor Level 2 | $25,000 | $1,000,000 aggregate |
| Commercial Specialty Contractor Level 1 | $55,000 | $1,000,000 aggregate |
| Commercial Specialty Contractor Level 2 | $25,000 | $500,000 per occurrence |
| Commercial Developer | $25,000 | $500,000 per occurrence |
Details that trip people up
- The bond must be on a CCB bond form and reach the CCB within 60 days of being signed.
- The insurance certificate must list the Construction Contractors Board as certificate holder and include products and completed operations coverage.
- If you hold both residential and commercial endorsements, you need two bonds and one policy at the higher amount.
- Workers' comp is required if you have employees. Commercial contractors must carry it.
- Liability insurance does not pay for poor workmanship itself.
Tools 13-Week Cash Flow Forecast ($12)
Plan for bond and insurance renewals, slow months and payroll before they surprise you.
See it on Gumroad Our own product. We may earn from sales.Source: Oregon CCB (bonds, insurance, workers' comp sections), checked Oct 14, 2026.