How do I verify an Oregon sub's workers' compensation coverage?

Oregon WC can be placed with SAIF (state fund) or a private insurer. The COI will show the carrier. You can also verify WC compliance through the Oregon CCB license lookup — active CCB licensure requires current WC coverage. Cross-check at iWD.oregon.gov for WC certificate of coverage.

TrackMyVendor › Resources › OR Subcontractor Insurance Requirements for GCs

Compliance Guide · Oregon

Oregon Subcontractor Insurance Requirements: What GCs Must Require from Subs

Q: What is the minimum general liability insurance for a subcontractor in Oregon?

Oregon CCB contractor licensing requires a minimum of $500,000 in general liability coverage for most contractor categories. However, GCs typically require $1M per occurrence / $2M aggregate as a contractual standard for commercial work.

Q: Does Oregon require a contractor bond?

Yes. Oregon CCB licensing requires a contractor bond. Bond amounts vary by contractor type — residential general contractors need a $20,000 bond; commercial contractors need a $75,000 bond. Verify bond status through the CCB license lookup.

Coverage requirements for subcontractors on Oregon job sites — including Oregon's mandatory WC rules, bond requirements, and what to look for on a COI.

7 min read Updated March 2026 Written for general contractors

In this guide

Standard insurance requirements for Oregon subs
Workers' compensation in Oregon
Contractor bond requirements
Additional insured and waiver of subrogation
Adjusting minimums by project type
How to collect and track certificates of insurance
FAQ

Standard Insurance Requirements for Oregon Subcontractors

Oregon's Construction Contractors Board (CCB) sets minimum insurance levels as part of licensing requirements. Those minimums — $500K for general liability — are a floor, not a target. Most GCs set higher contractual requirements for commercial work.

Coverage type	CCB minimum	Typical GC requirement
Commercial General Liability (CGL)	$500K per occurrence	$1M per occurrence / $2M aggregate
Workers' Compensation	Required (statutory)	Statutory limits; verify through COI or CCB lookup
Contractor Bond	$20K (residential) / $75K (commercial)	Verify current via CCB license lookup
Commercial Auto Liability	No CCB minimum	$1M combined single limit
Umbrella / Excess Liability	No CCB minimum	$1M–$5M (project dependent)

Workers' Compensation in Oregon

Oregon requires workers' compensation for all employers with one or more employees. Unlike Texas, there is no opt-out. WC can be placed through the State Accident Insurance Fund (SAIF) or a private carrier licensed in Oregon.

What appears on the COI

Unlike Washington's state-only system, Oregon subs may use SAIF or private WC carriers, so a standard COI will often show a WC carrier. If the carrier is SAIF, that's normal. If no WC appears on the COI, ask why — it could indicate the sub has no employees (sole proprietor) or a lapsed policy.

Sole proprietors with no employees may be exempt. If a sub is a sole proprietor with no employees, they may not be required to carry WC. If they bring any workers on your site, coverage is required. Get written confirmation of their employment status before allowing anyone beyond the owner on your job.

Contractor Bond Requirements

Oregon requires all CCB-licensed contractors to maintain a surety bond. Bond amounts vary by contractor category:

Residential general contractor: $20,000 bond
Commercial contractor: $75,000 bond
Specialty contractors (residential and commercial): $10,000–$75,000 depending on category

The bond is confirmed as part of active CCB licensure — verify through the CCB lookup rather than asking for a separate bond certificate.

Additional Insured and Waiver of Subrogation

Require both provisions in your subcontracts and verify they appear on the COI:

Additional insured endorsement

Require that your company be listed as an additional insured on the sub's CGL and commercial auto policies on a primary and non-contributory basis.

Waiver of subrogation

Require a waiver of subrogation on the sub's CGL and WC policies in your favor. On the WC side, this prevents the insurer from pursuing you after settling a claim with an injured worker.

Adjusting Minimums by Project Type

Project type	Suggested CGL minimum	Suggested umbrella
Residential remodel / small commercial	$1M / $2M	Not always required
Mid-size commercial ($1M–$10M project value)	$1M / $2M	$1M–$2M
Large commercial / industrial ($10M+)	$2M / $4M	$5M+
High-hazard trades (demo, roofing, structural)	$2M / $4M	$5M+

Collecting and Tracking Certificates of Insurance

Collect a COI before work begins — verify GL, WC, auto, and additional insured endorsement
Verify the sub's CCB license is Active at search.ccb.state.or.us — this confirms bond and license status simultaneously
Track COI expiration dates and set reminders 30+ days ahead
Re-verify CCB license at the start of each new project

CCB lookup covers more than just the license. Active CCB status confirms the contractor's bond is current and WC is in place. It's one of the more comprehensive single-source checks available for any state.

Automate COI collection and tracking. TrackMyVendor reads uploaded certificates automatically — extracting policy types, limits, expiration dates, and endorsements without manual data entry. See how COI tracking software works →

FAQ

Is workers' compensation required for subcontractors in Oregon?

Yes. Oregon requires workers' compensation for all employers with one or more employees. There is no opt-out. WC can be placed through SAIF (state fund) or a private insurer.

What is the minimum general liability insurance for a subcontractor in Oregon?

Oregon CCB requires $500K per occurrence for most categories. GCs typically set contractual minimums of $1M / $2M for commercial work.

Does Oregon require a contractor bond?

Yes. CCB licensing requires a surety bond — $20,000 for residential GCs, $75,000 for commercial contractors. Verify bond status through the CCB license lookup.

How do I verify an Oregon sub's workers' comp coverage?

WC can be through SAIF or a private carrier — it should appear on the COI. You can also verify through the CCB license lookup, which confirms active WC coverage as part of licensure.