Business Insurance in Oregon

Choose The Hartford for Your Oregon Business Insurance Needs

Over 368,000 small businesses make up nearly all of the companies in Oregon. These small businesses employ over half of the workforce in the Beaver State.¹It’s crucial for these companies to have the appropriate types of business insurance in Oregon. From Portland and Eugene to Bend and Tigard, our insurance coverage can help all kinds of small businesses throughout the state.

Types of Oregon Business Insurance Offered

Many Oregon businesses have a Business Owner’s Policy (BOP). It combines three essential coverages into one:

General liability insurance
Commercial property insurance
Business income insurance

A BOP can help if your Oregon business has:

The potential to get sued by customers or clients for bodily injury or property damage
A physical location
Physical or digital property that can get damaged or stolen

General Liability Insurance in Oregon

General liability insurance helps protect your business if someone claims it caused them bodily injury or property damage. It’s a coverage that many small businesses need because claims can come up during normal business operations. General liability insurance in Oregon can also help cover claims of advertising injury, like libel or slander.

Commercial Auto Insurance in Oregon

Commercial auto insurance helps protect you and your employees on Oregon roads if you’re driving for business. Commercial auto insurance in Oregon can help your business with cases of:

Bodily injury, like if you accidentally hit a pedestrian and they need medical attention.
Property damage, such as damages to another person’s car.
Collision if your employee totals your company vehicle while making a delivery.

You’ll want to get commercial car insurance in Oregon if you:

Own, lease or rent trucks and cars for your business
Have employees who drive their own vehicles for business purposes
Allow your team to drive company vehicles for work

Oregon Business Income Insurance

Business income insurance helps replace your lost income if you can’t open because of covered property damage, including:

Fire
Wind
Theft

This is an essential coverage because it can help your Oregon business continue to pay for expenses while it’s closed, such as bills and payroll.

Oregon Professional Liability Insurance

Professional liability insurance helps protect your Oregon business if someone sues you for making a mistake in the professional services you’ve provided. This coverage is also known as errors and omissions insurance. Many types of Oregon businesses have this coverage, including consultants, accountants and technology professionals.

Oregon Liability Insurance Requirements

Business insurance laws vary by state. Oregon requires most employers to carry workers’ compensation insurance. Businesses in the state with one or more workers must buy an Oregon workers’ compensation policy. This insurance gives employees benefits to help them recover from a work-related injury or illness.

Industries Covered by Business Insurance in Oregon

Our insurance coverages can help many kinds of businesses in Oregon. Some industries we help protect include:

Get Insurance Quotes in Oregon

When it comes to protecting your Oregon small business, it’s important to work with an insurance company you can trust. We’re backed by more than 200 years of experience and have helped more than 1 million small business owners.

We know every business is unique, and we pride ourselves on helping each one get the types of insurance they need. Get an Oregon business insurance quote online or contact one of your local insurance agents to learn how we can help protect your small business.

Additional Oregon Business Insurance Links

¹ Small Business Administration, “2018 Small Business Profile: Oregon”