Construction Insurance in Oregon

At Elliott, Powell, Baden and Baker we understand the unique risks and challenges faced by the construction industry in the Northwest. Our comprehensive insurance solutions are designed to protect your business, employees, and projects, giving you the peace of mind to focus on building and growing your business .

We have assembled a dedicated Construction Insurance team who work hard developing insurance coverage for our contractor clients. With nearly 100 years of combined experience, they know the unique exposures that contractors face and can develop an insurance program to suit each contractor’s individual needs. Elliott, Powell, Baden & Baker is currently a member of Southwest Washington Contractors Association, Home Builders Association, and Oregon Concrete & Aggregate Producers Association. 

Why Construction Companies in Oregon & SW Washington Need Specialized Insurance

• Regulatory Requirements: Compliance with stringent state regulations is non-negotiable. Our policies ensure you meet all legal requirements.
• Unpredictable Weather: The Northwest’s diverse climate can lead to unexpected weather-related damages. Be prepared with comprehensive coverage.
• High-Risk Work Environment: Construction sites are inherently risky. Protect your business from financial losses due to accidents and injuries.
• Complex Contract Insurance Requirements: Insurance requirements are frequently overlooked in construction contracts. Our construction team can review these requirements and ensure you have the appropriate coverage to comply with your contractual obligations.

Insurance Options For the Construction Industry

1. General Liability Insurance

• Protects against third-party claims for bodily injury, property damage, personal injury and advertising injury.
• Essential for paying indemnity and legal fees resulting from accidents on your construction site.

2. Workers’ Compensation Insurance

• Provides coverage for medical expenses, lost wages, and rehabilitation costs for employees injured in the course and scope of employment.
• Mandatory in Oregon, it ensures your employees are protected and your business complies with state regulations.

3. Commercial Auto Insurance

• Covers vehicles used in your construction business, including personal and commercial trucks and vans, as well as other commercial vehicles and equipment.
• Protects against accidents, theft, and damages, ensuring your fleet is always on the move.

4. Builders’ Risk Insurance

• Specialized coverage for buildings under construction.
• Protects against damage from fire, vandalism, and other perils during the construction phase.

5. Equipment and Tool Coverage

• Protects your valuable construction equipment and tools from theft, damage, and loss.
• Ensures your operations can continue smoothly without costly interruptions.

6. Professional Liability Insurance

• Covers claims of negligence, errors, or omissions in the design, planning, or management of construction projects.

7. Contractors Pollution Liability Insurance
   • Covers third-party bodily injury, property damage, legal defense, and cleanup costs due to sudden and gradual pollution conditions arising from a contractor’s work on a project.