Contractor Insurance in Portland, OR & Pacific Northwest

Our Independent Insurance Team at EPB&B Can Help

EPB&B Insurance has been protecting Pacific Northwest contractors for nearly a century. Our dedicated construction insurance team understands Oregon and Washington licensing requirements, CCB compliance, contract insurance obligations, and the specific coverage gaps that put contractors at financial risk. We don’t sell off-the-shelf policies. We build programs around your business.

Our Contractor Insurance team works diligently to develop comprehensive coverage for our construction clients across Portland, Vancouver and beyond. Our team understands the unique risks and challenges that contractors face, including stringent state licensing requirements, evolving environmental regulations, and specialized coverage needs for wildfire-prone areas. We tailor insurance programs to ensure that contractors. Whether in Portland, Eugene, Bend, or beyond we have the protection contractors need to operate confidently and securely.

Elliott, Powell, Baden & Baker is proud to be a member of the Oregon Home Builders Association, Oregon Remodelers Association, Southwest Washington Contractors Association, and the Association of General Contractors, reinforcing our commitment to supporting the local construction industry.

Why Construction Companies in Oregon & SW Washington Need Specialized Insurance

General business insurance wasn’t designed for the construction industry. Contractors carry a unique combination of exposures: active job sites, subcontractors, heavy equipment, weather-related project delays, and complex contract requirements. These risks require policies specifically structured for the trades. In Oregon, workers’ compensation is mandatory from your first hire. The CCB (Oregon Construction Contractors Board) requires general liability coverage before you can hold a license. In Washington, the Department of Labor & Industries has its own set of requirements for registered contractors. Miss any of these, and you risk losing your license, your contracts, or your business.

Beyond regulatory requirements, the Pacific Northwest adds its own layer of risk. Wet winters mean slip-and-fall exposure on job sites from October through April. Wildfire season increasingly threatens projects and equipment in Central Oregon, Eastern Washington, and rural areas across the region. Our team knows this landscape because we work in it.

Our Construction Insurance Solutions

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.
8. Surety Bonds
   • Performance bonds, payment bonds, and license bonds are frequently required by clients, municipalities, and licensing boards across Oregon and Washington. EPB&B has deep expertise in contractor bonding — learn more about our Surety Bond services.

Who We Insure

Protecting your construction business starts with the right insurance coverage. We write contractor insurance programs for a wide range of construction trades and business sizes across the Pacific Northwest, including:

• General Contractors
• Residential & Commercial Builders
• Electrical Contractors
• Plumbing Contractors
• HVAC & Mechanical
• Roofing Contractors
• Painting & Drywall
• Landscaping & Hardscaping
• Excavation & Grading
• Concrete & Masonry
• Flooring Installers
• Remodelers & Renovators
• Specialty Trade Subcontractors
• Design-Build Firms

Whether you’re a sole proprietor just getting your CCB license or a multi-crew operation with 50 employees, we have markets and programs suited to your size. Contact us today to speak with one of our knowledgeable agents. We will assess your needs and tailor a policy that provides the coverage you need to safeguard your business.

Why Choose EPB&B for Contractor Insurance?

As an independent broker, we’re not locked into a single carrier. We have access to a wide network of insurance companies, ncluding specialty markets that focus on construction, which means we can find coverage for contractors that other agents struggle to place. New businesses, contractors with prior losses, specialty trades, and high-risk operations are all situations where our market access makes a real difference.

And when you have a question, a certificate request, or a claim, you’ll talk to a person who knows your account and lives locally.