The Hartford takes the top spot for the best general liability insurance in Oregon, delivering an outstanding balance of affordable rates and reliable service. NEXT and Nationwide round out our top picks, both excelling at meeting the specific needs of small business owners throughout the state.
General Liability Insurance in Oregon
The Hartford is top ranking for general liability insurance in Oregon, scoring 4.62 out of 5.
Explore low-cost general liability insurance in Oregon below.
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Updated: October 13, 2025
Advertising & Editorial Disclosure
Key Takeaways
The Hartford, NEXT and Nationwide are the leading general liability insurance providers across Oregon, offering comprehensive coverage options for businesses.
Your ideal general liability insurance provider in Oregon will vary based on your business type, required coverage levels and available budget.
Business owners should compare business insurance quotes, verify financial stability ratings and check customer feedback before selecting their general liability coverage provider.
Best General Liability Insurance Companies in Oregon
| The Hartford | 4.62 | $76 |
| NEXT | 4.55 | $96 |
| Nationwide | 4.52 | $90 |
| Simply Business | 4.48 | $89 |
| Coverdash | 4.37 | $96 |
| Thimble | 4.35 | $100 |
| biBerk | 4.29 | $106 |
| Progressive Commercial | 4.27 | $93 |
| Chubb | 4.26 | $110 |
| Hiscox | 4.18 | $106 |
How Did We Determine These Rates?
These rates are estimates based on MoneyGeek's analysis of small businesses with two employees across 79 major industries. Actual rates vary based on your specific business location, industry risk factors, claims history, coverage limits and individual insurer underwriting criteria. Contact insurers directly for personalized quotes.
LEARN MORE ABOUT BUSINESS INSURANCE
General liability coverage alone won't fully protect your Oregon business. Explore these additional insurance options to build comprehensive protection:
Best Oregon Small Business Insurance Reviews
We evaluated Oregon's leading providers to help small business owners who need general liability insurance find the right fit by identifying what makes each company a strong choice for reliable coverage.
The Hartford
Best Overall Provider
MoneyGeek Rating
4.6/ 5
4.6/5Affordability
4.6/5Customer Experience
4.7/5Coverage Options
Average Monthly Premium
$76Our Survey: Claims Process
4.5/5Recommend to Others
4.5/5
NEXT
Runner-Up Best Provider
MoneyGeek Rating
4.5/ 5
4.3/5Affordability
4.7/5Customer Experience
4.8/5Coverage Options
Average Monthly Premium
$96Our Survey: Claims Process
3.9/5Recommend to Others
4.8/5
Cheapest General Liability Insurance Companies in Oregon
The Hartford offers the cheapest general liability insurance in Oregon at $76 per month ($910 annually). Simply Business and Nationwide also provide competitive rates.
| The Hartford | $76 | $910 |
| Simply Business | $89 | $1,067 |
| Nationwide | $90 | $1,080 |
| Progressive Commercial | $93 | $1,114 |
| NEXT | $96 | $1,148 |
| Coverdash | $96 | $1,152 |
| Thimble | $100 | $1,196 |
| Hiscox | $106 | $1,273 |
| biBerk | $106 | $1,274 |
| Chubb | $110 | $1,324 |
How Did We Determine These Rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Your actual premium depends on where your business is located, what industry you're in, how much coverage you choose, and other factors insurers consider. Available options differ by state.
Average Cost of General Liability Insurance in Oregon
General liability insurance in Oregon averages $96 monthly or $1,146 annually, running slightly below national rates. Your actual premium depends on your industry, business size and claims history. Construction companies pay higher premiums due to increased risk exposure, while consulting firms pay less.
Average Cost of General Liability Insurance by Industry
The cost of general liability insurance vary by industry in Oregon. Pressure washing businesses pay the highest monthly premiums at $854, while drone companies pay just $16 per month for coverage. The table below shows how rates differ across various business types.
| Accountants | $21 | $247 |
| Ad Agency | $33 | $396 |
| Automotive | $50 | $597 |
| Auto Repair | $142 | $1,702 |
| Bakery | $84 | $1,012 |
| Barber | $41 | $496 |
| Beauty Salon | $62 | $748 |
| Bounce House | $66 | $787 |
| Candle | $51 | $615 |
| Cannabis | $63 | $750 |
| Catering | $82 | $982 |
| Cleaning | $124 | $1,484 |
| Coffee Shop | $84 | $1,005 |
| Computer Programming | $27 | $325 |
| Computer Repair | $44 | $533 |
| Construction | $164 | $1,964 |
| Consulting | $20 | $246 |
| Contractor | $238 | $2,854 |
| Courier | $182 | $2,189 |
| Daycare | $31 | $368 |
| Dental | $20 | $241 |
| DJ | $24 | $284 |
| Dog Grooming | $59 | $711 |
| Drone | $16 | $187 |
| Ecommerce | $68 | $819 |
| Electrical | $105 | $1,259 |
| Engineering | $37 | $446 |
| Excavation | $435 | $5,215 |
| Florist | $40 | $480 |
| Food | $100 | $1,206 |
| Food Truck | $132 | $1,587 |
| Funeral Home | $56 | $676 |
| Gardening | $105 | $1,259 |
| Handyman | $228 | $2,734 |
| Home-based | $22 | $266 |
| Home-based | $43 | $512 |
| Hospitality | $61 | $730 |
| HVAC | $229 | $2,747 |
| Janitorial | $128 | $1,536 |
| Jewelry | $38 | $451 |
| Junk Removal | $152 | $1,819 |
| Lawn/Landscaping | $112 | $1,347 |
| Lawyers | $21 | $255 |
| Manufacturing | $60 | $717 |
| Marine | $26 | $314 |
| Massage | $89 | $1,073 |
| Mortgage Broker | $21 | $256 |
| Moving | $116 | $1,389 |
| Nonprofit | $33 | $402 |
| Painting | $134 | $1,611 |
| Party Rental | $74 | $890 |
| Personal Training | $22 | $267 |
| Pest Control | $30 | $361 |
| Pet | $52 | $628 |
| Pharmacy | $58 | $692 |
| Photography | $23 | $270 |
| Physical Therapy | $103 | $1,236 |
| Plumbing | $337 | $4,049 |
| Pressure Washing | $854 | $10,252 |
| Real Estate | $50 | $596 |
| Restaurant | $135 | $1,624 |
| Retail | $61 | $732 |
| Roofing | $362 | $4,346 |
| Security | $130 | $1,558 |
| Snack Bars | $110 | $1,315 |
| Software | $25 | $295 |
| Spa/Wellness | $100 | $1,195 |
| Speech Therapist | $29 | $350 |
| Startup | $27 | $320 |
| Tech/IT | $25 | $296 |
| Transportation | $35 | $421 |
| Travel | $19 | $234 |
| Tree Service | $121 | $1,454 |
| Trucking | $96 | $1,149 |
| Tutoring | $28 | $339 |
| Veterinary | $42 | $502 |
| Wedding Planning | $26 | $310 |
| Welding | $154 | $1,847 |
| Wholesale | $42 | $500 |
| Window Cleaning | $149 | $1,784 |
How Did We Determine These Rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Your actual premium depends on where your business is located, what industry you're in, how much coverage you choose, and other factors insurers consider. Available options differ by state.
How Much General Liability Insurance Do I Need in Oregon?
Oregon doesn't require most businesses to carry general liability insurance at the state level. Operating without coverage won't trigger statewide penalties for most companies.
Municipalities may have their own requirements, and some trades must maintain specific coverage to keep their professional licenses active:
Electricians
Oregon requires licensed electricians to have minimum limits of $300,000 per occurrence and $600,000 annual aggregate. Completed operations coverage must be included as part of the general liability policy.
Electrical Sign Contractors
Electrical sign contractors in Oregon must carry the same coverage as electricians, with $300,000 per occurrence and $600,000 annual aggregate limits. Completed operations coverage is also required.
HVAC Contractors
Oregon HVAC residential contractors need $100,000 per occurrence and $300,000 annual aggregate, while commercial contractors must maintain $300,000 per occurrence and $600,000 annual aggregate coverage.
Fire Safety Companies
Fire safety companies operating in Oregon must maintain general liability insurance with minimum limits of $500,000 per occurrence and $1,000,000 annual aggregate.
Business insurance in Oregon should include general liability coverage, regardless of legal requirements. Most commercial property owners demand proof of coverage before approving lease agreements. Large corporations and government contracts ask for valid insurance certificates from all contractors.
How to Choose the Best General Liability Insurance in Oregon
Choosing general liability insurance in Oregon starts with identifying your business's specific protection needs and finding affordable coverage that fits your budget. These steps help you get business insurance that meet your needs
- 1
Determine required coverage amounts
Research your industry's licensing requirements in Oregon first. Many clients demand higher limits like $1 million even when state minimums are lower for contract work.
- 2
Prepare business information
Collect details about your annual revenue, employee count, business type and location. Insurers use this information to calculate premiums.
- 3
Collect multiple insurance quotes
Request quotes from at least three insurers since small business liability insurance cost differs between them.
- 4
Examine policy terms carefully
Focus on exclusions and coverage details rather than cheap small business insurance premiums.
- 5
Verify insurer and agent credentials
Use the state insurance department website to confirm licenses and check complaint records. Review AM Best financial ratings to assess the company's stability.
- 6
Inquire about available discounts
Ask about savings opportunities like safety program participation, bundling business insurance coverage types or maintaining a clean claims history.
- 7
Obtain certificate of insurance
Ask for your certificate of insurance once you purchase coverage, as clients and landlords often require this proof.
How to Prevent General Liability Claims in Oregon
Nobody wants to deal with commercial insurance claims, but Oregon business owners can avoid most of these headaches through smart preparation and proper planning.
Watch out for property hazards
Oregon's frequent rain and winter ice create serious slip risks that businesses must address year-round. Install proper drainage systems, use non-slip mats during wet months, and inspect walkways weekly for damage or debris. Adequate lighting in parking areas and entrances prevents accidents during the state's long winter evenings.
Train your people well
Proper safety training reduces workplace accidents and protects both employees and customers from harm.
Keep good records
Detailed documentation protects your business when disputes arise and helps demonstrate your commitment to safety.
Get everything in writing
Written agreements eliminate confusion about responsibilities and protect against misunderstandings that lead to claims.
Fix problems fast
Quick response to incidents and complaints often prevents minor issues from becoming major claims.
General Liability Insurance in Oregon: Bottom Line
Securing quality general liability insurance in Oregon begins with assessing your business requirements and researching reliable providers. The Hartford, NEXT, and Nationwide emerge as top performers in the state, though your ideal match depends on industry type, company size, and available budget. Smart buyers obtain quotes from multiple insurers and verify each provider's licensing status. This approach ensures you find coverage that protects your business without overpaying for unnecessary features.
Commercial General Liability Insurance in Oregon: FAQ
Our research and analysis helped us answer the most common general liability insurance questions that Oregon business owners ask when shopping for coverage.
What does general liability insurance cover for Oregon businesses?
General liability insurance for businesses covers customer injuries, property damage you cause to others and legal defense costs.
How much does general liability insurance cost in Oregon?
Small businesses in Oregon pay between $76 and $110 monthly for general liability insurance. The Hartford offers the most affordable coverage at $76 per month, with Simply Business and Nationwide providing competitive alternatives at $89 and $90 monthly.
Do Oregon businesses legally need general liability insurance?
Oregon does not legally mandate general liability insurance for most businesses. However, municipalities may impose their own requirements, and certain licensed professionals like contractors and electricians must maintain specific coverage levels.
Which company offers the best general liability insurance in Oregon?
The Hartford ranks as Oregon's top general liability insurance provider, excelling in financial stability and affordability with average monthly premiums around $76.
What coverage limits should Oregon businesses choose?
Oregon businesses should first verify industry licensing requirements that mandate specific coverage amounts. Small businesses commonly select $1 million per occurrence and $2 million aggregate limits.
How can Oregon businesses prevent general liability claims?
Businesses can reduce liability claims by promptly addressing property hazards and having comprehensive employee safety training.
Can Oregon businesses get discounts on general liability insurance?
Yes, Oregon businesses can find discounts by bundling general liability with property or other commercial policies.
How quickly can Oregon businesses get general liability coverage?
Oregon businesses can obtain general liability coverage rapidly through digital platforms.
What should Oregon businesses do when filing a general liability claim?
Oregon businesses should immediately notify their insurance company after any incident that could trigger a general liability claim.
How does general liability differ from professional liability coverage?
Comparing covered risks between professional liability insurance vs general liability tells you which one you need. General liability insurance protects businesses from physical incidents like customer injuries or accidental property damage during operations. Professional liability coverage addresses service-related errors, such as consulting mistakes that cause client financial losses.
How We Scored the Best General Liability Insurance Companies in Oregon
Oregon businesses encounter specific liability challenges, including weather-related incidents and workplace accidents across diverse industries. We analyzed general liability insurance providers to identify companies offering dependable coverage at reasonable rates for small business owners.
What We Evaluated
- Affordability (50%): Oregon small businesses operate with limited financial flexibility. We analyzed rates from multiple insurers because reasonable pricing determines whether businesses can maintain important protection.
- Customer experience (30%): Effective claims service protects business operations when incidents occur. We examined J.D. Power ratings, Oregon state complaint data, and independent agent feedback to assess how insurers treat customers during claims.
- Coverage options (15%): Business risks vary across sectors. We evaluated how insurers customize general liability policies for Oregon companies, from food service operations to construction firms.
- Financial strength (5%): Low premiums provide no value if insurers cannot honor claims. We checked AM Best ratings and financial documentation to confirm that companies maintain adequate reserves for claim payments.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
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- NEXT. "Customer Reviews | NEXT." Accessed October 17, 2025.
- Trustpilot. "Next Insurance Reviews." Accessed October 17, 2025.
- Trustpilot. "The Hartford Reviews." Accessed October 17, 2025.
- The Hartford. "When Is Liability Insurance Needed?." Accessed October 17, 2025.
- The Hartford. "What Does General Liability Insurance Cover?." Accessed October 17, 2025.