Nationwide emerged as the top contender for Oregon’s best general liability insurance in MoneyGeek’s analysis, scoring 92 out of 100. However, NEXT, The Hartford, Hiscox and Thimble are also great options for best general liability insurance.
Best General Liability Insurance in Oregon
Updated: June 20, 2025
Advertising & Editorial Disclosure
Key Takeaways
Overall, the best general liability insurance company in Oregon is Nationwide, which has a great balance of affordable rates for LLCs and good customer service.
The cheapest general liability insurance for sole proprietors in Oregon is offered by Thimble at $24 per month. For LLCs, NEXT is the most affordable option at $29 a month.
General liability insurance costs in Oregon depend on your industry, and we found they can range from $32 to $2,802 per month on average.
Best Cheap General Liability Insurance in Oregon
| Nationwide | 92 | $42 | $45 |
| NEXT | 90 | $27 | $29 |
| The Hartford | 88 | $34 | $56 |
| Hiscox | 83 | $32 | $74 |
| Thimble | 80 | $24 | $68 |
*Rates were based on a $1,000,000 per occurrence and $2,000,000 aggregate limit for a software development company.
Nationwide: Best Overall
pros
Low rates for LLC businesses
Large coverage selection
Low customer claims frequency
cons
Higher rates for sole proprietors
COMPANY HIGHLIGHTS
We selected Nationwide as Oregon's top choice for general liability insurance through its exceptional combination of affordable premiums and reliable customer support. The company shares first place for the lowest NAIC claims ratio while earning second place for LLC cost-effectiveness, with businesses typically investing $504 annually for comprehensive liability protection.
NEXT: Cheapest Overall
pros
Easy fast buying process
Very cheap rates overall, regardless of business size
Business-insurance-only focus
cons
Higher customer complaint frequency
COMPANY HIGHLIGHTS
Our Oregon winner for cheapest general liability in Oregon is NEXT. With sole proprietorships paying just $27 monthly and limited liability companies at $29 per month, their pricing remains highly competitive in the market. While the insurer's claims performance trails regional competitors we've reviewed, customers benefit from an efficient enrollment platform and instant insurance documentation.
How Much Is General Liability Insurance in Oregon?
In Oregon, an average general liability insurance policy typically costs around $32 per month for sole proprietors and $54 per month for LLCs. However, this only represents software development companies and the costs can vary widely by industry.
| Cleaning | $989 | $61 |
| General Contractor | $2,802 | $223 |
| Software Development | $54 | $32 |
*Rates are based on a $1,000,000 per occurrence and $2,000,000 aggregate coverage policy for general liability.
Factors That Impact General Liability Insurance Costs in Oregon
General liability insurance costs can fluctuate based on a number of different factors in Oregon. In the list below, you can see these factors and their impacts on your coverage costs:
Policy limits
Coverage limits can greatly influence insurance premiums. Opting for higher limits will increase costs, whereas choosing lower limits generally leads to more affordable premiums.
Number of employees and payroll costs
Businesses with a large workforce and high payroll expenses often experience an increase in general liability insurance costs. This trend is evident in our analysis of LLCs and sole proprietorships.
Business location
Where your business operates can significantly affect your insurance costs. Keep in mind that state-level rates can differ from one city to another, so account for these variations when assessing your coverage needs.
Claims history
A record of numerous claims can make a business seem riskier to insurers, which can lead to higher premiums.
Industry
Industries with elevated risks, such as construction, typically encounter higher general liability insurance expenses.
Oregon General Liability Insurance: Buyer's Guide
Business insurance is a complicated industry and can be difficult to navigate. So, to simplify your understanding of general liability insurance, we've created a short guide detailing how to get the best coverage, defining what it covers, listing requirements in Oregon, and explaining how much coverage you should consider getting.
How to Find the Best General Liability Insurance Company
To help ensure that you get the best small business insurance regardless of your industry, we've created a step-by-step guide to simplify your coverage search.
- 1
Define your coverage needs
Find out your liability risk by considering your industry, products or services, customer types, business size and market impact. To evaluate coverage options better, measure the frequency and costs of common claims in your industry.
- 2
Research average costs for your business
To understand if you are getting a good deal on your business insurance, you should research average costs for your specific business. Knowing average expenses will give you a way to judge whether a company is saving you money or not.
- 3
Consult similar businesses
You can get recommendations from businesses that are better for your specific needs and have an understanding of what claims are common within your industry. They may also provide ways to mitigate risks associated with general liability insurance, so you don't need more coverage than necessary.
- 4
Compare multiple options through different means
Comparing multiple companies apples to apples ensures that you can judge which option is best for your business. Also, choosing multiple means of comparison, like online comparison sites and brokers, will give you a more comprehensive view of pricing and provide more opportunities to get advice.
What Does General Liability Insurance Cover and How Does It Work?
General liability insurance coverage consists of two parts: per occurrence and aggregate limits. Per occurrence refers to the maximum a single claim can go up to, while the aggregate limit is the total coverage you can get per year. In terms of covered items, this type of policy includes the following:
Bodily injuries or property damage on business property
Legal fees for bodily injury or property damage that your company may be responsible for
Damages to leased or rented business property
Bodily injury or property damage caused by your product or service
Libel, slander, or reputational harm legal defense
Legal fees for copyright infringement accusations
Is General Liability Insurance Required in Oregon?
Like in most states, general liability insurance isn't expressly required by state law and instead varies by your industry. However, if you are looking to apply for a professional license, sign a contract with a larger company, or sign an office lease, some form of general liability insurance may be required. While not an exhaustive list, the following industries tend to fall into these categories:
- Medical
- Accounting
- Real estate
- Insurance
- Contracting
- Engineering
- Marketing
- Law
- Consulting
- Media/Communications
How Much General Liability Insurance Do I Need?
Most small businesses will only need a standard policy with $1 million of protection per occurrence and a $2 million limit per year. This will likely cover most or all damages caused over a year for most business types. Even so, your particular industry's risks and the size of your operation may require a larger coverage limit than standard.
WHO MAY NEED MORE COVERAGE
Understanding the cost of minimum coverage auto insurance is just one piece of the puzzle. It's equally important to know about the insurer's customer service and coverage options. For businesses in high-risk fields like health, construction, hospitality, and retail, it's wise to think about higher coverage levels.
Best General Liability Insurance in Oregon: Bottom Line
Overall the best general liability insurance companies in Oregon are Nationwide, NEXT, and The Hartford. However, we recommend comparing around yourself and getting plenty of quotes to ensure you get the best deal possible.
General Liability Insurance in Oregon: FAQ
Below, we address frequently asked questions regarding general liability insurance in Oregon:
Which company has the best general liability insurance in Oregon?
MoneyGeek's leading choice for general liability insurance in Oregon is Nationwide, which earned an overall score of 92 out of 100. However, the ideal insurance for you depends on various details, including your business size, number of employees, and specific coverage requirements.
Which company has the cheapest general liability insurance in Oregon?
For sole proprietors, Thimble offers the most affordable coverage at $288 per year. For LLCs, NEXT is the cheapest option with annual rates of $348.
Does Oregon require businesses to have general liability insurance?
Oregon does not mandate general liability insurance for businesses, but it is recommended to protect against potential claims.
How We Chose the Best General Liability Insurance Providers in Oregon
We broke down our scores into these categories and weights:
- LLC cost (55% of score)
- Sole proprietor cost (5% of score)
- Customer satisfaction (25% of score)
- Financial strength (10% of score)
- Quote process time (5% of score)
For all business insurance companies, we assumed software development industry LLCs with 20 employees. We based customer satisfaction and financial strength scores on NAIC and AM Best ratings. Quote process scores came from our MoneyGeek experts' personal experiences.
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.