Best General Liability Insurance in Oregon (2025)

MoneyGeek conducted an analysis of various factors, including cost, customer service, quote speed and financial stability, to determine the best insurers for general liability insurance. We found that the best general liability insurance in Oregon is from Next. It also offers the cheapest rates, at $26 per month for limited liability companies (LLCs) with 20 employees and $25 for sole proprietorships.

The best or the most affordable company depends on several factors, such as your industry, number of employees, location and more. We recommend assessing your business and needs to find the ideal policy.

The best overall general liability insurance in Oregon is from Next. It received a MoneyGeek score of 89 out of 100. The table below shows our rankings of all companies in Oregon based on their MoneyGeek scores. We also included their average rates to help you compare their costs.

Next is the most affordable option for general liability insurance in Oregon, offering average monthly rates of $26 for LLCs with 20 employees and $25 for sole proprietorships. It may not have the absolute lowest rates for both types of businesses, as certain factors can affect rates. To rank insurers, we focused on affordability for both LLCs and sole proprietors equally, giving each a weight of 50%.

Nationwide is our top recommendation for employers looking for the best general liability insurance. It received a MoneyGeek score of 92 out of 100. On average, a Nationwide general liability insurance policy costs $42 per month.

To find the best company for this category, we analyzed average monthly costs for LLCs with 20 employees. The number of employees can impact your premiums, as a larger workforce may result in higher rates.

Thimble ranked first for the best general liability insurance for sole proprietors in Oregon, with a MoneyGeek score of 95 out of 100. After analyzing the average cost of a policy for sole proprietors without employees, Thimble emerged as the most affordable option, with an average monthly cost of $22. It's important to note that sole proprietors operating in riskier industries, such as construction, might pay higher premiums.

While it's not mandatory for a business to have general liability insurance, it can be helpful in certain situations, such as obtaining business licenses or securing contracts in specific industries. Having this insurance can also make you feel financially protected in the event of lawsuits. It can help you safeguard your livelihood and avoid significant financial losses during challenging times.

By purchasing general liability insurance, you can provide extra protection for your business and avoid the need to personally cover the expenses associated with claims. This insurance is designed to handle costs, including legal fees, judgments, medical bills and property damage.

Other types of business insurance are required in Oregon. For instance, businesses are required to have workers’ compensation insurance regardless of the number of employees they have. They’re also required to have the following limits for commercial auto insurance:

• $25,000 per person
• $50,000 per accident for bodily injury
• $20,000 for property damage

The average cost of general liability insurance in Oregon is $50 per month for LLCs with 20 employees and $29 per month for sole proprietors. We calculated rates based on a policy with a $2 million aggregate limit, $1 million occurrence limit and $0 deductible.

The aggregate limit represents the highest coverage amount available within your policy during its duration, and the occurrence limit is the maximum coverage for individual claims. The deductible refers to the amount you must personally pay before your insurance coverage kicks in and starts paying for a claim.

The cost of general liability insurance depends on various factors, including your specific industry, policy limits and number of employees. These factors play a role in determining the premiums you will need to pay.

We answered common questions about general liability insurance in Oregon. Here are questions you might come across when choosing the best insurer.