Oregon BUILDING OWNER INSURANCE SPECIALISTS

Commercial Landlord Insurance in Oregon

Protect your commercial properties in Oregon, including Portland, Salem, Eugene, and surrounding areas. We compare multiple A-rated carriers to find you the right LRO coverage for liability, property damage, loss of rents, and vacancy gaps.

A-Rated CarriersEvery Quote on VideoLease + COI Review
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“I run a snow plow removal business and my old insurance provider dropped my coverage!! They got everything sorted out and I was insured the same day. These guys know how to help, use them!!”

— Jessica K., Google Review

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Case Studies

Building Owner Insurance Case Studies

Anonymized examples of policy reviews we have completed for building owners across Oregon and other states.

Editorial illustration representing office building risk in Oregon
Office Building

Single-tenant converted-loft Office building, Pearl District Portland OR mixed-use corridor.

The Situation

32,000 sf 1926 three-story converted-loft (2004 office conversion — large windows, open floor plan, exposed brick, original timber beams seismically unbraced). Single-tenant creative agency on 5-year lease, 2 years remaining. Policy hadn't been re-audited against the URM seismic vulnerability, the Oregon § 456.144 retrofit-deadline (2032), or the tenant constructive-eviction exposure from earthquake-triggered habitability concerns in three renewal cycles.

What We Did

Read the creative agency tenant's 5-year lease line by line against the policy schedule. Documented the URM seismic exposure (1926 URM construction, original timber beams unbraced — Oregon § 456.144 retrofit-deadline 2032). Pulled the structural-engineer assessment history against post-earthquake substantial-alteration trigger under Oregon Structural Specialty Code. Documented the tenant constructive-eviction exposure (earthquake-triggered habitability concerns — Schiavi v. White implied covenant of usable-condition). Reviewed seismic-reinstatement coverage scope (code-compliance retrofit costs typically excluded as "upgrade" not "repair"). Cross-walked Multnomah County plaintiff-friendly venue patterns against premises liability tower sizing.

🎯 The Outcome

Replaced coverage on next renewal matching the URM seismic exposure and creative-agency tenant operations profile. Structural-engineer assessment scheduled with seismic-retrofit capital plan documented. Seismic-reinstatement coverage endorsement scoped to Oregon § 456.144 + Oregon Structural Specialty Code substantial-alteration trigger. Tenant constructive-eviction defense framework structured under Schiavi v. White implied covenant of usable-condition. Loss-of-rents coverage scoped to re-leasing reality. Mutual waivers of recovery added. Property coverage scope expanded for earthquake damage and code-upgrade contingency. Premises liability tower sized to Multnomah County plaintiff-friendly venue patterns. Building owner walked into renewal discussions with the creative agency tenant holding documentation showing the policy now matched what the lease required — replacing dec-page guesswork at the next renewal.

Editorial illustration representing industrial / warehouse risk in Oregon
Industrial / Warehouse

Single-tenant industrial warehouse, Beaverton OR suburban industrial-tech corridor.

The Situation

78,000 sf single-story 1995 warehouse (tech-hardware-distributor tenant on 5-year lease, 1 year remaining; prior Phase 1 ESA flagged adjacent-property historic-use risk). Roof membrane deteriorating with original 1995 asbestos-laden insulation. Policy hadn't been re-audited against the asbestos-abatement coverage scope, the migrating-VOC adjacent-property exposure, or the tenant emergency-lease-termination risk in three renewal cycles.

What We Did

Read the tech-hardware-distributor's 5-year lease line by line against the policy schedule. Documented the asbestos-laden roof-insulation exposure (original 1995 installation — abatement triggers Oregon DEQ mandatory disclosure + OAR 340-122 compliance scope). Pulled the prior Phase 1 ESA and adjacent-property history against current migrating-VOC vulnerability. Documented the asbestos-abatement coverage gap (typically excluded under standard LRO unless dedicated endorsement). Reviewed environmental liability scope against Oregon Brownfield Remediation statute ORS 645C.097-110 cost-recovery framework. Cross-walked Washington County moderate-conservative venue patterns against premises liability tower sizing.

🎯 The Outcome

Replaced coverage on next renewal scoped to Oregon DEQ + Brownfield Remediation framework and asbestos-abatement + migrating-VOC exposure profile. Roof replacement reserve funded with asbestos-abatement contractor schedule documented (OAR 340-122 compliance). Phase II ESA scheduled to assess migrating-VOC mobilization on adjacent-property boundary. Environmental endorsement scoped to ORS 465C.097 strict-liability + Brownfield Remediation cost-recovery framework. Tenant emergency-termination defense documentation structured. Mutual waivers of recovery added. Premises liability tower sized to Washington County moderate-conservative venue patterns. Building owner walked into renewal discussions with the tech-hardware tenant holding documentation showing the policy now matched the Oregon-environmental + asbestos reality — replacing dec-page guesswork at the next renewal.

Editorial illustration representing retail strip center risk in Oregon
Retail Strip Center

Multi-tenant university-anchored retail strip, Eugene OR University of Oregon adjacent corridor.

The Situation

18,500 sf 1985 single-level retail strip (EPDM membrane roof 2018, 240-amp three-phase). Seven tenants in a student-corridor mix (coffee, books, food, fitness, optometry, salon, repair). High pedestrian density during academic year (~25,000 daily foot traffic), sharp drop in summer break. Atmospheric river precipitation compounds parking-lot drainage frequency. Policy hadn't been re-audited against the seven leases or the student-corridor seasonal pedestrian-density premises-liability exposure in three renewal cycles.

What We Did

Read all seven student-corridor tenants' leases line by line against the policy schedule. Documented the seasonal pedestrian-density premises-liability exposure (academic-year 25,000 daily foot traffic creates compressed-time-of-year liability concentration). Pulled the parking-lot drainage history against atmospheric river precipitation events (multi-day heavy-rain pattern recurring in fall and spring). Reviewed common-area lighting and walkway condition documentation against Oregon Rev. Code § 30.115 reasonable-care premises duty. Documented the additional-insured wording gap across the student-corridor tenant mix. Cross-walked Lane County moderate-venue patterns against premises liability tower sizing.

🎯 The Outcome

Replaced coverage on next renewal matching the seven-tenant student-corridor portfolio and Eugene seasonal pedestrian-density exposure profile. Parking-lot drainage capital improvement scheduled against atmospheric river precipitation pattern. Common-area lighting and walkway condition documentation framework established. Additional-insured blanket endorsement standardized across the student-corridor tenant portfolio. Mutual waivers of recovery added. Premises liability tower sized to Lane County moderate-venue patterns and academic-year compressed-concentration exposure. Loss-of-rents coverage scoped to summer-break re-occupancy timing reality. Building owner walked into renewal discussions with the seven tenants holding documentation showing the policy now matched what the leases required — strengthening tenant relationships and replacing dec-page guesswork at the next renewal.

Bobby Friel, Partner at Direct Insurance Services

Bobby Friel

Partner, Direct Insurance Services

You know how it is — you own a converted-loft office in the Pearl District or a multi-tenant tower in Lloyd, your tenants carry their own insurance, and Oregon's URM retrofit deadline isn't until 2032. But here's the question: when a 5.2 Cascadia event puts diagonal cracks in your unreinforced masonry walls and your tenant threatens to terminate over building safety, does your building owner program actually cover seismic code-compliance retrofit costs — or just direct earthquake damage well below the upgrade threshold? Standard commercial-line markets don't underwrite to Oregon's Cascadia seismic exposure or to the DEQ strict-liability framework that holds current owners liable for legacy contamination. The renewal cycle runs off the prior dec page — same limits, same generic seismic treatment, no re-read of the lease against tenant fit-out obligations or the Phase 1 ESA baseline. So when a Cascadia event triggers a code-compliance retrofit claim, or when a tenant's environmental review surfaces a legacy issue under DEQ's responsible-party framework, the gap shows up at claim time, not before. What we do is read your lease line by line before we quote. We pull the Phase 1 ESA and assess your building's seismic status, particularly URM or older steel-frame structures. We map your additional-insured wording and waiver-of-recovery provisions. We walk you through what the building owner program pays — and what it won't — against Oregon's Cascadia and DEQ responsible-party exposure on video. Then we shop the carriers that underwrite Oregon-specific exposure — not the commercial-line template the standard renewal cycle runs off. So when you look at your current building owner program against your actual leases and Oregon's Cascadia + DEQ responsible-party framework — do the seismic-retrofit allocation and the pollution-coverage scope match the exposure your portfolio is actually carrying, or is there a gap worth closing before next renewal? Sound fair?

When was the last time anyone read your active tenant leases against your actual policy schedule?

On Video Before Binding

Two Videos Worth Watching Before You Submit a Quote

Nobody wins if there are coverage gaps. Our team reviews your active leases, your lender's insurance schedule, and your tenant COI portfolio before binding — so your policy schedule actually matches what your leases and lender require. Watch both before you submit.

Watch: How building owner insurance actually works

Bobby Friel · Partner, Direct Insurance Services

Watch: A real commercial policy review

Patrick Henigan · Licensed Agent, Direct Insurance Services

🏢 Property Types

Commercial Property Types We Insure in Oregon

Every property type has different risks. We match your portfolio to the right carrier and coverage program.

Strip Malls & Retail Centers

Multi-tenant common-area liability, ADA path-of-travel, parking lot premise liability

Office Buildings

Tenant common-area exposure, restroom and lobby slip/fall, HVAC and elevator equipment breakdown

Industrial & Warehouse

Loading dock injuries, environmental contamination, structural roof load and BI for tenant operations

Mixed-Use Properties

Coordinated commercial + residential exposures, code-upgrade ordinance gaps, blended tenant-mix risk

Medical & Professional Office

Patient and visitor common-area liability, equipment breakdown for medical infrastructure

Parking Structures

Premises liability for vehicle and pedestrian incidents, lighting and security adequacy claims

Vacant / Under Renovation

Vacancy permit endorsements, builder's risk overlap, contractor liability coordination

Multi-Tenant Commercial

Per-tenant lease compliance audit, blanket schedule structure, tenant-mix umbrella sizing

Financial & Professional Services

Higher invitee traffic, cash-handling tenant security, professional-tenant E&O coordination

Flex Space & Light Industrial

Mixed warehouse + office exposure, loading area safety, equipment breakdown sub-limits

Single-Tenant Retail (NNN)

Triple-net lease assignment review, owner-vs-tenant maintenance allocation, COI verification cycle

Restaurant & Food Service Buildings

Liquor liability tenant exposure, kitchen equipment and grease-fire risk, hood/Ansul lease assignment

Don't see your property type? Start a review and we'll work through it together.

📝 Helpful to Have

What Helps Us Build the Right Building Owner Policy For You

The more we know about your building, your active leases, your lender's insurance schedule, and your current policy, the cleaner the review. None of these are required to start a conversation — but the more you can share upfront, the faster we surface the gaps that matter.

Property addressBuilding location and jurisdiction
Year builtBuilding age and code-upgrade exposure
Occupancy typeTenant mix and use classification
Recent updatesRenovations, system replacements, capital improvements
Prior claimsFive years of loss runs and claim narratives
Active lease templates or lease summaryTenant insurance requirements, additional-insured wording, lessor's waiver provisions, and COI compliance language
Lender's insurance schedule (if mortgaged)Loss-payee structure, replacement cost mandate, ordinance-and-law sublimit, and loss-of-rents period required
Contact info to send optionsEmail and best phone for the video walkthrough
Get Building Owner Coverage in Oregon →

Don't have everything? No problem — start the form and we'll review what we need together.

🛡️ Coverage Breakdown

LRO Insurance Coverage in Oregon

A complete landlord insurance program combines multiple coverage types to protect every angle of your Oregon commercial properties.

CORE COVERAGE

Lessors Risk Only (LRO) Policy

Lessors Risk Only is the foundation of your building owner program. It responds to property damage on the structure, common areas, parking surfaces, and shared infrastructure you own as the landlord — fire, wind, hail, water damage, vandalism, structural failure. It pairs property coverage against general liability for the building itself (not tenant operations) and aligns to your lender's insurance schedule on CMBS-financed and bank-portfolio properties. Oregon building owners face heaviest LRO exposure on Cascadia Subduction Zone seismic events — older unreinforced masonry buildings concentrated in Portland Downtown and Pearl District carry high vulnerability with the URM retrofit deadline extended to 2032. Cascade-range wildfire-WUI exposure tightened reinsurance treaty terms across Bend and southern Oregon properties. Willamette Valley flood and coastal wind compound the picture. Property limits must reflect actual Portland labor markets (tighter than Seattle but premium relative to national) and the building's seismic classification.

  • ✓5.2 Cascadia event puts diagonal cracks in Pearl District unreinforced masonry walls
  • ✓Cascade-range wildfire smoke infiltrates HVAC and damages common-area finishes on Bend mixed-use property
  • ✓Pacific-coastal nor'easter windstorm blows out west-facing curtain-wall glazing on Lloyd District office tower
  • ✓Willamette Valley winter flood inundates Beaverton tech-corridor warehouse loading dock
ESSENTIAL

Commercial General Liability

Commercial general liability is the third-party defense layer of your building owner program. It responds when invitees — tenants, tenant employees, customers, vendors, visitors — claim bodily injury or property damage tied to common areas, parking lots, lobbies, building exteriors, or shared infrastructure you own as the landlord. It pays defense and indemnity within scheduled limits. What it does not cover: claims arising from tenant operations inside leased space (the tenant's GL responsibility). Oregon applies common-law commercial premises liability with Schiavi v. White habitability duty — owners must maintain premises in habitable and usable condition, expanding lessor duty during partial-loss restoration and post-event tenant termination scenarios. Multnomah and Washington County venue patterns sit below California and Hudson County levels but above national medians. Ninth Circuit ADA Title III enforcement is active across older Portland downtown stock; Pearl District and Lloyd District converted-loft and pre-1990 office inventory carry accessibility-claim concentration.

  • ✓Defense and indemnity for third-party bodily injury and property damage on common areas
  • ✓Schiavi v. White habitability duty examined against your partial-loss restoration protocols
  • ✓Multnomah and Washington County venue patterns reflected in premises liability tower sizing
  • ✓Ninth Circuit ADA Title III accessibility severity factored into defense and indemnity scope
CRITICAL

Loss of Rents / Business Income

Loss of rents — also called business income coverage for landlords — replaces rental income your building loses when a covered property event makes leased space uninhabitable or interrupts tenant operations. It pays for the period of restoration plus an extended period of indemnity (commonly 12 months, longer for specialty asset types). It pairs against your lender's insurance schedule, which often mandates minimums above standard program defaults. Oregon's tight Portland office market drives extended re-leasing timing reality — 45-75 day turn typical, 120+ days for specialty Pearl District converted-loft and Lloyd District multi-tenant office. Cascadia event aftermath would extend timelines significantly given regional contractor capacity constraints. Schiavi habitability duty expands lessor obligation when partial-loss events render premises uninhabitable, creating constructive-eviction exposure. Beaverton tech-corridor industrial tenant fit-out specificity (R&D, semiconductor-adjacent operations) extends specialty-space turn timing well beyond standard commercial-line defaults.

  • ✓Rental income replacement during period of restoration + extended period of indemnity
  • ✓Re-leasing timeline sized to tight Portland Class A office reality (120+ days for specialty space)
  • ✓Schiavi habitability-duty constructive-eviction claims accounted for in policy scope
  • ✓Cascadia event aftermath extended-restoration contingency factored into extended period
OFTEN MISSED

Water Backup & Sewer Coverage

Water backup and sewer coverage responds when water enters the building from a backed-up sewer line, drain, or sump pump failure — exposures that are typically EXCLUDED from standard property coverage. The endorsement covers damage to the building structure, common areas, finishes, and shared mechanical systems caused by water backup events. Coverage sub-limits and deductibles are usually scheduled separately from primary property limits. Oregon Pacific-coastal exposure and Willamette Valley flood-plain reality drive water-backup frequency on older Portland brick-and-mortar inventory — Pearl District converted-warehouse basement-mechanical rooms, Lloyd District mid-rise stormwater systems, and aging downtown infrastructure are exposed. Cascadia event aftermath would compound sewer-system disruption across the Portland metro. Sub-limits for water backup sit far below primary property limits — sizing requires actual review of the property's basement, below-grade, and stormwater infrastructure, not generic flat-limit endorsements. Coastal Tillamook and Astoria properties face additional tidal stormwater backup.

  • ✓Standard property exclusion override — water backup and sump-pump failure covered
  • ✓Sub-limit sized to Pearl District converted-warehouse basement infrastructure exposure
  • ✓Cascadia event sewer-system disruption contingency factored into endorsement scope
  • ✓Willamette Valley flood-plain risk on Beaverton and Hillsboro tech-corridor properties

Equipment Breakdown

Equipment breakdown coverage — sometimes called boiler-and-machinery — responds when shared building systems fail mechanically: HVAC compressors, elevators, boilers, electrical panels, transformers, fire-suppression pumps. It pays for repair or replacement of the equipment itself plus ensuing damage to the building. Standard property coverage typically EXCLUDES mechanical or electrical breakdown — equipment breakdown is the dedicated endorsement that responds. Oregon building owners carry equipment-breakdown exposure heaviest on older Portland Downtown and Pearl District infrastructure — aging HVAC, original pre-1990 electrical systems, and older elevator infrastructure in converted-loft buildings. Beaverton tech-corridor industrial properties depend heavily on backup-power and HVAC redundancy that surface in equipment-breakdown scope — semiconductor-adjacent and R&D tenants have low tolerance for power-event interruptions. Cascadia-triggered mechanical failure cascades would compound across the Portland metro. Coverage sub-limits should be sized against the actual equipment schedule, not generic flat-limit endorsements.

  • ✓HVAC, elevators, boilers, electrical panels, transformers, fire-suppression pumps all covered
  • ✓Older Pearl District and Lloyd District pre-1990 mechanical infrastructure underwritten distinctly
  • ✓Beaverton tech-corridor backup-power and HVAC redundancy dependency reflected in sub-limits
  • ✓Cascadia-triggered mechanical failure cascade contingency factored into coverage scope
RECOMMENDED

Umbrella / Excess Liability

Umbrella or excess liability coverage sits on top of your primary CGL, auto, and (where applicable) employer's-liability towers. It provides additional limits ($2M to $10M and above) that respond when claims exhaust primary coverage. Umbrella towers also drop down to fill gaps in primary on specific perils. For building owners, the umbrella is the layer that protects against high-severity premises liability claims exceeding primary CGL limits. Oregon umbrella tower sizing on commercial-landlord programs reflects Multnomah and Washington County venue patterns (above national medians but below California-coastal severity), plus the post-Cascadia high-severity premises liability exposure that would surface following any significant seismic event. DEQ environmental responsible-party exposure adds another layer that often requires umbrella drop-down for pollution-coverage gaps in primary. Multi-tenant Portland Class A and Pearl District converted-loft portfolios frequently require $5M-$10M umbrella towers to align with lender insurance schedule requirements and Schiavi-amplified award reality.

  • ✓$2M-$10M+ excess limits above primary CGL and auto towers
  • ✓Drop-down provisions for DEQ pollution gaps in primary on industrial-legacy properties
  • ✓Tower sizing reflects Multnomah/Washington County venue patterns and Cascadia event contingency
  • ✓Multi-property portfolio aggregate-limit clarification handled at program structure

Premium Drivers

What Drives Your Oregon Commercial Landlord Insurance Premium

Commercial landlord insurance pricing depends on dozens of factors specific to your portfolio. Here's what drives premiums up or down — and why generic estimates almost always miss the mark.

Rating FactorImpact on Premium
Building type (office vs retail vs industrial vs mixed-use)
Significant30–80% swing
Construction type and age
Notable20–60% swing
Tenant mix (restaurants, auto repair, medical raise premium)
Significant20–100% swing
Total square footage
CriticalScales volume linearly
Replacement cost (vs purchase price)
CriticalDetermines premium base
Vacancy history
Notable15–40% swing
Loss of rents coverage period
Minor8–15% of property premium
Claims history (last 5 years)
Significant25–100%+ swing
Location (flood zone, earthquake, coastal)
Notable20–75% swing
Protective features (sprinklers, alarms, security)
Notable15–30% swing
Umbrella limits selected
CriticalLinear scaling — most cost-efficient liability layer
Equipment and systems age (HVAC, electrical, plumbing)
Minor10–25% swing

A complete commercial landlord insurance program typically includes these policies:

CoveragePurposeTypical Limits
Lessors Risk PropertyBuilding structure, exterior, parking100% replacement cost
General LiabilityThird-party injuries on property$1M per occurrence / $2M aggregate
Loss of RentsRental income replacement during covered loss12–24 months of total rental income
Vacancy Coverage EndorsementClaims during extended vacancyRequired for units vacant 60+ days
Water Backup / Sewer CoverageSewer and drain backup damage$25K–$100K
Equipment BreakdownMechanical/electrical systems failures$100K–$500K
Umbrella / Excess LiabilityAdditional liability layer$2M–$10M based on portfolio size

Every portfolio is different. Rather than guess at your premium from a generic table, get a real review from a licensed agent who understands commercial landlord risk.

Your Oregon Building Owner Reality

Landscape, Laws, Realities & Cost Drivers

Four angles on what shapes building owner underwriting and lender-schedule compliance for Oregon commercial landlords.

The Commercial Landlord Insurance Landscape in Oregon

Oregon's commercial real estate clusters in Portland (downtown CBD, Pearl District converted-loft office, Lloyd District multi-tenant office, and suburban tech corridors in Beaverton/Hillsboro), Eugene (University of Oregon-anchored retail and office), Salem (state-capitol-adjacent), Bend (tourism corridor with seasonal retail and mixed-use), and Medford / Ashland (southern Oregon secondary metros). The state's commercial real estate sits under a heavy seismic-and-environmental overlay — the Cascadia Subduction Zone creates earthquake exposure with older unreinforced masonry buildings highly vulnerable, DEQ strict-liability environmental framework holds current owners responsible for legacy contamination regardless of historical-tenant causation, and Portland's tight office market drives lender insurance schedule compliance on CMBS-financed properties.

Risk Calculator

Want to Know Your Oregon Building Owner Risk Profile?

Our Risk Calculator surfaces the biggest gaps in 60 seconds — no email required.

Building Owner Risk Calculator

Check Your Oregon Building Owner Risk in 60 Seconds

Most building owner programs in Oregon have at least one schedule gap that hasn't surfaced at renewal. Take 60 seconds to check your lender's insurance schedule against actual coverage, ordinance-and-law sublimit relative to building age, loss of rents period against typical recovery curve, lease-required additional-insured endorsements, and umbrella alignment with tenant lease language.

What it surfaces

Lender schedule

Insurance schedule alignment

Loss of rents

Period vs recovery curve

Ordinance & law

Sublimit vs building age

Lease COIs

Additional-insured verification

Sample question · 1 of 10~6 sec each

Does your loss-of-rents period actually cover the realistic rebuild timeline for your building (12 months minimum, 18-24 for older or larger buildings)?

Yes, sized to current rent roll + rebuild timeline
I think so, never verified against rebuild estimate
No / Not sure

Live calculator scores your answers and flags coverage gaps at the end — no email required.

Did you know? A loss-of-rents period sized to last year's rental income against a 6-month rebuild assumption is the most common gap we surface — actual rebuilds for older multi-tenant buildings routinely run 12-18 months once permit and code-upgrade work factors in.

Check Your Risk →
FreeNo email required60 seconds10 questions

⚠️ Policy Gaps We Find

8 Mistakes That Cost Oregon Commercial Landlords Six Figures

These are the coverage gaps we find in nearly every landlord policy review. How many of them apply to your building?

1

📊 Does Your Policy Know the Difference Between a $200K Tenant and a $5M Tenant?

A nail salon doesn't create the same risk as a restaurant with a commercial kitchen. A law office doesn't create the same risk as a gym with tanning beds. Most landlord policies are priced and written as if every tenant is the same. What happens when you lease to a higher-risk tenant and never update your coverage? Your premium stays the same, but your actual exposure doubles or triples.

2

🏢 When Was the Last Time You Read What Your Tenant's Insurance Actually Covers?

What does your tenant's policy do if their equipment starts a fire that destroys your building? Answer: nothing. Tenant policies cover the tenant's property — not yours. So what's protecting your building if the damage originates from their space?

3

🚪 What Happens When a Unit Sits Empty for 60 Days?

Most commercial property policies have vacancy exclusions that kick in at 30 or 60 days. If a pipe bursts in a vacant unit on day 92, your claim is denied — and you're paying for the damage out of pocket. Do you know what the vacancy clause says in your policy, and how to prevent a denial?

4

📋 Does Your Tenant's Insurance Actually Meet the Requirements in Your Lease?

Your lease requires tenants to carry specific coverage — general liability, property, additional insured status for you, and waiver-of-recovery provisions. When was the last time anyone actually verified the COIs on file match your lease requirements? Most landlords find out about the gap only when there's a claim.

5

💸 If Your Biggest Tenant Leaves Tomorrow, Does Your Policy Replace the Rent?

Loss of Rents coverage replaces rental income when your building is uninhabitable after a covered loss. But is your limit high enough to cover actual market rents, and long enough to cover a realistic rebuild timeline? Most landlords have this coverage — just not enough of it.

6

🔧 Who Pays When the HVAC or Elevator Fails?

Equipment breakdown coverage protects against mechanical and electrical failures that standard property policies exclude. A chiller failure in July can cost $40,000 in repairs and weeks of tenant complaints. Does your policy include equipment breakdown — or will you be paying for it out of your own reserves?

7

💵 Is Your Building Insured for Replacement Cost or Purchase Price?

These are very different numbers. You may have bought the building for $800K, but it would cost $1.4M to rebuild today. If your policy is based on purchase price or market value instead of replacement cost, you're underinsured by hundreds of thousands of dollars — and you won't know until you need to rebuild.

8

⚠️ Have You Ever Had a Professional Review Every Lease Against Your Insurance Policy?

Your leases say one thing. Your insurance policy says another. When they don't line up — and they almost never do — you're the one exposed. When was the last time someone did a proper cross-check between your leases, your tenants' COIs, and your own policy?

Before You Decide

Things You're Probably Wondering

We're mid-term on our current policy — do we have to wait for renewal?

Not always. If a meaningful gap is on the policy (lender schedule mismatch, missing lease-required additional insured endorsement, loss-of-rents capped below current rent roll, ordinance-and-law sublimit that doesn't reflect building age, or a tenant COI being rejected for misaligned waiver wording), it's often worth canceling mid-term and rewriting. We walk you through the math on whether the unearned premium refund and new policy cost make sense. If renewal is 90 days out, usually wait. If it's 9 months out and a lender refinance review is held up by a coverage gap, often worth moving now.

How fast can we have coverage in place?

Most reviews wrap in 3-7 business days from first conversation to bound coverage. The faster end happens when your submission is thorough — current dec page, the active leases, your lender's insurance schedule, building details (age, square footage, tenant mix), and loss runs ready upfront. The longer end is when we're chasing details one piece at a time. We don't rush the lease review, but we don't drag one either.

What happens when a lender or tenant pushes back on our COI during compliance review?

You forward us the lender's insurance schedule or the tenant's COI requirement and the rejection notice. We compare what they're asking for against your policy's actual schedule, push the carrier for endorsement adjustments where the gap is real, and reissue a corrected COI or send the requesting party a coverage breakdown that matches their requirements. Most pushback traces to one or two specific endorsement details — once you know which ones, the fix is usually fast and the lease or refinance window doesn't get held up.

Get a Building Owner Policy Review →

Our Process

Bobby Friel, Partner at Direct Insurance Services

Bobby Friel

Partner, Direct Insurance Services

How We Work With Your Building Owner Program

Six steps from first conversation to bound coverage — the consultative review you saw on video earlier, mapped to your active leases, your lender's insurance schedule, and your tenant mix.

1

Read Your Active Leases and Lender Schedule First

Before we quote, we read your active tenant leases — additional insured language, waiver provisions, COI requirements — and your lender's insurance schedule (CMBS or institutional-loan covenants). Your current dec page comes second. Most policies bind off the prior dec page; we work the other direction.

2

Walk Your Building Mix and Tenant Profile

We map your portfolio — single-tenant or multi-tenant, office or retail or industrial or mixed-use, building age and code-upgrade exposure, anchor tenants and rent-roll concentration. Standard commercial-line markets price off averages; building owner programs need to underwrite to specifics.

3

Map Your Current Policy Against Real Exposure

We line up your existing dec page next to what we just read — leases, lender schedule, building mix — and identify the gaps. Lease-required endorsements that aren't there. Loss of rents capped below the lender's minimum. Ordinance-and-law sublimit underwritten to a different building age.

4

Shop Across Multiple Carriers Built for Building Owner Risk

We bring your specific risk profile to multiple carriers actively writing competitive building owner programs in your jurisdiction — not the appointment-limited markets that quote off generic commercial-line templates. Different carriers have different appetites for tenant-mix, building age, and lender-schedule complexity. We match the paper to the risk.

5

Walk Every Option on Video Before You Bind

We record a video walking you through each carrier's offer — what's covered, what's sublimited, where the lender schedule is met or missed, where lease-required endorsements land. You see the structure before you sign anything. No insurance jargon, plain English, your call.

6

Bind, Issue Tenant COIs, and Stay With You at Renewal

Once you choose, we bind coverage, issue tenant-additional-insured COIs against the lease language we already read, and deliver lender-as-mortgagee documentation. Then we stay in the relationship — renewal review starts 90 days early, against the same leases and lender schedule, not against the prior dec page.

🗺️ Multi-Market

Different building owner programs need different carrier appetite. Multi-market shopping finds the fit.

Lender schedules, tenant-mix profiles, building age, and ordinance-and-law exposure each pull different carrier appetites. We match your portfolio to carriers actively writing competitive building owner programs in your jurisdiction — not the appointment-limited markets that bind off the prior dec page.

Future Pacing

What Happens After You Have The Right Coverage

Once your building owner program actually matches your active leases, your lender's insurance schedule, and your tenant mix, COI submissions stop being a panic. Lender refinance reviews don't stall because your loss-of-rents limit is short or your ordinance-and-law sublimit is sized to a different building age. Tenant COI compliance audits don't surface gaps in additional-insured wording or waiver provisions. New tenant onboarding doesn't get held up because the lease language doesn't quite match what your policy will defend. And when a real claim hits — a slip-and-fall in common areas, a roof failure, a tenant-caused property damage event, an environmental contamination discovery — you're not finding out at the worst moment that the policy schedule didn't cover what you assumed it did.

  • Lender insurance schedule reviews clear on first submission, not after multiple endorsement rounds
  • Tenant COI compliance audits don't surface lease-language mismatches or missing endorsements
  • Loss of rents and ordinance-and-law sub-limits sized to current rent roll and building age, not last year's averages
  • Renewal review starts 90 days out with no carrier non-renewal surprises or last-minute appetite changes
Get a Building Owner Policy Review →

Local Risk Intelligence

Critical Building Owner Coverage Gaps by Oregon Metro

Risks vary across Portland Downtown / Pearl District, Lloyd District, Beaverton / Hillsboro, and Bend. Switch tabs for the specific exposures we map for each metro — and the coverage gaps that catch building owners off guard.

Oregon Metro

Portland Downtown / Pearl District: Critical Building Owner Coverage Gaps

1

Cascadia URM 2032 retrofit deadline + substantial-alteration trigger

Portland Downtown and Pearl District concentrate unreinforced masonry (URM) commercial inventory highly vulnerable to Cascadia Subduction Zone seismic exposure. Oregon Rev. Code § 456.144 URM seismic-safety standards impose 2032 retrofit deadline, and substantial-alteration triggers activate current seismic-code compliance obligations during renovation. Code-compliance retrofit costs ($100K-$400K range) typically exclude or sub-limit on standard property coverage, creating gap exposure on partial-loss rebuilds.

Real examplePearl District 1926 URM converted-loft mixed-use facing $200K-$400K code-compliance retrofit cost during partial-loss rebuild when substantial-alteration trigger activated current seismic-code compliance scope past standard endorsement.

What you needSeismic reinstatement endorsement with code-compliance allocation + URM retrofit documentation + ordinance-and-law endorsement sized to Oregon Rev. Code § 456.144 substantial-alteration trigger.

2

Tight office market loss-of-rents extended re-leasing

Portland Downtown and Pearl District concentrate tight office market exposure where re-leasing reality runs 45-75 day turn typical, 120+ days for specialty space — significantly longer than standard commercial-line program defaults. Class A office reset, converted-loft mixed-use, and dense ground-floor retail concentrate exposure on extended-period-of-indemnity sizing. Schiavi v. White implied covenant of usable-condition applies, expanding lessor duty beyond explicit lease language.

Real examplePortland Pearl District converted-loft Class A office facing extended re-leasing cycle when tight-market specialty-space vacancy extended partial-loss restoration timeline past standard 9-month BI scope.

What you needLoss-of-rents extended-period-of-indemnity sized to Portland tight-market re-leasing reality + tenant-fit-out replacement coverage + implied covenant of usable-condition compliance audit.

3

ADA accessibility on older Portland downtown stock

Portland Downtown and Pearl District older multi-tenant retail and converted-loft inventory carries concentrated ADA Title III accessibility claim exposure — path-of-travel, restroom configuration, and parking-access claims drive frequency on properties with public-accommodation tenant operations. Ninth Circuit ADA Title III enforcement applies, and standard CGL accessibility coverage scopes to generic ADA defense without older-Portland-stock severity calibration.

Real examplePearl District older converted-loft multi-tenant retail facing Ninth Circuit ADA path-of-travel + restroom configuration claim when standard renewal cycle missed compliance audit at tenant fit-out work.

What you needADA Title III accessibility coverage with defense-cost scope sized to Ninth Circuit severity + lease-signing compliance audit + path-of-travel inspection at tenant fit-out.

We also serve building owners in:

Portland, ORSalem, OREugene, ORBeaverton, ORHillsboro, ORMedford, ORLake Oswego, OR

📋 Coverage Gap Analysis

Find the gaps before claim time does

We'll review your Oregon building owner program against your actual leases, your portfolio's real exposure, and Oregon-specific statutory framework.

Your dec page says you're covered. We pull your tenant insurance schedules, your additional-insured endorsement forms, your waiver-of-recovery provisions, and your coverage scope — line by line against your lease language and Oregon's statutory framework — and surface the gaps before claim time does.

Schedule Your Coverage Gap Analysis

Carrier Partners

Carriers We Work With

We compare quotes from multiple A-rated carriers writing commercial landlord risk to find Oregon building owners the right combination of coverage, lender-schedule alignment, and price.

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Travelers commercial landlord insurance carrier logo
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Plus additional specialty markets we're appointed with for high-risk tenants, large portfolios, mixed-use, and CMBS-financed buildings.

🗺️ Multi-Market Reach

Lender schedules and tenant-mix profiles pull different carrier appetites — multi-market shopping matches your portfolio to the right paper.

Standard commercial-line markets don't underwrite to LRO-specific exposures. We shop your active leases, your lender's insurance schedule, your tenant-mix risk profile, and your building's age and code-upgrade exposure across carriers actually writing competitive building owner programs in Oregon — not the appointment-limited markets that bind off the prior dec page.

The Complete Commercial Landlord Insurance Guide

Insurance Service 365

Want to Go Deeper?

Read the Complete Commercial Landlord Insurance Guide

A 5,000-word guide covering lessors risk, loss of rents, vacancy exclusions, tenant vs landlord coverage boundaries, and a real vacancy denial case study. Free, no email required.

  • Lessors risk vs commercial property — what each policy covers
  • Loss of rents structure: limit sizing, extended period of indemnity
  • Vacancy exclusion mechanics and how to avoid claim denials
  • Tenant COI verification + lease-required endorsement language
Read the Full Guide →

~5,000 words · 15 min read · Free

Frequently Asked

Oregon Commercial Landlord Insurance FAQs

No. Standard LRO and commercial property policies in Oregon exclude earthquake damage. You need a separate earthquake policy or endorsement. Given Oregon's exposure to the Cascadia Subduction Zone, which is capable of producing a magnitude 9.0 earthquake, earthquake coverage is strongly recommended for all western Oregon commercial properties. Earthquake coverage costs vary based on building construction type, seismic retrofit status, and proximity to fault zones. URM buildings face the highest earthquake premiums. We help Oregon landlords find earthquake coverage that balances adequate protection with manageable costs.

Portland's persistent moisture, averaging 155 rainy days per year, makes water intrusion and moisture-related damage the most common commercial property claims in the Oregon market. Carriers pay close attention to building waterproofing, roof condition, drainage systems, and ventilation that prevents mold growth. Buildings with documented moisture management programs and recent roof replacements receive more favorable rates. We structure Oregon LRO policies with adequate water damage coverage and recommend proactive moisture management to reduce claims frequency.

The catastrophic September 2020 wildfire season fundamentally changed the Oregon commercial property insurance landscape. Carriers have restricted or non-renewed coverage for properties in wildfire-prone areas, particularly in the Rogue Valley (Medford, Ashland), Central Oregon (Bend), and communities along the Cascade foothills. Properties in designated wildland-urban interface zones may require surplus lines placement at higher premiums. We work with multiple carriers, including specialty wildfire markets, to find coverage for fire-exposed commercial properties without excessive restrictions.

Portland's mandatory URM (unreinforced masonry) retrofit ordinance requires owners of URM buildings to seismically strengthen their structures within specified timelines. This affects hundreds of commercial buildings in Old Town/Chinatown, Central Eastside, and inner neighborhoods. Retrofit costs can be significant, typically $15-$50 per square foot depending on building size and complexity. However, retrofitted buildings receive meaningful insurance premium reductions for both property and earthquake coverage, and the improved structural resilience protects your investment against catastrophic seismic loss.

Portland LRO insurance costs reflect the city's unique combination of moisture risk, seismic exposure, and high construction costs. A small commercial property valued at $1-2 million with low-risk tenants typically costs $3,500-$9,000 per year for base LRO coverage, not including earthquake. A larger mixed-use building valued at $5-10 million with restaurant tenants may cost $15,000-$45,000. Add earthquake coverage for an additional 30-80% depending on building construction. Bend properties carry wildfire surcharges, while Eugene and Salem generally cost less than Portland.

Portland's energy performance reporting requirement for commercial buildings over 20,000 square feet, along with Oregon's increasing green building standards, do not directly increase insurance premiums but affect property operations and valuations. Green-certified buildings (LEED, Energy Star) may qualify for insurance credits from some carriers. However, sustainable building features like green roofs, solar panels, and specialized HVAC systems require adequate coverage in your property policy. We ensure Oregon LRO policies properly cover green building components at their full replacement cost.

Yes. Oregon was among the first states to legalize recreational cannabis (Measure 91, 2014), and the industry is well established. Standard admitted carriers generally exclude cannabis tenancies, so coverage must be placed with specialty surplus lines markets. Oregon's cannabis market has experienced significant oversupply in recent years, which has weakened some dispensary and grow operation tenants financially. We work with carriers that underwrite cannabis-occupied commercial properties and help landlords assess the financial stability of cannabis tenants.

Regulatory Snapshot

Oregon Commercial Landlord Insurance Requirements

Key insurance and regulatory requirements that Oregon commercial landlords should know.

1

Cascadia Subduction Zone Seismic Exposure — Oregon lies within Cascadia Subduction Zone; older unreinforced masonry buildings have high seismic vulnerability and create code-compliance retrofit exposure.

2

DEQ Strict-Liability Environmental Framework — Oregon Department of Environmental Quality can hold current property owners liable for legacy contamination regardless of who caused it.

3

Oregon URM Retrofit Standards — Oregon Revised Code imposes seismic safety standards for unreinforced masonry buildings; substantial-alteration triggers current code-compliance obligations.

4

Schiavi v. White Habitability Duty — Oregon courts recognize that owners have a duty to maintain commercial premises in habitable and usable condition.

5

Brownfield Remediation + Orphan Site Cost-Recovery — Oregon's Brownfield Remediation framework provides cost-recovery protection on properties where contamination migrates from adjacent ownership.

6

Oregon Environmental Disclosure — Property owners must disclose environmental conditions to prospective tenants and purchasers under Oregon's commercial-property disclosure framework.

Regulatory Deep Dive

Oregon Commercial Landlord Regulatory Environment

How Oregon commercial landlord-tenant law shapes building owner coverage — and the modern tenant-mix exposures generic policies miss.

Regulatory Environment

Oregon Commercial Landlord-Tenant Laws

Oregon building owner insurance underwriting runs against a statutory framework where seismic exposure and DEQ environmental strict-liability stack on top of standard commercial-property risk. The Cascadia Subduction Zone creates Oregon-specific seismic exposure unmatched east of the Cascade Range; older unreinforced masonry buildings concentrated in Portland Downtown and Pearl District carry high vulnerability, and Portland's URM retrofit deadline (extended to 2032) creates substantial-alteration triggers that activate current seismic-code compliance obligations during renovation. Schiavi v. White established that Oregon owners have a duty to maintain commercial premises in habitable and usable condition — relevant when post-event structural concern prompts tenant termination threats. Oregon's Cleanup and Removal of Hazardous Substances framework establishes strict liability for current owners regardless of who caused the contamination; Oregon DEQ can require cleanup orders regardless of fault, and Oregon's commercial-property disclosure framework mandates environmental-condition disclosure to prospective tenants and purchasers. The state's Brownfield Remediation framework provides orphan-site cost-recovery protection where contamination migrates from adjacent property ownership — relevant on Beaverton tech-corridor industrial properties adjacent to historical electronics-assembly operations. ADA accessibility claims on older Portland downtown stock add another claim category. Building owner insurance programs that fail to underwrite against this stacked framework — pollution exclusion sized to generic risk, seismic coverage without URM-specific reinstatement terms, accessibility coverage without older-stock severity adjustment — surface coverage gaps at claim time that Oregon's standard commercial-line renewal cycle never made room for.

Modern Exposures

Modern Coverage Needs in Oregon

Modern building owner coverage for Oregon building owners requires four endorsement layers that the standard renewal cycle doesn't surface: (1) seismic reinstatement coverage with code-compliance allocation — direct earthquake damage is standard, but code-compliance retrofit costs (the $340K range that surfaces during partial-loss rebuilds requiring current seismic-code compliance on URM buildings) require specific endorsement language, (2) pollution liability coverage scoped against Oregon DEQ strict-liability exposure for legacy contamination, including coverage triggers for orphan-site contamination migration from adjacent property ownership on Beaverton and Hillsboro tech-corridor industrial properties, (3) loss-of-rents coverage with extended period of restoration sized to Portland's tight-market re-leasing reality (45-75 day turn typical, 120+ days for specialty space — significantly longer than standard commercial-line program defaults), and (4) ADA accessibility coverage sized to older-Portland-stock severity patterns, including defense-cost coverage for path-of-travel claims on Pearl District and Lloyd District converted-loft and pre-1990 office inventory. Building owners working with full-service review approach get the lease language read line by line, the Phase 1 ESA pulled and reviewed against historical-tenant operations, the building's seismic status assessed (URM, older steel-frame, or modern code-compliant), the additional-insured endorsement wording verified against tenant insurance schedules, and the waiver-of-recovery provisions examined for tenant-side bodily-injury coverage extension. Building owners who carry forward generic commercial-line programs at Oregon exposure pricing pay more than the policy actually delivers when claim time surfaces gaps the renewal cycle never re-audited.

🛡️ Lender Schedule + Lease COI Compliance

Building Owner Governance in Oregon

How Oregon commercial landlords actually meet their lender insurance schedule, lease-required additional-insured wording, and tenant COI compliance obligations.

Oregon building owner program governance runs heaviest on seismic exposure and code-compliance retrofit allocation — particularly across Portland Downtown and Pearl District URM stock approaching the 2032 retrofit deadline. The most common operational gap we surface: building owner programs that cover direct earthquake damage but exclude or sub-limit code-compliance retrofit costs, creating $200K-$400K out-of-pocket exposure when partial-loss events trigger substantial-alteration code compliance. Phase 1 ESA documentation that doesn't surface adjacent-property contamination migration creates a second operational gap on Beaverton tech-corridor industrial properties — orphan-site cost-recovery protection under the Brownfield Remediation framework requires proactive documentation. Lender insurance schedule compliance on Portland CMBS-financed properties tightens further around loss-of-rents minimums and seismic-reinstatement scope.

📈 Cost Factors

What Affects Commercial Landlord Insurance Costs in Oregon?

Understanding what drives your premium helps you make smarter coverage decisions and control costs.

Property Value + Replacement Cost Reality

Oregon building owners must size replacement cost to actual Portland labor markets, which run premium relative to national averages but tighter than Seattle metro pricing. Pearl District converted-loft and historic-brick restoration carries specialty-trade premium pricing. Beaverton and Hillsboro tech-corridor industrial construction sits between Portland urban and national baselines. Bend tourism-corridor mixed-use carries seasonal-labor cost volatility. Coastal Astoria and Tillamook face premium pricing on saltwater-corrosion-resistant materials. Periodic appraisal updates (every 3-5 years) keep replacement-cost values aligned — generic regional averaging routinely underprices Oregon replacement cost by 15-25%.

Building Age + Structural/Seismic/Code Classification

Oregon building age compounds with Cascadia seismic exposure to drive heavy code-upgrade obligations. Unreinforced masonry stock concentrated in Portland Downtown and Pearl District carries the heaviest seismic-retrofit exposure — the URM retrofit deadline extends to 2032, but substantial-alteration triggers (renovation, partial-loss rebuild) activate current seismic-code compliance obligations immediately. Pre-1990 Lloyd District mid-rise and Beaverton tech-corridor industrial stock carries code-upgrade exposure on electrical, plumbing, accessibility, and fire-suppression upgrades during partial-loss restoration. Bend tourism-corridor mixed-use and coastal stock add their own building-age and code-classification considerations. Older masonry concentrated in Portland's historic districts carries the highest cost weighting.

Occupancy Type + Tenant Mix Risk Profile

Oregon tenant-mix risk varies sharply by submarket. Portland Class A office (legal, financial, creative agency tenants) drives high tenant-fit-out specificity and extended re-occupancy timelines during partial-loss restoration. Pearl District converted-loft mixed-use carries creative-agency and tech-tenant fit-out complexity. Beaverton tech-corridor tenants (semiconductor-adjacent, R&D, hardware distribution) add chemical-storage, equipment-density, and backup-power-dependence exposure. Bend tourism-corridor retail and mixed-use carries seasonal occupancy volatility. Salem state-capitol-adjacent professional services and Eugene University-anchored retail sit cleaner. Single-tenant suburban office sits cleanest; Pearl District converted-loft and Beaverton tech-corridor industrial carry the heaviest carrier-appetite cost weighting.

Location-Specific Natural Hazard Exposure

Oregon natural-hazard exposure is the most diverse in IS365's footprint. Cascadia Subduction Zone earthquake creates Oregon-specific seismic exposure unmatched east of the Cascade Range — older unreinforced masonry buildings concentrated in Portland carry high vulnerability. Cascade-range wildfire-WUI tightened reinsurance treaty terms across Bend, southern Oregon, and the Cascades interface zones. Willamette Valley flood-plain exposure runs heavy on Beaverton and Hillsboro corridor properties. Pacific-coastal Tillamook and Astoria face nor'easter windstorm, tidal flooding, and saltwater-corrosion exposure. Each hazard category drives carrier appetite, deductible structure, and tower-sizing differentiation across Oregon submarkets — particularly post-2024 reinsurance treaty tightening.

Lease-Aligned Coverage Requirements + Lender Schedule Compliance

Oregon CMBS-financed and bank-portfolio commercial properties carry lender insurance schedule requirements that exceed standard commercial-line program defaults — particularly on Portland Class A office (financial and legal tenant lease specifics), Pearl District converted-loft (lender-specific seismic-reinstatement scope), and Beaverton tech-corridor industrial (tech-tenant insurance schedule cycles). Lease language drives additional-insured endorsement requirements; primary-and-non-contributory wording surfaces as the most common gap on tenant COIs. DEQ environmental disclosure obligations layered on top of lender specs create dual compliance complexity on Beaverton tech-corridor and any property with adjacent-industrial-tenant migration potential under the orphan-site framework.

Claims History (Last 5 Years)

Oregon building owner claims history runs through underwriting alongside Cascadia event contingency reality. A clean 5-year loss history sits differently in carrier appetite than a history with Schiavi-related habitability claims, water-intrusion mold, or DEQ environmental discovery. Cascadia-aftermath underwriting would shift dramatically following any significant seismic event — carriers price post-event contingency into Oregon programs even absent recent claim history. Ninth Circuit ADA Title III claim history factors into accessibility coverage scope on older Portland downtown stock. Wildfire-WUI claim history on Bend and Cascade-range properties drives carrier-appetite differentiation distinct from California-coastal patterns.

Local

Cities We Serve in Oregon

We write LRO insurance for commercial landlords across Oregon, including these major metro areas.

Portland, ORSalem, OREugene, ORBend, ORBeaverton, ORHillsboro, ORMedford, ORLake Oswego, OR

Nearby

Commercial Landlord Insurance in Nearby States

We also write LRO insurance for commercial landlords in these neighboring states.

OregonCaliforniaWashingtonIdahoNevada

National Footprint

LRO States We Serve

We write commercial landlord insurance across our 29-state licensed footprint.

ArizonaCaliforniaColoradoDelawareGeorgiaIdahoIllinoisIowaMarylandMichiganMinnesotaMissouriMontanaNevadaNew JerseyNorth CarolinaOhioOklahomaOregonPennsylvaniaSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaWashingtonWisconsinWyoming

Cross-Hub

Other Oregon Commercial Insurance

We also specialize in these commercial insurance programs for Oregon businesses.

All Oregon Insurance

Overview of all commercial insurance options in Oregon.

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General liability, workers' comp, and commercial auto for contractors.

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Restaurant Insurance

Liquor liability, property, and workers' comp for food service businesses.

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HOA Insurance

Master policies, D&O, and fidelity bonds for homeowners associations.

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Cyber Insurance

Data breach response, ransomware, and privacy law coverage.

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