$500 – $5,000/yr

Covers bodily injury and property damage claims from third parties. Required by most commercial leases and contracts. Most small businesses need at least $1M per occurrence. Higher-risk industries and larger operations can see premiums well above $5,000 annually.

$800 – $10,000/yr

Bundles general liability and commercial property into one policy at a discounted rate. Ideal for small to mid-sized businesses with a physical location. Includes business interruption coverage. Larger businesses or those in higher-risk categories pay toward the upper end of this range.

$1,000 – $25,000+/yr

Required in Oregon for most employers with one or more employees. Cost varies significantly by industry — office-based businesses pay far less than construction, logging, or manufacturing operations. Large crews or high-hazard work can push premiums well above $25,000 annually.

$1,200 – $15,000+/yr

Required for vehicles used in business operations. Personal auto policies exclude business use. Cost depends on vehicle type, number of vehicles, and driver records. Fleets, heavy equipment, and specialty vehicles drive premiums higher.

$800 – $10,000+/yr

Covers claims of professional negligence, errors, or omissions. Essential for consultants, contractors, real estate agents, and any business providing professional services. Higher limits and higher-risk professions (medical, legal, financial) push costs significantly higher.

$600 – $15,000+/yr

Covers data breaches, ransomware attacks, and cyber incidents. Increasingly important for any business that stores customer data or processes payments. Oregon has strict data breach notification laws. Larger businesses with significant data exposure or prior incidents pay toward the upper range.

$1,000 – $25,000+/yr

Covers your building, equipment, inventory, and business personal property. Rates vary widely based on location, construction type, and wildfire or flood exposure. Central Oregon commercial properties in wildfire zones face the highest premiums — and some carriers are restricting new business in high-risk areas.

$500 – $5,000+/yr

Provides an additional layer of liability coverage above your underlying policies. A $1M umbrella is often very affordable for small businesses. Larger limits ($5M–$25M) for higher-exposure businesses cost proportionally more but provide critical protection against catastrophic claims.

$25,000 – $100,000+/yr

Larger Oregon businesses — manufacturers, contractors with large crews, multi-location retailers, hospitality groups, and agricultural operations — often carry comprehensive commercial programs combining multiple coverages. Total annual insurance spend of $25,000 to $100,000 or more is common for these operations.