Portland, OR & Vancouver, WA metro
General liability, workers' comp, commercial auto, tools and equipment, and bonding. Tell us what you need, we'll call you back and bring in an agent who has written policies for trades in this market before.
Built for licensed contractors. Free, and no obligation to switch.
Licensed local agents
WA & OR licensed, not a call center
Free, no obligation
Quotes never cost you anything
One agent, not twelve
We don't auction you to bidders
Local to this metro
Portland, OR & Vancouver, WA metro
We speak contractor
L&I and CCB requirements, additional insured endorsements, waivers of subrogation, and the certificate the GC needs before you can start Monday.
Class code accuracy saves real money
Most trades are misclassified somewhere on their policy. Getting the codes right is often a bigger lever than switching carriers.
Certificates without the runaround
When a general contractor or property manager needs a COI before you can start, we flag it as urgent so the agent treats it that way.
Answer a few questions
Under two minutes. No account, no document uploads, no credit check.
We call you back
We go through what you need and match you with one licensed independent agent in your state who handles your type of coverage — not a list of twelve companies that all call you.
They do the shopping
That agent brings you real numbers and explains the tradeoffs. If your current coverage is already the best fit, a good agent tells you so.
Our partner agents are licensed in Washington and Oregon and work with households and businesses across the metro, including Portland, Vancouver, Beaverton, Hillsboro, Gresham, Tigard, Lake Oswego, Camas, Ridgefield, Battle Ground, Salmon Creek, and Longview. Because the two states have genuinely different rules — Oregon requires personal injury protection on auto policies, Washington runs workers' compensation through a state fund rather than private carriers — working with an agent who writes on both sides of the river matters more here than in most markets.
In Washington, registering a contracting business with L&I requires general liability coverage and a surety bond at statutory minimums, and workers' compensation comes through the state fund once you have employees. In Oregon, CCB licensing has its own liability and bond requirements. The minimums keep you licensed; they are frequently well below what a general contractor's contract will demand of you, which is the gap most subs discover the hard way.
Workers' comp prices off payroll times a class-code rate times your experience modifier. The two places money usually hides are misclassified payroll — office or supervisory time rated as field labor — and an experience mod calculated off claims that were closed or reclassified. Both are worth auditing before shopping carriers.
Legally, sole proprietors with no employees can often skip workers' comp, though many general contractors will not let you on a job site without it regardless. General liability is effectively mandatory in practice: it is required for registration, required by nearly every contract, and it is what stands between a damaged client property and your personal assets.
Yes. The agencies we work with write the contractor registration bonds Washington and Oregon require, and can quote larger performance and payment bonds for bid work.
Ready to see your options?
Free, no obligation, and handled by a licensed agent in the Portland, OR & Vancouver, WA metro.
Looking for something else? We also help with all our other coverage types.