Santana Insurance provides insurance for construction companies and contractors throughout Oregon, including Salem and Keizer. Whether you're a general contractor overseeing a full build or a specialty tradesperson running a two-member crew, construction work carries risks that standard business policies aren't designed to handle. Besides jobsite accidents, there's third-party property damage, tool and equipment loss, and subcontractor liability. We build coverage around the realities of your trade, not a generic template.
Whether you're a solo contractor bidding your first commercial job or managing a multi-crew operation across multiple job sites, we offer construction business insurance built around the size and scope of your work.
Don't see your trade? Contact us and we'll still find the right fit.
The types of construction insurance your business needs will depend on your trade, your project size, and whether you employ a crew.
General liability insurance protects your construction business if a third party, like a property owner or even a bystander, claims bodily injury or property damage tied to your work. For most Oregon contractors, it's the foundational policy and often it's required before a project can begin.
If one of your employees is injured on the job, workers' compensation covers their medical expenses and lost wages. Oregon requires most employers with at least one employee to carry it, and for construction crews working in physically demanding conditions, it's not a coverage to leave to chance.
Builder's risk insurance covers structures while they're under construction, making it a time-limited policy tied to the life of a specific project. Inland marine extends that logic to materials, equipment, and tools in transit or temporarily stored off-site.
Your tools are how you make your living. Tools and equipment insurance covers the cost of repairing or replacing gear that's stolen, damaged, or lost, whether it's on the job site, in your truck, or in storage. Standard commercial property policies often won't cover equipment away from a fixed location.
If your business owns or operates vehicles, personal auto insurance won't cover them for business use. Commercial auto protects your vehicles, your drivers, and your liability on the road.
Professional liability insurance covers claims that your work, advice, or designs caused a client a financial loss. It's increasingly relevant for design-build contractors, project managers, and specialty trades where professional judgment is part of the scope.
An umbrella policy extends the limits of your underlying liability coverage when a claim exceeds those policy limits. For contractors working on larger projects or higher-risk job sites, it's an efficient way to add substantial protection without restructuring your entire coverage package.
We're not captive to any single carrier, which means we can shop your construction contractor insurance across multiple top-rated insurers. That competition works in your favor: better rates, better terms, and coverage actually matched to your trade.
Our agents are licensed in Oregon and familiar with state contractor licensing requirements, CCB compliance, and the coverage thresholds that public agencies and general contractors commonly require.
From a one-person painting operation to a general contractor managing subcontractors on a multi-phase commercial build, we write policies that fit the actual scale of your business. You're not paying for coverage built for a company twice your size.
Many Oregon general contractors and project owners require a Certificate of Insurance before work can begin. We prioritize fast COI turnaround so your coverage is never the reason a job gets delayed.
Tell us your trade type, crew size, and the kinds of projects you typically take on.
A licensed agent reviews quotes across multiple carriers to find the right coverage at the best available rate for your operation.
Once you choose your policy, we issue your coverage and get your Certificate of Insurance in your hands quickly. Many contractors need proof of insurance before a project begins. We prioritize fast turnaround so coverage delays never hold up your work.
"They look for the best rates for the maximum coverage. They provide great service and always answer the phone."
"Fantastic. The best experience I've ever had with a commercial insurance agency in my 20 years running my own business."
"They have not only saved me some money but made sure my business is 100% covered. That is peace of mind."
Common questions from Oregon contractors about coverage requirements, costs, and what construction insurance actually covers.
Call NowOperating a construction business in Oregon without the right coverage puts your projects, crew, and license at risk. Our licensed agents in Salem are ready to build a policy that fits your trade.