E&S Insurance in Oregon: Classes, Coverage & Quoting Guide

Pathpoint offers 12 Excess and Surplus (E&S) product lines in Oregon covering 183+ class codes, including Contractors, LRO (Lessor's Risk Only), and Monoline Property. 68.6% of submissions receive an instant, bindable quote, typically in about 133 seconds. The platform partners with 18 carriers, handles all Oregon surplus lines compliance automatically with tax calculation at 2.0% and diligent search documentation, and posts an average bound premium of $3,711 across all product lines.

Key Takeaways

  • 12 E&S product lines covering 183+ class codes in Oregon
  • 68.6% of submissions receive instant, bindable quotes in ~133 seconds
  • 18 carrier partners active in Oregon across all product lines
  • Surplus lines tax of 2.0%, calculated and filed automatically at bind
  • Average bound premium of $3,711 across all Oregon product lines

What E&S product lines can I quote in Oregon?

Oregon agents on Pathpoint can currently quote 12 product lines spanning 183+ class codes: Contractors (99 class codes), LRO (Lessor's Risk Only, 19), Vacant Building (3), Contractors Excess (49), Restaurants (14), Vacant Land (2), Manufacturing (15), Retail & Services (16), Churches (2), and LRO Excess (10). Contractors leads bind volume with 93 bound policies in the trailing 12 months, followed by LRO (54) and Monoline Property (35). These three lines carry the strongest appetite in the state, covering classes like remodeling contractors, apartment buildings, and lessor's risk on bank, office, and mercantile buildings.

Of the 12 product lines, 11 (91.7%) are instant-quotable, meaning Pathpoint returns a bindable quote without manual underwriting review. Churches is the sole referred line, with quotes typically returned within about 20.1 hours by Pathpoint's brokerage team. At the account level, across every product line combined, 68.6% of all Oregon submissions clear automated underwriting for an instant quote, with the remainder routed to that same 20.1-hour median turnaround for manual placement.

Full class list · Ranked by bind volume
#ProductClass CodesTop ClassesQuote TypeAppetite
1Contractors99Remodeling Contractor; Contractors–Subcontracted Work (1–2 Family Dwellings); Carpentry–Residential ≤3 Stories; Excavation; Carpentry–Interior⚡ InstantStrong
2LRO19Apartment Buildings–Garden; Buildings/Premises–Bank/Office/Mercantile/Mfg LRO; Apartment Buildings; Buildings/Premises Maintained by Insured LRO; Dwellings–Two-Family LRO⚡ InstantStrong
3Monoline PropertyN/AApartment Buildings–Garden; Restaurants w/ Alcohol <30%; Restaurants w/ Alcohol 30–75%; Restaurants w/ Alcohol 75%+ Bar Only; Apartment Buildings⚡ InstantActive
4Vacant Building3Vacant Buildings–Not Factories; Vacant Buildings–Not-For-Profit⚡ InstantActive
5Contractors Excess49Contractors–Subcontracted Work (Buildings); Carpentry Residential ≤3 Stories; Contractors–Executive Supervisors; Contractors–Subcontracted (1–2 Family); Electrical Work Within Buildings⚡ InstantActive
6Restaurants14Restaurants w/ Alcohol 75%+ w/ Tables; Restaurants No Alcohol No Table Service; Restaurants w/ Alcohol 30–75%; Restaurants w/ Alcohol 75%+ Bar Only⚡ InstantStrong
7Vacant Land2Vacant Land–Other Than Not-For-Profit⚡ InstantActive
8Manufacturing15Beer/Ale/Malt Liquor Mfg; Candle Mfg; Clothing Mfg; Cosmetics Mfg; Liquor Mfg⚡ InstantActive
9Retail & Services16Convenience Stores–No Gas/Car Wash/Restaurant⚡ InstantActive
10Churches2Churches or Other Houses of Worship↗ ReferredActive
11LRO Excess10N/A — no binds in window⚡ InstantActive
12CyberN/AN/A — no binds in window⚡ InstantActive

How fast can I get an E&S quote in Oregon?

68.6% of Oregon account submissions receive an instant, bindable quote. The median turnaround for those instant quotes is about 133 seconds, just over two minutes from submission to a quote an agent can act on. That speed lets an agent submit a risk, review pricing, bind, and receive policy documents in a single working session without waiting on manual underwriting. The platform routes each submission to every eligible carrier at once, so agents often see more than one competitive quote come back.

For the remaining Oregon submissions, referral to Pathpoint's brokerage team takes a median of about 20.1 hours to resolve. Referred submissions follow the same single workflow as instant ones. The agent submits the risk once, tracks status on the platform, and receives the quote without switching tools or re-entering information anywhere else. The only difference between an instant and a referred submission is turnaround time, not the process the agent follows or the support available along the way.

Which carriers are available in Oregon?

18 carriers quoted Oregon risks on Pathpoint in the trailing 12 months: AU Gold, At-Bay, Ategrity, Ategrity SMB, Baleen Specialty, Centrex, Crum & Forster, Crum & Forster SMB, Kinsale, LIO, MUSIC, Markel, Nautilus, Penn-America, The Hartford, Vave, West Congress, and Westchester. The platform evaluates each submission against carrier appetite by class code, location, risk size, and loss history, routing simultaneously to every eligible carrier so agents see competing options rather than a single quote.

That carrier panel supports coverage across all 12 Oregon product lines, from high-volume Contractors (99 class codes) down to smaller lines like Vacant Building (3 class codes) and Vacant Land (2). When more than one carrier is eligible for a submission, Pathpoint returns multiple competing quotes so agents can compare pricing and terms before binding rather than working a single offer. Pathpoint continues to add carrier relationships in Oregon, particularly for LRO Excess and Cyber, where no bound policies have been recorded yet in the trailing 12 months.

Where is Pathpoint's appetite strongest in Oregon?

Pathpoint sorts Oregon product lines into three appetite tiers based on account-level quote rate. Three lines carry the strong, or high, tier at 75% or more: Contractors, LRO, and Restaurants. LRO leads with a 90.9% account quote rate, followed by Restaurants at 90.0% and Contractors at 82.8%. These lines see the highest bind rates and the most competitive carrier pricing in the state, since carrier appetite lines up closely with the risks Oregon agents are actually submitting.

Nine lines sit in the active, or mid, tier, with account quote rates between 40% and 75%: Monoline Property, Vacant Building, Contractors Excess, Vacant Land, Manufacturing, Retail & Services, Churches, LRO Excess, and Cyber. These lines still bind regularly, though a larger share of submissions are declined or referred for additional underwriting. No Oregon product lines fall into the emerging tier below 40% in the current window, and Pathpoint continues to add carrier capacity across the mid tier.

What are the surplus lines requirements in Oregon?

Oregon's surplus lines tax rate is 2.0%, applied automatically at checkout on every bound policy. Oregon has no stamping office, so there is no separate stamping fee or additional filing step for agents to manage. Pathpoint files all required surplus lines documentation electronically as part of binding, so agents do not need to submit anything themselves after the quote is bound. A separate fire marshal assessment applies to certain Oregon property lines outside the standard 2.0% surplus lines tax, and Pathpoint accounts for it automatically wherever it applies.

Oregon's diligent search requirement varies by class code and export list rather than a single fixed declination count, and the current standard should be confirmed with Oregon DOI before a risk is placed in the surplus lines market. Pathpoint automates diligent search documentation for every submission regardless of that variability, generating and retaining the required records at the point of bind. Filing follows the federal Nonadmitted and Reinsurance Reform Act (NRRA) home state rule, so Oregon's requirements apply whenever Oregon is the insured's home state, not the location of the risk itself.

Surplus Lines Tax
2.0%
Stamping Office
None
Diligent Search
Unknown (verify with Oregon DOI)
Filing Method
Home state

How does quoting E&S on Pathpoint work in Oregon?

Quoting E&S in Oregon on Pathpoint follows four steps. First, submit the risk by entering the insured's information, class code, and coverage parameters. Second, receive a quote: 68.6% of Oregon submissions return an instant, bindable result in a median of about 133 seconds as the platform routes to every eligible carrier, while the rest are referred to Pathpoint's brokerage team and typically resolve within about 20.1 hours. Third, order the bind. Pathpoint handles all surplus lines filings electronically since Oregon has no stamping office, and calculates the 2.0% Oregon tax automatically. Fourth, policy documents are issued and delivered.

No Oregon surplus lines license is required to use Pathpoint. Pathpoint acts as broker of record on every placement, carrying the licensing obligations so retail agents can access the E&S market through a standard retail appointment. Agents earn standard retail commission on bound business. There is no cost to create an account, submit a risk, or receive a quote, whether the submission ends up instant-quoted or referred.

What does E&S insurance cost in Oregon?

The average bound premium across all Oregon E&S product lines on Pathpoint is $3,711 in the trailing 12 months. Premiums vary by product line and risk characteristics. The three highest-volume lines break down as follows: Contractors averages $2,500 (25th to 75th percentile range: $822 to $2,600), LRO averages $4,305 ($1,307 to $6,172), and Monoline Property averages $6,408 ($2,786 to $6,854). Class code, coverage limits, building age, loss history, and location all influence final pricing.

E&S premiums tend to run higher than admitted market rates because surplus lines carriers take on risks that standard markets decline, including harder occupancies, unusual construction, prior losses, or atypical coverage needs. Pathpoint's multi-carrier platform helps counterbalance that by surfacing competing quotes from all 18 active Oregon carriers in a single submission. Exact premium figures are generated at the quote stage with no obligation to bind.

There is no fee to access Pathpoint or submit risks. Agents earn standard retail commission on bound policies. Oregon's 2.0% surplus lines tax is calculated automatically at checkout and shown as a line item before bind, so agents and insureds see the full cost before committing.

Frequently Asked Questions: E&S Insurance in Oregon

Pathpoint supports 12 E&S product lines in Oregon covering 183+ class codes: Contractors, LRO, Monoline Property, Contractors Excess, Restaurants, Manufacturing, Retail & Services, Vacant Building, Vacant Land, Churches, LRO Excess, and Cyber. 11 of the 12 lines (91.7%) are instant-quotable at the product level, and Churches is the only referred line. At the account level, 68.6% of all Oregon submissions across every product line receive an instant, bindable quote, typically in about 133 seconds.
Oregon's surplus lines tax rate is 2.0% of premium. Oregon has no surplus lines stamping office, so there is no separate stamping fee or filing step. Pathpoint calculates the 2.0% tax automatically at checkout and handles all required surplus lines documentation electronically as part of binding. A separate fire marshal assessment applies to certain Oregon property lines, which Pathpoint also accounts for automatically. The tax appears as a line item before bind and is passed through to the insured.
68.6% of Oregon submissions receive an instant, bindable quote, typically in a median of about 133 seconds. The platform routes each submission to every eligible carrier at once, so agents often see multiple competing quotes. For the remaining submissions, Pathpoint's brokerage team handles manual placement and typically returns a quote within about 20.1 hours. The agent workflow is the same either way: submit once, then wait for results.
No. Pathpoint serves as the licensed surplus lines broker of record on all Oregon transactions. Retail agents access the E&S market through a standard retail appointment with Pathpoint, with no separate surplus lines license required. Agents earn standard retail commission on bound policies. There is no fee to create an account or submit risks. Pathpoint carries all licensing obligations and handles compliance filings so retail agents can focus on placing business.
18 carriers actively quoted Oregon risks on Pathpoint in the trailing 12 months, including AU Gold, At-Bay, Ategrity, Baleen Specialty, Crum & Forster, Kinsale, Markel, Nautilus, The Hartford, Vave, and Westchester, among others. The platform routes each submission to every carrier whose appetite matches the class code, location, and risk profile, so most Oregon submissions see multiple competing quotes. Carrier relationships continue to expand as the Oregon book grows.
In Oregon, Churches is the one product line that is referred rather than instant-quoted at the product level, with Pathpoint's brokerage team resolving those submissions in a median of about 20.1 hours. Individual submissions in any other product line can also be flagged for manual review, based on factors like unusual class codes, prior losses, or coverage requests outside carrier appetite rules. When that happens, the brokerage team shops the risk across the carrier panel and returns a quote on that same 20.1-hour median timeline. The agent does not need to resubmit or contact carriers directly.
The average bound premium across all Oregon E&S product lines on Pathpoint is $3,711. By product line: Contractors averages $2,500 (typical range $822 to $2,600), LRO averages $4,305 ($1,307 to $6,172), and Monoline Property averages $6,408 ($2,786 to $6,854). Actual premiums depend on class code, coverage limits, location, building characteristics, and loss history. There is no cost to submit. Exact pricing is generated at the quote stage with no obligation to bind.
Pathpoint automates all surplus lines compliance for Oregon transactions. At bind, the platform calculates the 2.0% surplus lines tax, accounts for the separate fire marshal assessment that applies to certain property lines, generates the required diligent search documentation, and files all regulatory paperwork electronically. Oregon has no stamping office, so there is no additional filing step or fee beyond the state tax. Filing follows the federal Nonadmitted and Reinsurance Reform Act (NRRA) home state rule. Retail agents do not need to track or submit any compliance documents themselves.
FAQs