Last updated March 20, 2026

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

Pathpoint offers 12 Excess and Surplus (E&S) product lines in Oregon covering 157+ class codes, including Contractors, LRO, and Monoline Property. 68.7% of submissions return an instant, bindable quote in roughly 341 seconds. With 14 active carriers, automated surplus lines tax calculation at 2.3%, and built-in diligent search documentation, the average bound premium across all Oregon product lines is $3,900.

Key Takeaways

12 E&S product lines covering 157+ class codes in Oregon
68.7% of submissions receive instant, bindable quotes in ~341 seconds
14 carrier partners including 12 domestic surplus lines insurers and 2 Lloyd's syndicates
Surplus lines tax of 2.3%, calculated automatically at checkout with no stamping office required
Average bound premium of $3,900 across all Oregon product lines

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

Pathpoint offers 12 Excess and Surplus (E&S) product lines in Oregon covering 157+ class codes. The three highest-volume lines by trailing 12-month bind count are Contractors (83 class codes, 66 binds), LRO or Lessor's Risk Only (10 class codes, 48 binds), and Monoline Property (34 binds). The full lineup also includes Vacant Building (2 class codes), Contractors Excess (32 class codes), Restaurants (4 class codes), Vacant Land (2 class codes), Manufacturing (11 class codes), Retail and Services (1 class code), Monoline Wind, LRO Excess (9 class codes), and Cyber (3 class codes).

Six of the 12 Oregon product lines are instant-quotable: Contractors, LRO, Contractors Excess, Restaurants, Retail and Services, and Cyber. The remaining six lines, including Monoline Property, Vacant Building, Vacant Land, Manufacturing, Monoline Wind, and LRO Excess, are referred to Pathpoint's brokerage team for manual placement. Referred submissions are shopped across the full 14-carrier panel and quotes are typically returned within about 23 hours.

Full class list · Ranked by bind volume

#	Product	Class Codes	Top Classes	Quote Type	Appetite
1	Contractors	83	Remodeling Contractor, Contractors–Subcontracted Work–In Connection with Building Construction, Reconstruction, Repair or Erection–One- or Two-Family Dwellings, Carpentry–Construction of Residential Property Not Exceeding Three Stories in Height, Pressure Washing, Carpentry–Interior	⚡ Instant	Strong
2	LRO	10	Apartment Buildings–Garden, Apartment Buildings, Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Other Than Not-For-Profit, Dwellings–One-Family (Lessor's Risk Only), Dwellings–Four-Family (Lessor's Risk Only)	⚡ Instant	Strong
3	Monoline Property	N/A	N/A	↗ Referred	Emerging
4	Vacant Building	2	Vacant Buildings–Not Factories–Other Than Not-For-Profit, Vacant Buildings–Not Factories–Not-For-Profit Only	↗ Referred	Active
5	Contractors Excess	32	Contractors–Subcontracted Work–In Connection with Construction, Reconstruction, Repair or Erection of Buildings, Electrical Work–within Buildings, Contractors–Subcontracted Work–In Connection with Building Construction, Reconstruction, Repair or Erection–One- or Two-Family Dwellings, Painting–Interior–Buildings or Structures, Carpentry–Construction of Residential Property Not Exceeding Three Stories in Height	⚡ Instant	Active
6	Restaurants	4	Restaurants–with Sale of Alcoholic Beverages that are 75% or More of Total Annual Receipts of the Restaurants–with Tables–without Dance Floor: Table Service, Restaurants–with Sale of Alcoholic Beverages that are 30% or More of But Less Than 75% of the Total Annual Receipts of the Restaurants–without Dance Floor, Restaurants–with No Sale of Alcoholic Beverages–with Table Service, Restaurants–with Sale of Alcoholic Beverages that are Less Than 30% of the Annual Receipts of the Restaurants–with Table Service	⚡ Instant	Strong
6	Vacant Land	2	Vacant Land–Other Than Not-For-Profit, Vacant Land–Not-For-Profit Only	↗ Referred	Active
8	Manufacturing	11	Cosmetics Mfg., Candle Mfg., Clothing Mfg., Beer, Ale or Malt Liquor Mfg.–Not Bottled or Canned, Leather Goods Mfg.	↗ Referred	Active
9	Retail & Services	1	Food Trucks and Trailers – Mobile Concessions	⚡ Instant	Active
9	Monoline Wind	N/A	N/A	↗ Referred	Emerging
11	LRO Excess	9	Apartment Buildings–Garden, Dwellings–One-Family (Lessor's Risk Only), Dwellings–Four-Family (Lessor's Risk Only), Vacation Rentals, Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Other Than Not-For-Profit	↗ Referred	Active
11	Cyber	3	N/A	⚡ Instant	Active

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

68.7% of Oregon account submissions on Pathpoint receive an instant, bindable quote with an average turnaround of about 341 seconds. Agents submit risk information, and the platform routes the submission to multiple carriers simultaneously, returning the best available quote automatically. For Contractors, LRO, Contractors Excess, Restaurants, Retail and Services, and Cyber, agents can submit, quote, bind, and receive policy documents in a single session, with no underwriter interaction required.

The 31.3% of Oregon submissions that do not receive an instant quote are referred to Pathpoint's internal brokerage team. Referred lines include Monoline Property, Vacant Building, Vacant Land, Manufacturing, Monoline Wind, and LRO Excess. Complex risks on otherwise instant-eligible lines may also be referred based on class code, loss history, or coverage needs. Pathpoint's team shops referred risks across all 14 Oregon carriers and returns manual quotes within about 23 hours.

Which carriers are available in Oregon?

14 carriers actively quote Oregon risks through Pathpoint, including 12 domestic surplus lines insurers and 2 Lloyd's of London syndicates. The platform routes submissions simultaneously to multiple carriers based on class code, location, risk size, and loss history, then returns the most competitive available quote. Carrier partners include Crum and Forster, The Hartford, Kinsale, Nautilus, and Westchester, among others. Multi-carrier routing creates pricing competition across all 12 Oregon product lines.

Carrier coverage spans the full Oregon product lineup, from high-volume lines like Contractors (83 class codes) and LRO to emerging lines like Cyber and Monoline Wind. For Contractors and Contractors Excess (32 class codes), multiple carriers typically return competing quotes, which gives agents pricing leverage for their clients. Pathpoint continues to expand carrier relationships in Oregon, particularly for emerging lines where market capacity is growing.

Where is Pathpoint's appetite strongest in Oregon?

Three Oregon product lines carry high appetite, meaning account quote rates at or above 75%: Contractors (80.1%), LRO (90.8%), and Restaurants (90.8%). These lines deliver the most competitive pricing, the widest carrier selection, and the fastest turnaround. Contractors covers 83 class codes from remodeling contractors and residential carpentry to pressure washing and interior finish work. LRO covers apartment buildings, commercial properties, and single-family and four-family Lessor's Risk Only accounts.

Seven product lines are in the mid appetite tier, with account quote rates between 50% and 74%: Contractors Excess, Vacant Building, Vacant Land, Manufacturing, Retail and Services, LRO Excess, and Cyber. Two lines are in the emerging tier: Monoline Property (39.4% quote rate) and Monoline Wind (limited data, 0.0% quote rate). All product lines are fully quotable on Pathpoint. Emerging lines typically have a narrower carrier pool as appetite grows.

What are the surplus lines requirements in Oregon?

Oregon's surplus lines tax rate is 2.3%, applied to all Excess and Surplus lines placements. The state does not maintain a stamping office, so there is no stamping fee beyond the base tax. Pathpoint calculates the 2.3% tax automatically at checkout and applies it as a separate line item. The tax is passed through to the insured, and agents do not need to calculate, track, or remit it separately.

Oregon requires a diligent search, meaning 3 declinations from admitted carriers, before a risk can be placed in the surplus lines market. Pathpoint generates the required diligent search documentation electronically as part of the binding workflow. Oregon follows the home-state filing method under the Nonadmitted and Reinsurance Reform Act (NRRA), which ties the filing obligation to the insured's home state. Pathpoint handles all compliance steps, including diligent search records and tax remittance.

Surplus Lines Tax: 2.3%
Stamping Office: None
Diligent Search: 3 declinations
Filing Method: Home state

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

The Oregon quoting workflow on Pathpoint follows four steps. First, agents submit risk details including class code, location, limits, and underwriting information. Second, Pathpoint routes the submission to its 14 Oregon carriers and returns a bindable quote. 68.7% of Oregon submissions receive an instant quote with average turnaround of about 341 seconds. Referred submissions go to Pathpoint's brokerage team and return within roughly 23 hours. Third, agents bind directly in the platform without phone calls or separate carrier portals, and Oregon's 2.3% surplus lines tax is calculated and applied automatically. Fourth, policy documents are issued and delivered electronically.

No surplus lines license is required to use Pathpoint in Oregon. Pathpoint acts as the licensed surplus lines broker of record and handles all regulatory requirements including tax remittance, diligent search documentation, and home-state filings under NRRA. Agents place coverage on standard retail commission. There is no fee for creating a Pathpoint account or submitting risks, and no obligation to bind any quote.

What does E&S insurance cost in Oregon?

The average bound premium for E&S policies placed through Pathpoint in Oregon is $3,900 across all product lines. By product line: Contractors policies average $2,618, with a P25 to P75 range of $772 to $3,500, consistent with residential and light commercial general liability (GL) placements. LRO averages $4,147, with a typical range of $1,192 to $5,610, reflecting apartment buildings and commercial properties. Monoline Property averages $4,903, with a typical range of $2,755 to $5,809, driven by higher total insured values.

E&S premiums in Oregon are generally higher than admitted market equivalents because surplus lines carriers take on risks that standard carriers decline, including unusual class codes, adverse loss histories, or hard-to-place property types. Pathpoint's 14-carrier panel creates pricing competition by routing submissions to multiple carriers simultaneously and returning the most competitive available quote. Agents see exact pricing at the quote stage with no obligation to bind.

There is no cost to create a Pathpoint account or submit risks in Oregon. Agents earn standard retail commission on bound policies. Oregon's 2.3% surplus lines tax is calculated automatically at checkout, shown as a separate line item, and passed through to the insured.

Frequently Asked Questions: E&S Insurance in Oregon

Pathpoint offers 12 Excess and Surplus (E&S) product lines in Oregon covering 157+ distinct class codes. The lineup includes Contractors (83 class codes), LRO (10 class codes), Monoline Property, Vacant Building (2 class codes), Contractors Excess (32 class codes), Restaurants (4 class codes), Vacant Land (2 class codes), Manufacturing (11 class codes), Retail and Services (1 class code), Monoline Wind, LRO Excess (9 class codes), and Cyber (3 class codes). Six of 12 product lines support instant quoting. The three highest-volume lines by trailing 12-month bind count are Contractors (66 binds), LRO (48 binds), and Monoline Property (34 binds).

Oregon's surplus lines tax rate is 2.3%. The state does not have a stamping office, so there is no additional stamping fee beyond the base tax. Pathpoint calculates the 2.3% tax automatically when you bind a policy and applies it as a separate line item on the total cost of coverage. The tax is passed through to the insured. Agents do not need to track or remit it separately.

68.7% of Oregon submissions on Pathpoint receive an instant, bindable quote with an average turnaround of about 341 seconds. The platform routes your submission to up to 14 carriers simultaneously and returns the best available quote automatically. For submissions referred to Pathpoint's brokerage team, including those on referred product lines like Monoline Property, Vacant Building, and Monoline Wind, manual quotes are typically returned within about 23 hours. Agents bind through the same interface once a quote is ready.

No. Pathpoint acts as the licensed surplus lines broker of record in Oregon, so you do not need your own surplus lines license to place E&S coverage through the platform. Pathpoint handles all regulatory requirements including the 2.3% surplus lines tax, diligent search documentation, and home-state filings under the Nonadmitted and Reinsurance Reform Act (NRRA). Agents earn standard retail commission on bound policies. There is no cost to create an account or submit risks, and no obligation to bind any quote.

Pathpoint works with 14 carriers actively quoting in Oregon, including 12 domestic surplus lines insurers and 2 Lloyd's of London syndicates. Carrier partners include Crum and Forster, The Hartford, Kinsale, Nautilus, and Westchester. The platform routes submissions simultaneously to multiple carriers based on class code, location, risk size, and loss history, then returns the most competitive available quote. Multi-carrier quoting creates pricing competition that benefits agents and their clients.

Six Oregon product lines are processed as referred submissions: Monoline Property, Vacant Building, Vacant Land, Manufacturing, Monoline Wind, and LRO Excess. On instant-eligible lines, individual risks can also be referred for complex class codes, adverse loss history, or unusual coverage needs. In all referred cases, Pathpoint's internal brokerage team reviews the risk, shops it across the full 14-carrier panel, and returns a manual quote within about 23 hours. Agents submit and bind through the same interface regardless of whether the quote is instant or referred.

The average bound E&S premium in Oregon through Pathpoint is $3,900 across all product lines. By product: Contractors averages $2,618 with a typical range of $772 to $3,500, LRO averages $4,147 with a range of $1,192 to $5,610, and Monoline Property averages $4,903 with a range of $2,755 to $5,809. Oregon's 2.3% surplus lines tax is added on top of the quoted premium at checkout. Exact pricing appears at the quote stage with no obligation to bind.

Oregon requires a diligent search, meaning 3 declinations from admitted carriers, before a risk can be placed in the surplus lines market. Pathpoint generates the required diligent search documentation electronically as part of the binding workflow. Agents do not need to obtain or track declinations manually. Oregon follows the home-state filing model under NRRA, and Pathpoint handles all filings and tax remittance so the regulatory burden stays off the agent's plate.