Restaurant Insurance in Oregon: 2026 Cost Guide

How Much Does Restaurant Insurance Cost in Oregon?

Restaurant insurance in Oregon averages $135 per month for general liability coverage alone. A comprehensive insurance package — including general liability, commercial property, and workers' compensation — typically runs between $1,872–$3,202 per year for a typical full-service restaurant.

Here's what you can expect to pay for individual coverage types in Oregon:

These figures are based on a typical full-service restaurant with 10-20 employees and $500,000–$1,500,000 in annual revenue. Your actual costs will depend on your specific location within Oregon, claims history, employee count, and coverage limits.

Oregon-Specific Insurance Requirements

Oregon requires $300,000 minimum in liquor liability insurance or a bond for alcohol-serving establishments—one of only a few states with this specific mandate. The state's craft beer and wine culture creates a thriving but liability-intensive restaurant bar scene. Wildfire smoke from surrounding forests has become an annual concern affecting outdoor dining operations. SAIF Corporation is the state's competitive workers' comp fund.

Required Coverages in Oregon

• General Liability
• Workers' Compensation (all employees)
• Liquor Liability ($300K minimum or bond)

Recommended Additional Coverages

• Commercial Property
• Business Interruption
• Wildfire Coverage
• Umbrella/Excess Liability

Oregon Risk Factors That Affect Insurance Costs

Oregon's growing wildfire risk—particularly in southern Oregon and the Cascades corridor—has increased property insurance costs and created business interruption risks from smoke.

Portland's extremely competitive restaurant scene has higher-than-average liability exposure and property costs.

Oregon's $14.70/hr minimum wage ($15.95 in Portland metro) increases workers' comp premiums relative to many Western states.

Best Restaurant Insurance Companies in Oregon

We've identified the top insurance providers serving Oregon restaurants. Simply Business is our top pick for most Oregon restaurants based on coverage options, pricing, and customer satisfaction.

Workers' Compensation Rules in Oregon

Oregon requires workers' comp for all employers. SAIF Corporation is the state's competitive insurance fund.