The CCB requires a $20,000 surety bond for all licensed contractors in Oregon. With good credit (660+), you’ll typically pay $200–$600 per year. Contractors with challenged credit (below 600) can expect $1,000–$3,000 annually. We work with contractors at all credit levels and can often find rates below standard market pricing through our carrier network.
Oregon Surety Bonds
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It’s easy with our simple 3-step process:
- Apply Online
- Get Quote
- Receive Bond
Oregon contractors, auto dealers, mortgage originators, and other businesses need a surety bond before they can legally operate. The surety bond Oregon’s CCB requires for contractors alone covers over 40,000 licensed businesses in the state. We issue most bonds the same day — get a free quote online or call us now.
Most Common Oregon Surety Bonds
Oregon’s most frequently requested bond types:
|
Bond Type |
Who Needs It |
Required By |
Bond Amount |
Surety Bond Price Range |
| CCB Contractor Bond | Licensed contractors | Oregon CCB | Varies by endorsement: $15,000–$80,000 (official source) | Starts around $100/year; roughly $100–$8,000/year depending on endorsement and credit |
| Auto Dealer Bond | Vehicle dealers in Oregon | OR Dept. of Transportation (DMV) | Standard vehicle dealer: $50,000; motorcycle/moped/Class I ATV/snowmobile-only dealer: $10,000 (official source) | Standard $50,000 bond typically about $500–$5,000/year; special $10,000 bond is $100 |
| Mortgage Loan Originator Bond | MLOs must have bond coverage; if they work for an Oregon-licensed mortgage company, they are usually covered by the company bond | OR Division of Financial Regulation | Company bond starts at $50,000 and scales to $200,000 based on Oregon loan volume (official source 1, official source 2) | Typically about 0.75%–3% of bond amount; roughly $375–$6,000/year depending on bond size and credit |
| Collection Agency Bond | Licensed collection agencies | OR Division of Financial Regulation | $10,000 for most applicants; $15,000 for certain out-of-state applicants with no Oregon location or trust account (official source) | $100 for a $10,000 bond; from $150 for a $15,000 bond with strong credit |
Oregon also requires bonds for travel agents, money transmitters, and other regulated businesses. Don’t see your bond type? Call us and we’ll look it up.
costs
How Much Does a Surety Bond Cost in Oregon?
Bond cost is a premium — a percentage of the required bond amount. The Oregon CCB contractor bond is set at $20,000; with good credit, most contractors pay $200–$600 per year. Your rate depends on credit score, bond type, and bond amount.
| Credit Score | Premium Rate | Example: $20,000 Bond |
|---|---|---|
| Excellent (720+) | 1%–2% | $200–$400/year |
| Good (660–719) | 2%–3% | $400–$600/year |
| Fair (600–659) | 3%–5% | $600–$1,000/year |
| Challenged (<600) | 5%–15% | $1,000–$3,000/year |
Bid, performance, and payment bonds for construction projects are priced based on project scope and financials — contact us for a quote.
Oregon Surety Bond Requirements: What the CCB and State Regulators Require
Oregon bond requirements vary by profession and licensing authority:
- Oregon CCB — requires a $20,000 contractor bond for all licensed contractors in the state. Current requirements at oregon.gov/ccb.
- OR Division of Financial Regulation — requires bonds for mortgage originators ($50,000) and collection agencies ($10,000).
- Renewal — Oregon CCB contractor bonds renew every two years with your license. Most other license bonds renew annually.
- Cancellation — Oregon requires 30 days advance notice before a bond can be cancelled. The licensing agency must be notified.
- Lapse consequence — a lapsed CCB bond means your contractor license is immediately suspended. The CCB actively monitors bond status.
step by step guide
How to Get a Surety Bond in Oregon
-
Choose Your Bond Type
Select the bond you need — commercial, contract, or any specialized bond. We help you find exactly what is required in your state.
-
Submit a Quick Application
Complete a short online form. It only takes a few minutes, with no extra paperwork or long verification steps.
-
Get Approved & Receive Your Bond
Get fast approval and receive your bond instantly by email. Your document is ready to use right away.
Most Oregon license bonds are ready the same day you apply.
- Confirm your bond type and amount — check your CCB or agency license application.
- Apply online or by phone — soft credit pull, no score impact, takes five minutes.
- Review your quote — we compare rates across multiple top-rated carriers.
- Pay and get your bond — electronic delivery, same business day for standard license bonds.
- File with the obligee — submit to your licensing agency; we confirm the format required.
faq
Oregon Surety Bond FAQ
How much does the Oregon CCB contractor bond cost?
How long is the Oregon CCB contractor bond valid?
The Oregon CCB contractor bond term matches your license renewal cycle — typically two years. Most other Oregon license bonds renew annually. We send renewal notices in advance and can handle the renewal automatically so your coverage never lapses.
Can I get an Oregon surety bond with a prior bankruptcy?
Yes. A bankruptcy on your record doesn’t disqualify you — it affects your rate. Most applicants with recent bankruptcies qualify at 7%–15% of the bond amount through specialty surety programs. For a $20,000 CCB bond, that’s $1,400–$3,000 per year. Call us and we’ll match you with the right carrier.
What happens if my Oregon contractor bond lapses?
The CCB suspends your contractor license immediately when your bond expires without renewal. You can’t legally contract or advertise until a new bond is filed and confirmed. The CCB monitors bond status actively. Set a renewal reminder 60 days before your bond’s expiration date — or let us handle it automatically.
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- Choose your state
- Choose the bond type you need
- Apply online to request a free quote
There’s no obligation, and we can often help you get bonded in 24 hours or less.
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