Oregon has a tow-specific rule: $750,000 liability per collision plus $50,000 cargo coverage. The state sets no separate on-hook or garagekeepers minimum — the $50,000 cargo functions as in-tow coverage.
Weight / class variation: Registration split at 26,000 lbs combined weight (DMV vs. CCD) does not change insurance amounts
Tow-specific rule. State sets no separate on-hook or garagekeepers minimum; $50,000 cargo functions as in-tow coverage.
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Message us on Messenger Typically responds within 15 minutes during business hours. Prefer to talk now? Call · Text Get a quote for Oregon →Independent-contractor test: Statutory multi-factor, conjunctive — ORS 670.600. Same statute expressly governs WC (ch. 656), UI (ch. 657), tax (ch. 316), and contractor licensing (chs. 671/701). Not the same as BOLI wage/hour, which the state's own IC page says uses a different method.
Not required doesn’t mean not liable: if you don’t carry workers’ comp — even where it isn’t required for you — an injured worker may be able to sue you in court instead of being limited to comp benefits, because the exclusive-remedy shield generally depends on having coverage.
Minimums are the legal floor, not a recommendation — most operators carry more. Your operation (light-duty, heavy-duty, repo, rotation, motor club) decides which coverages fit. Take the coverage quiz →
Rotation is a local contract, not state law. Rotation agreements commonly require auto liability around $1,000,000 CSL, on-hook/cargo $50,000–$100,000, garagekeepers $50,000–$500,000, and the agency named as additional insured — check your agency’s agreement for its exact terms. Rotation readiness checklist →
More tools: state requirements lookup · workers’ comp lookup · coverage quiz · fuel cost calculator · rotation checklist
Informational only — not legal advice and not a quote. Requirements change — confirm the exact limits with your state DOT / public utilities commission and your rotation agreement before you buy. Minimums are the legal floor, not a recommendation — most operators carry more.