Coverage line

A raised drawbridge breaks the route between two trading ports.Illustration for The General Average

What Contract Frustration Insurance Requirements Apply in Oregon?

Business Oregon runs export-assistance programs, including the Oregon Trade Promotion Program and STEP, to help small businesses enter or grow in foreign markets. Confirm which program is active for your transaction before assuming a cost is reimbursable. Ask your broker to name the covered contracts, political triggers, waiting periods, and loss measures before you sign.

What Is Contract Frustration Insurance?

Contract frustration may fit your business when an international contract is exposed to political disruption or government action. If your main risk is a customer who cannot pay, compare trade-credit coverage instead. Read the national Contract frustration guide.

What to Watch for With Contract Frustration in Oregon

Use State Export Support for Market Entry
Business Oregon runs export-assistance programs, including the Oregon Trade Promotion Program and STEP, to help small businesses enter or grow in foreign markets. Confirm which program is active for your transaction before assuming a cost is reimbursable. Ask the state program which current activities qualify and whether you need approval before spending. Treat any award as help with the export project, not as payment for a disrupted contract. ¹
Check the Placement Route
Oregon requires a diligent admitted-market search before a surplus-lines placement, subject to its exempt-commercial-purchaser rule. A non-admitted policy also carries a 2% state premium tax plus a 0.3% fire-marshal tax; ask the broker to show both charges and the search record. ²
Schedule the Contract and Trigger
If Business Oregon support helps your firm enter a new market, ask whether policy coverage follows each buyer contract separately or requires advance scheduling of the named agreement. ^1,²

Which Contract Frustration Providers Have Oregon License Records?

No provider in our research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. Check the regulator’s license lookup and confirm availability with a provider when requesting a quote.

Who Regulates Insurance in Oregon?

Oregon Division of Financial Regulation

DFR handles complaints about most insurance lines and provides Oregon license checks for agents, agencies, and insurers. You can use its consumer complaint form if an insurer or agent is not following Oregon law or rules. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint

Surplus-Lines Tax and Stamping Office in Oregon

Reported tax rate. 2% of Oregon-home-state gross premiums, plus 0.3% on premium or fees for fire marshal ^6,^7,^8,⁹

For Oregon-home-state risks, the surplus-lines licensee must collect a 2% tax on gross premiums and a 0.3% fire-marshal tax on premium or fees, in addition to the premium. Oregon requires the policy to warn that losses will not be paid by the state guaranty fund; the exempt-commercial-purchaser search exception requires admitted-market disclosure and a written request.

Surplus Line Association of Oregon

Questions to Ask Before You Buy Contract Frustration in Oregon

Which Oregon export office or program applies to my target market, and must it approve the expense before I incur it?
Will you place this contract-frustration coverage with an admitted insurer or through Oregon surplus lines, and what filing, disclosure, tax, or fee applies?
Which named contracts, government actions, payment interruptions, or blocked transfers trigger the policy, and when does the waiting period start?
Does the policy cover pre-shipment costs, an unpaid post-shipment invoice, or both, and how does it calculate the covered loss?

Contract Frustration Insurance in Oregon: Frequently Asked Questions

What export help can a small business get in Oregon?

What should I check if my Oregon contract-frustration policy is surplus lines?

Oregon requires a diligent admitted-market search before a surplus-lines placement, subject to its exempt-commercial-purchaser rule. A non-admitted policy also carries a 2% state premium tax plus a 0.3% fire-marshal tax; ask the broker to show both charges and the search record. ²

Sources

16 documents, numbered as cited. Open the sources

Sources for Contract Frustration Insurance in Oregon

1
Business Oregon. Export Promotion Program; Export assistance. Accessed 2026-09-29.
2
Oregon Revised Statutes §§ 735.410 and 735.470. Oregon Legislative Assembly; Conditions for procurement; surplus-lines premium taxes. Accessed 2026-09-29.
3
oregon insurance regulator. State insurance regulator; DFR homepage identifies consumer, licensing, and complaint services. Accessed 2026-09-28.
4
DFR Check a License. State insurance regulator; Insurance industry section links Oregon agent, agency, and company license-status search in NAIC SBS. Accessed 2026-09-28.
5
DFR File a Complaint. State insurance regulator; Online insurance complaint form; DFR says it can review whether a company or agent follows Oregon law and rules. Accessed 2026-09-28.
6
Oregon Revised Statutes §735.470. Oregon Legislature; Subsections (1)(a)–(c), (4): 2% on Oregon-home-state gross premiums plus 0.3% of premium or fees for fire marshal; licensee collects taxes in addition to premium. Accessed 2026-09-28.
7
Oregon Revised Statutes §§735.405, 735.410, 735.470. Oregon Legislature; ORS 735.470(1)(a) taxes Oregon-home-state risks; ORS 735.418 authorizes interstate allocation procedures. Accessed 2026-09-28.
8
Surplus Lines Insurance. Oregon Division of Financial Regulation; Page states surplus-lines insurance through a nonlicensed insurer is not protected by the Oregon Insurance Guaranty Association. Accessed 2026-09-28.
9
Oregon Revised Statutes §§735.405, 735.410 and 735.415. Oregon Legislature; 2025 Edition online text: §§735.405(6), 735.410(1)–(2), 735.415(1)(b)–(2); current chapter text includes the ECP definition, diligence rule, disclosure/written-request exception, and policy warning against guaranty fund coverage. Accessed 2026-09-28.
10
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
11
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
12
Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
13
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
14
Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
15
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
16
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

What Contract Frustration Insurance Requirements Apply in Oregon?

What Is Contract Frustration Insurance?

What to Watch for With Contract Frustration in Oregon

Use State Export Support for Market Entry

Check the Placement Route

Schedule the Contract and Trigger