{"id":6980,"date":"2026-06-04T16:21:37","date_gmt":"2026-06-04T16:21:37","guid":{"rendered":"https:\/\/www.simplywise.com\/blog\/?p=6980"},"modified":"2026-06-04T16:21:37","modified_gmt":"2026-06-04T16:21:37","slug":"oregon-contractor-license","status":"publish","type":"post","link":"https:\/\/www.simplywise.com\/blog\/oregon-contractor-license\/","title":{"rendered":"Oregon Contractor License: Complete 2026 CCB Guide"},"content":{"rendered":"<p><!--\nYOAST META BLOCK\nfocus_keyphrase: oregon contractor license\nyoast_title: Oregon Contractor License: 2026 CCB Guide\nmeta_description: Oregon contractor license 2026 requirements: register with the CCB, finish the 16-hour training, pass the test, post your bond, carry insurance, and renew.\n--><br \/>\n<script>\ndocument.addEventListener('DOMContentLoaded', function() {\n  var sels = ['.entry-header','.page-header','article > h1:first-child','.entry-footer'];\n  sels.forEach(function(s){document.querySelectorAll(s).forEach(function(el){el.style.display='none';});});\n  var el = document.querySelector('.sw-a');\n  while (el && el !== document.body) {\n    el.style.maxWidth='100%'; el.style.width='100%'; el.style.padding='0'; el.style.margin='0';\n    el.style.float='none'; el.style.flex='0 0 100%';\n    el = el.parentElement;\n  }\n  document.body.style.marginTop='0'; document.body.style.paddingTop='0';\n});\n<\/script>\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Inter:wght@400;500;600;700;800&#038;display=swap\" rel=\"stylesheet\">\n<!-- 02 Article Template (v5 State Contractor License Guide, restructure 2026-06-04). 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ol{max-width:760px;margin:0 auto 20px;}.sw-a .sw-a__body ul li,.sw-a .sw-a__body ol li{margin-bottom:8px;}\n\/* WCAG AA eyebrow contrast fix - appended *\/\n.sw-a__eyebrow,.sw-l__eyebrow,.eyebrow{color:#1d4ed8!important;}\n<\/style>\n<p><script>\n(function(){\n  try{\n    var b=document.body;\n    if(b && b.classList){b.classList.add('single-post');}\n  }catch(e){}\n})();\n<\/script><\/p>\n<article class=\"sw-a\">\n<section class=\"sw-a__hero\">\n<div class=\"sw-a__inner\">\n<p class=\"sw-a__breadcrumb\">Blog &nbsp;&rsaquo;&nbsp; Contractor Licensing Guides<\/p>\n<p>    <span class=\"sw-a__eyebrow\">Oregon &middot; Licensing Guide<\/span><\/p>\n<h1>Oregon Contractor License: Complete 2026 CCB Guide<\/h1>\n<p class=\"sw-a__subtitle\">Everything you need to register with the Construction Contractors Board, finish the 16-hour training, pass the test, post your bond, carry insurance, and renew. Sourced directly from the Oregon CCB and ORS Chapter 701.<\/p>\n<div class=\"sw-a__meta\">\n      <span>SimplyWise Editorial Team<\/span><br \/>\n      <span class=\"sw-a__dot\"><\/span><br \/>\n      <span>Updated June 4, 2026<\/span><br \/>\n      <span class=\"sw-a__dot\"><\/span><br \/>\n      <span>13 min read<\/span>\n    <\/div>\n<p class=\"sw-a__trustline\">Verified against the Oregon Construction Contractors Board licensing guide and endorsement chart, the CCB fee schedule, and ORS 701.021, 701.990, and 701.992.<\/p>\n<figure class=\"sw-a__hero-figure\">\n      <img decoding=\"async\" src=\"https:\/\/images.unsplash.com\/photo-1587582423116-ec07293f0395?w=1400&#038;h=700&#038;fit=crop&#038;q=80&#038;auto=format\" alt=\"Oregon contractor license holder on a ladder framing a wood structure under a clear sky\" loading=\"eager\"><br \/>\n    <\/figure>\n<\/p><\/div>\n<\/section>\n<section class=\"sw-a__tldr\">\n<div class=\"sw-a__tldr-box\">\n<div class=\"sw-a__tldr-label\">Oregon licensing roadmap<\/div>\n<div class=\"sw-a__tldr-body\">\n<ol>\n<li>Confirm you need a license. Under ORS 701.021, anyone who works, offers to work, or bids on construction for pay in Oregon must hold a current CCB license, with only a narrow exemption for casual jobs under $1,000.<\/li>\n<li>Pick your endorsement. Residential General (RGC), Residential Specialty (RSC), or Residential Limited (RLC) for residential work, plus a commercial endorsement (CGC or CSC) if you work on larger commercial structures.<\/li>\n<li>Designate a Responsible Managing Individual (RMI) for the business, who completes the 16-hour pre-license training.<\/li>\n<li>Have the RMI pass the open-book CCB test (80 questions, 70 percent to pass, $60 fee).<\/li>\n<li>Set up the business and register the entity or assumed name with the Oregon Secretary of State.<\/li>\n<li>Post a surety bond in the amount set for your endorsement ($25,000 for an RGC) and carry general liability insurance at the required minimum ($500,000 per occurrence for an RGC).<\/li>\n<li>Submit the CCB application with your bond, certificate of insurance, test score report, and the license fee (up to $400 for a two-year license).<\/li>\n<li>Receive your CCB number, then renew every 2 years with continuing education.<\/li>\n<\/ol><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"sw-a__body\">\n<div class=\"sw-a__inner\">\n<h2 id=\"how-it-works\">What is an Oregon contractor license and who needs one?<\/h2>\n<p>An Oregon contractor license is a registration issued by the <a href=\"https:\/\/www.oregon.gov\/ccb\/pages\/default.aspx\" target=\"_blank\" rel=\"noopener\">Construction Contractors Board (CCB)<\/a> under <a href=\"https:\/\/www.oregonlegislature.gov\/bills_laws\/ors\/ors701.html\" target=\"_blank\" rel=\"noopener\">ORS Chapter 701<\/a>. Oregon does not gate contractors with a years-of-experience prerequisite for residential work the way some states do. Instead, it requires almost every construction business to register with the CCB before working. Per <a href=\"https:\/\/www.oregonlegislature.gov\/bills_laws\/ors\/ors701.html\" target=\"_blank\" rel=\"noopener\">ORS 701.021<\/a>, any person or joint venture that undertakes, offers to undertake, or submits a bid to do work as a contractor must hold a current CCB license, with the only meaningful exception being casual jobs whose total price for labor and materials is under $1,000 and that are minor or inconsequential in nature (ORS 701.010(4)). The path is the same for nearly every endorsement: designate a <strong>Responsible Managing Individual (RMI)<\/strong>, complete the <strong>16-hour pre-license training<\/strong>, pass the <strong>open-book test<\/strong> (80 questions, 70 percent to pass, $60), set up your business, post a <strong>surety bond<\/strong> sized to your endorsement (a Residential General Contractor bond is $25,000), carry <strong>general liability insurance<\/strong> at the required minimum ($500,000 per occurrence for an RGC), and submit the application with the <strong>license fee of up to $400<\/strong> for a two-year license. The license runs <strong>2 years<\/strong> and renews with continuing education. Most applicants who move steadily finish in 1 to 2 months.<\/p>\n<p>Every fact below traces to the CCB licensing guide, the CCB endorsement chart, the CCB fee schedule, or Oregon Revised Statutes Chapter 701. Verify any figure against the source before you pay a fee.<\/p>\n<nav class=\"sw-a__toc\" aria-label=\"Table of contents\">\n<p class=\"sw-a__toc-label\">Table of contents<\/p>\n<p class=\"sw-a__toc-sublabel\">Jump to any section below<\/p>\n<ol class=\"sw-a__toc-list\">\n<li><a href=\"#requirements\">Who needs an Oregon contractor license<\/a><\/li>\n<li><a href=\"#types\">Endorsement types and bond amounts<\/a><\/li>\n<li><a href=\"#training\">The 16-hour training and the test<\/a><\/li>\n<li><a href=\"#apply\">8-step application process<\/a><\/li>\n<li><a href=\"#insurance\">Bonds, insurance, and workers&#8217; comp<\/a><\/li>\n<li><a href=\"#business\">Setting up your business entity<\/a><\/li>\n<li><a href=\"#costs\">Total cost and timeline<\/a><\/li>\n<li><a href=\"#renewal\">2-year renewal and continuing education<\/a><\/li>\n<li><a href=\"#penalties\">Penalties for unlicensed work<\/a><\/li>\n<li><a href=\"#local\">Local rules across Oregon<\/a><\/li>\n<li><a href=\"#pitfalls\">Pitfalls to avoid<\/a><\/li>\n<li><a href=\"#bottom-line\">Bottom line summary<\/a><\/li>\n<li><a href=\"#resources\">Resources and next steps<\/a><\/li>\n<li><a href=\"#faqs\">FAQs<\/a><\/li>\n<\/ol>\n<\/nav>\n<h2 id=\"requirements\">Who needs an Oregon contractor license<\/h2>\n<p>Per ORS 701.021, any individual or business that builds, alters, repairs, improves, or demolishes a structure for compensation in Oregon, or that offers or bids to do that work, must hold a current CCB license before starting. The statute applies whether you are a one-person operation or a large firm, and it covers general contractors, specialty contractors, and developers alike. Oregon does not run a high dollar threshold below which unlicensed contracting is allowed. The only carve-out is narrow: ORS 701.010(4) exempts a person working on one structure or project under one or more contracts when the aggregate price of all labor, materials, and other items is <strong>less than $1,000 and the work is of a casual, minor, or inconsequential nature<\/strong>, and even that exemption disappears the moment someone advertises or holds themselves out as a contractor.<\/p>\n<h3>Other statutory exemptions (narrow)<\/h3>\n<p>ORS 701.010 lists a short set of exemptions beyond the casual-work rule. A person constructing, altering, or repairing personal property (rather than a structure) does not need a license. A person working on a structure on a federal site or reservation under federal jurisdiction is exempt. A person who only furnishes materials, supplies, or finished products and does not install or consume them in the work is exempt. Property owners doing limited work on their own property fall outside the contractor definition in many cases, though the moment they hold out as a contractor or exceed the casual-work limit, registration is required.<\/p>\n<h3>Residential vs commercial work<\/h3>\n<p>Oregon splits licensing into residential and commercial endorsements based on the structures you work on. A <strong>residential structure<\/strong> is a site-built home, a residential unit four stories or less, a condominium or rental unit, a modular or manufactured dwelling, or a floating home. A <strong>small commercial structure<\/strong> is a non-residential building of 10,000 square feet or less and no more than 20 feet high, a non-residential unit of 12,000 square feet or less, or any non-residential structure where the entire construction contract is $250,000 or less. A <strong>large commercial structure<\/strong> is anything bigger. If you work on residential and small commercial structures, you complete the residential application. If you work on small and large commercial structures, you complete the commercial application. If you do all three, you complete the combined residential and commercial application and carry two bonds.<\/p>\n<h3>General, specialty, limited, or developer<\/h3>\n<p>Your role on the jobsite sets your endorsement. A <strong>general contractor<\/strong> may supervise, arrange for, or perform an unlimited number of unrelated building trades. A <strong>specialty contractor<\/strong> performs work in only one or two unrelated trades. A <strong>residential limited contractor<\/strong> may handle any number of trades but is capped at $40,000 in gross annual volume and may not enter a contract over $5,000 per job site per year, per ORS 701.038. A <strong>developer<\/strong> owns or holds an interest in property, arranges construction with the intent to sell, and performs no actual construction work.<\/p>\n<h2 id=\"types\">Oregon contractor license endorsement types and bond amounts<\/h2>\n<p>Once you know your structure type and role, you select an endorsement. You may hold one residential endorsement and one commercial endorsement on the same license. The CCB endorsement chart sets a specific surety bond amount and general liability insurance minimum for each. Picking the wrong endorsement is the most common early mistake, because each endorsement is tied to a defined scope and bond level.<\/p>\n<h3>Residential endorsements<\/h3>\n<div class=\"sw-a__comparison-scroll\">\n<table>\n<thead>\n<tr>\n<th scope=\"col\">Residential endorsement<\/th>\n<th scope=\"col\">Surety bond<\/th>\n<th scope=\"col\">Liability insurance<\/th>\n<th scope=\"col\">Training &amp; test<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Residential General Contractor (RGC)<\/td>\n<td>$25,000<\/td>\n<td>$500,000 per occurrence<\/td>\n<td>Required<\/td>\n<\/tr>\n<tr>\n<td>Residential Specialty Contractor (RSC)<\/td>\n<td>$20,000<\/td>\n<td>$300,000 per occurrence<\/td>\n<td>Required<\/td>\n<\/tr>\n<tr>\n<td>Residential Limited Contractor (RLC)<\/td>\n<td>$15,000<\/td>\n<td>$100,000 per occurrence<\/td>\n<td>Required<\/td>\n<\/tr>\n<tr>\n<td>Residential Developer (RD)<\/td>\n<td>$25,000<\/td>\n<td>$500,000 per occurrence<\/td>\n<td>Not required<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>Most contractors who build new homes or coordinate subs across multiple trades on residential structures register as a <strong>Residential General Contractor (RGC)<\/strong>, which posts a $25,000 bond and carries $500,000 per occurrence in general liability insurance. Single-trade or two-trade specialists register as a <strong>Residential Specialty Contractor (RSC)<\/strong> with a $20,000 bond and $300,000 in coverage. Smaller operators who stay under the $40,000 annual and $5,000 per-contract caps can register as a <strong>Residential Limited Contractor (RLC)<\/strong> with a $15,000 bond.<\/p>\n<h3>Commercial endorsements<\/h3>\n<div class=\"sw-a__comparison-scroll\">\n<table>\n<thead>\n<tr>\n<th scope=\"col\">Commercial endorsement<\/th>\n<th scope=\"col\">Surety bond<\/th>\n<th scope=\"col\">Liability insurance<\/th>\n<th scope=\"col\">Experience<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Commercial General Contractor Level 1 (CGC1)<\/td>\n<td>$80,000<\/td>\n<td>$2 million aggregate<\/td>\n<td>8 years<\/td>\n<\/tr>\n<tr>\n<td>Commercial General Contractor Level 2 (CGC2)<\/td>\n<td>$25,000<\/td>\n<td>$1 million aggregate<\/td>\n<td>4 years<\/td>\n<\/tr>\n<tr>\n<td>Commercial Specialty Contractor Level 1 (CSC1)<\/td>\n<td>$55,000<\/td>\n<td>$1 million aggregate<\/td>\n<td>8 years<\/td>\n<\/tr>\n<tr>\n<td>Commercial Specialty Contractor Level 2 (CSC2)<\/td>\n<td>$25,000<\/td>\n<td>$500,000 per occurrence<\/td>\n<td>4 years<\/td>\n<\/tr>\n<tr>\n<td>Commercial Developer (CD)<\/td>\n<td>$25,000<\/td>\n<td>$500,000 per occurrence<\/td>\n<td>None<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>Commercial endorsements carry higher bonds, higher insurance, and an experience requirement that residential endorsements do not. A Level 1 commercial contractor needs 8 years of construction experience among the business&#8217;s key employees, while a Level 2 needs 4 years. Level 1 and Level 2 commercial contractors may perform the same work; the difference is the experience, bond, and insurance tier, not the scope.<\/p>\n<div class=\"sw-a__callout\"><strong>Common pitfall:<\/strong> Contractors who plan to work on both residential and commercial structures sometimes register only one endorsement. If you hold both a residential and a commercial endorsement, the CCB requires <strong>two surety bonds<\/strong> (one for each endorsement) and <strong>one liability insurance policy in the higher of the two required amounts<\/strong>. Map your structure types before you apply so you post the right bonds the first time.<\/p>\n<\/div>\n<h2 id=\"training\">The 16-hour pre-license training and the CCB test<\/h2>\n<p>For most endorsements, the business must designate at least one <strong>Responsible Managing Individual (RMI)<\/strong>, who is an owner or an employee with management or supervisory authority. The RMI completes the training and passes the test on behalf of the business. Developer and a handful of restricted residential endorsements do not require training and test, but every general and specialty endorsement does.<\/p>\n<h3>The 16-hour training<\/h3>\n<p>The RMI must complete a <strong>16-hour pre-license training course<\/strong> through a CCB-approved provider. The course is available in person, online, or in other formats, and the CCB maintains a published list of approved providers. The training covers business, law, and project management fundamentals so the RMI is prepared for both the test and the realities of running a licensed construction business.<\/p>\n<h3>The test<\/h3>\n<p>After the training, the RMI takes the CCB test, which is based on the <em>NASCLA Contractors Guide to Business, Law and Project Management (Oregon version)<\/em>. The test is <strong>open-book, 80 multiple-choice questions, with a 3-hour time limit, and a passing score of 70 percent<\/strong>. The test fee is <strong>$60<\/strong> each time it is taken, and the RMI gets a score immediately. If the RMI fails, the RMI can retest. Once the RMI passes, the business has <strong>24 months<\/strong> to apply for a CCB license before the passing score expires, and the application must include a copy of the Test Score Report.<\/p>\n<h2 id=\"apply\">How to get an Oregon contractor license: the 8-step process<\/h2>\n<p>Most applicants finish the full path in <strong>1 to 2 months<\/strong>, with the 16-hour course and the bond and insurance setup being the longest phases. Every step below references the CCB licensing guide, with statute citations inline so you can verify any requirement directly.<\/p>\n<ol class=\"sw-a__steps\">\n<li>\n<h3>Decide your license type and endorsement<\/h3>\n<p>Determine whether you need a residential license, a commercial license, or both, based on the structures you will work on. Then pick your endorsement (RGC, RSC, RLC, CGC, CSC, or developer) based on your role and scope. If you work on pre-1978 homes that disturb lead paint, you will also need a separate lead-based paint renovation license from the CCB. This single decision sets your bond amount, your insurance minimum, and whether an experience requirement applies.<\/p>\n<\/li>\n<li>\n<h3>Designate a Responsible Managing Individual (RMI)<\/h3>\n<p>Name an owner or a management-level employee as the RMI for the business. For most endorsements the RMI must complete the training and pass the test. The RMI carries the credential for the business, so if that person leaves, the business must designate a qualifying replacement to keep the license active.<\/p>\n<\/li>\n<li>\n<h3>Complete the 16-hour pre-license training<\/h3>\n<p>Have the RMI complete the 16-hour course through a CCB-approved provider, in person or online. The training prepares the RMI for the test and is required before testing for general and specialty endorsements. Self-study options can run as low as $20 if the student supplies the manual, while live classes run up to $500.<\/p>\n<\/li>\n<li>\n<h3>Pass the CCB test<\/h3>\n<p>The RMI sits the open-book, 80-question test (based on the NASCLA Oregon-version guide), passing with 70 percent within the 3-hour limit. The test fee is $60. Scores are reported immediately. Keep the Test Score Report, because you must apply within 24 months of passing or the score expires.<\/p>\n<\/li>\n<li>\n<h3>Set up and register your business<\/h3>\n<p>Choose your structure (sole proprietorship, partnership, corporation, or LLC) and register the entity or any assumed business name with the Oregon Secretary of State at filinginoregon.com. Sole proprietorships and partnerships operating under the owners&#8217; full legal names do not have to register the entity, but any assumed name must be registered.<\/p>\n<\/li>\n<li>\n<h3>Post your surety bond<\/h3>\n<p>Obtain a surety bond in the amount set for your endorsement ($25,000 for an RGC, $20,000 for an RSC, $15,000 for an RLC, and the higher commercial amounts for commercial endorsements). Use the exact entity name as registered with the Secretary of State. If you hold both a residential and a commercial endorsement, you submit two bonds. The bond is continuous until canceled.<\/p>\n<\/li>\n<li>\n<h3>Obtain your certificate of insurance<\/h3>\n<p>Carry general liability insurance covering personal injury and property damage, including products and completed operations, at least at the minimum for your endorsement ($500,000 per occurrence for an RGC). Name the Construction Contractors Board as the certificate holder. If you hold both a residential and a commercial endorsement, you submit one policy in the higher amount.<\/p>\n<\/li>\n<li>\n<h3>Submit your CCB application and fee<\/h3>\n<p>Complete the appropriate application (residential, commercial, or combined) and submit it with the surety bond, certificate of insurance, copy of the Test Score Report, and the license fee, which is authorized up to $400 for a two-year license. The CCB accepts credit card, debit card, check, or money order, but not cash. Once approved, you receive your CCB number and can legally bid and work within your endorsement.<\/p>\n<\/li>\n<\/ol>\n<h2 id=\"insurance\">Bonds, insurance, and workers&#8217; compensation in Oregon<\/h2>\n<p>Oregon is one of the states that builds the surety bond and liability insurance directly into licensing. Unlike states that leave both to the open market, Oregon sets a required bond amount and an insurance minimum for every endorsement, and you cannot complete your application without both on file.<\/p>\n<h3>Surety bond: required and endorsement-specific<\/h3>\n<p>Every CCB licensee must submit a surety bond sized to the endorsement. A Residential General Contractor posts a <strong>$25,000<\/strong> bond, a Residential Specialty Contractor <strong>$20,000<\/strong>, and a Residential Limited Contractor <strong>$15,000<\/strong>. Commercial bonds run higher: <strong>$80,000<\/strong> for CGC Level 1, <strong>$55,000<\/strong> for CSC Level 1, and <strong>$25,000<\/strong> for the Level 2 and developer tiers. The bond protects consumers and subcontractors, and the bond is continuous until canceled. For a business with good credit, the annual premium often runs 1 to 3 percent of the bond face value, so a $25,000 bond at 2 percent costs roughly $500 a year. Contractors who plan public works projects over $100,000 must also obtain a separate public works bond.<\/p>\n<h3>General liability insurance: required minimums<\/h3>\n<p>Every licensee must also carry general liability insurance at least at the minimum for the endorsement. The residential minimums are <strong>$500,000 per occurrence for an RGC<\/strong>, $300,000 for an RSC, and $100,000 for an RLC. Commercial minimums run to <strong>$2 million aggregate for CGC Level 1<\/strong> and $1 million for the Level 2 and CSC Level 1 tiers. The policy must cover personal injury and property damage and include products and completed operations coverage, and it must name the CCB as certificate holder. The CCB licensing guide notes one carrier estimated contractor insurance between $380 and $1,380 per year, though actual premiums vary by revenue, trade, and history.<\/p>\n<h3>Workers&#8217; compensation<\/h3>\n<p>A contractor with employees is nonexempt and must carry workers&#8217; compensation insurance. A contractor with no employees is exempt and does not need it, with two exceptions: a contractor applying for a <strong>commercial endorsement must carry &#8220;personal election&#8221; workers&#8217; compensation insurance even with no employees<\/strong>, and a contractor using leased employees must provide the leasing company&#8217;s policy information. Contractors with employees must also obtain an Oregon Business Identification Number (BIN) from the Department of Revenue and a federal Employer Identification Number (EIN) from the IRS for payroll taxes.<\/p>\n<h2 id=\"business\">Setting up your contracting business in Oregon<\/h2>\n<p>Setting up the business is a required step in the CCB checklist, not an afterthought. The license is issued to one business, so the entity and the license go together.<\/p>\n<h3>Entity choice and Secretary of State registration<\/h3>\n<p>Oregon contractors operate as sole proprietorships, partnerships, corporations, or LLCs. Per CCB data, about 43 percent of licensed contractors are LLCs, 31 percent corporations, and 24 percent sole proprietorships. The LLC is the most common choice because it provides liability protection without the formality of a corporation. Register the entity, and any assumed business name, with the <a href=\"https:\/\/sos.oregon.gov\/business\/Pages\/business-information-center.aspx\" target=\"_blank\" rel=\"noopener\">Oregon Secretary of State Business Information Center<\/a> at filinginoregon.com. Sole proprietorships and partnerships using the owners&#8217; full legal names do not register an entity, but any assumed name still must be filed.<\/p>\n<h3>Federal EIN and Oregon tax registration<\/h3>\n<p>Pull a free <a href=\"https:\/\/www.irs.gov\/businesses\/small-businesses-self-employed\/apply-for-an-employer-identification-number-ein-online\" target=\"_blank\" rel=\"noopener\">EIN from the IRS<\/a>. If you hire employees, obtain an Oregon Business Identification Number from the <a href=\"https:\/\/www.oregon.gov\/dor\/Pages\/index.aspx\" target=\"_blank\" rel=\"noopener\">Oregon Department of Revenue<\/a> for payroll and bind workers&#8217; compensation coverage before the first employee starts. Oregon has no statewide general sales tax, so contractors do not register for one, though local and project-specific taxes can still apply.<\/p>\n<h3>Exact name matching<\/h3>\n<p>The CCB requires that the name on your surety bond and your certificate of insurance match the exact entity name registered with the Secretary of State (or the full legal name for sole proprietorships and partnerships). A name mismatch is one of the most common reasons an application stalls, so confirm the registered name before you order the bond and insurance.<\/p>\n<h2 id=\"costs\">Total cost of an Oregon contractor license in 2026<\/h2>\n<p>Most Oregon applicants complete the full Residential General Contractor licensing process for a total of roughly <strong>$700 to $1,400<\/strong> in training, test, license, and first-year bond and insurance costs. The largest variable is insurance, which depends on revenue and trade. The timeline depends mostly on how quickly the RMI finishes the 16-hour course and how fast the bond and insurance come through.<\/p>\n<div class=\"sw-a__comparison-scroll\">\n<table>\n<thead>\n<tr>\n<th scope=\"col\">Cost item<\/th>\n<th scope=\"col\">Amount (2026)<\/th>\n<th scope=\"col\">Source<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>16-hour pre-license training<\/td>\n<td>$20 to $500<\/td>\n<td>CCB licensing guide<\/td>\n<\/tr>\n<tr>\n<td>CCB test fee (per attempt)<\/td>\n<td>$60<\/td>\n<td>CCB licensing guide<\/td>\n<\/tr>\n<tr>\n<td>CCB license fee (two-year license)<\/td>\n<td>Up to $400<\/td>\n<td>CCB fee schedule<\/td>\n<\/tr>\n<tr>\n<td>Surety bond (RGC, $25,000 face)<\/td>\n<td>~$500\/yr (1 to 3% of face, good credit)<\/td>\n<td>CCB licensing guide<\/td>\n<\/tr>\n<tr>\n<td>General liability insurance (annual)<\/td>\n<td>$380 to $1,380<\/td>\n<td>CCB licensing guide<\/td>\n<\/tr>\n<tr>\n<td>Business registration (Secretary of State)<\/td>\n<td>Varies<\/td>\n<td>Oregon Secretary of State<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>Beyond these, budget for <strong>workers&#8217; compensation<\/strong> if you have employees (or personal-election coverage for a commercial endorsement), a <strong>lead-based paint renovation license<\/strong> if you work on pre-1978 homes, and <strong>continuing education<\/strong> at each renewal. Commercial endorsements cost more upfront because of the larger bond and the $1 million to $2 million insurance minimums.<\/p>\n<h2 id=\"renewal\">2-year renewal and continuing education<\/h2>\n<p>An Oregon CCB license runs <strong>2 years<\/strong> and renews for another two-year period. The renewal fee is set on the same schedule as the application fee, authorized up to <strong>$400<\/strong> for the two-year term. The CCB notifies licensees ahead of expiration, and continuing education must be completed before residential renewals.<\/p>\n<h3>Continuing education for residential contractors<\/h3>\n<p>Residential contractors complete continuing education tied to how long they have been licensed. A residential contractor licensed <strong>less than 6 years<\/strong> must complete <strong>16 hours<\/strong> per renewal: 3 hours of CCB laws, regulations, and business practices, plus 13 hours from other approved providers. A residential contractor licensed <strong>6 years or more<\/strong> completes <strong>8 hours<\/strong>: the same 3 hours of CCB laws, regulations, and business practices, plus 5 hours from other approved providers. The CCB caps credit at 3 hours for its own classes, so the remaining hours must come from approved outside providers.<\/p>\n<div class=\"sw-a__callout\"><strong>Tip:<\/strong> Confirm your contact information in the CCB system well ahead of your renewal date. Missed renewal notices from stale contact details are a common cause of lapses, and a lapsed license cannot legally bid or work until it is reinstated.<\/p>\n<\/div>\n<h2 id=\"penalties\">Penalties for unlicensed contracting in Oregon<\/h2>\n<p>Oregon enforces its licensing requirement through both criminal and civil penalties under ORS Chapter 701. The CCB also runs a complaint and enforcement process that consumers and other contractors use to report unlicensed work.<\/p>\n<ul>\n<li><strong>Criminal penalty.<\/strong> Per <a href=\"https:\/\/www.oregonlegislature.gov\/bills_laws\/ors\/ors701.html\" target=\"_blank\" rel=\"noopener\">ORS 701.990(1)<\/a>, a violation of the ORS 701.021 license requirement is a <strong>Class A misdemeanor<\/strong>. Acting as a contractor without the required CCB license is therefore a crime, not just a regulatory infraction.<\/li>\n<li><strong>Civil penalty.<\/strong> Per <a href=\"https:\/\/www.oregonlegislature.gov\/bills_laws\/ors\/ors701.html\" target=\"_blank\" rel=\"noopener\">ORS 701.992(1)<\/a>, the CCB may assess a civil penalty of <strong>not more than $5,000 for each violation<\/strong>. These penalties stack with the criminal exposure and with any consumer claims against the bond.<\/li>\n<li><strong>Loss of standing to collect.<\/strong> An unlicensed contractor in Oregon generally cannot use the CCB complaint process to pursue payment and faces an uphill path enforcing contracts, while consumers retain the ability to file complaints against the contractor.<\/li>\n<\/ul>\n<h2 id=\"local\">Local rules across Oregon<\/h2>\n<p>The CCB license is the statewide qualification, but cities and counties layer their own permit and inspection requirements on top. No Oregon city issues a separate contractor license that replaces the CCB credential, but local building departments run their own permit-pull and inspection processes that you must follow on every job.<\/p>\n<div class=\"sw-a__comparison-scroll\">\n<table>\n<thead>\n<tr>\n<th scope=\"col\">Market<\/th>\n<th scope=\"col\">Permitting authority<\/th>\n<th scope=\"col\">Key local notes<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Portland<\/td>\n<td>Portland Permitting &amp; Development<\/td>\n<td>CCB license is the qualification; the city runs permit intake, plan review, and inspections for residential and commercial work.<\/td>\n<\/tr>\n<tr>\n<td>Salem<\/td>\n<td>Salem building and permits division<\/td>\n<td>CCB-licensed contractors pull city permits for building, plumbing, mechanical, and electrical scopes.<\/td>\n<\/tr>\n<tr>\n<td>Eugene<\/td>\n<td>Eugene permit and information center<\/td>\n<td>City permits and inspections on top of the CCB credential.<\/td>\n<\/tr>\n<tr>\n<td>Bend \/ Central Oregon<\/td>\n<td>City and county building departments<\/td>\n<td>Fast-growth market; confirm jurisdiction (city vs county) before pulling permits.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>Plan local permits as part of every job, not just the initial license. <strong>Portland<\/strong> applies the most layered permit and plan-review process, while smaller and county jurisdictions are simpler but still require their own permits and inspections on top of the statewide CCB license.<\/p>\n<h2 id=\"pitfalls\">Common pitfalls to avoid<\/h2>\n<p>Beyond the application itself, four pitfalls trip up Oregon contractors during day-to-day operations:<\/p>\n<ul>\n<li><strong>Working before the license is active.<\/strong> Per ORS 701.021, even bidding or offering to do contractor work requires a current CCB license. Starting work or advertising before the CCB number is issued exposes you to the Class A misdemeanor and the $5,000-per-violation civil penalty.<\/li>\n<li><strong>Exceeding a Residential Limited Contractor cap.<\/strong> An RLC may not exceed $40,000 in gross annual volume or sign a contract over $5,000 per job site per year, per ORS 701.038. Crossing either cap means you must step up to a broader endorsement and increase your bond and insurance.<\/li>\n<li><strong>Letting the bond or insurance lapse.<\/strong> The CCB requires continuous bond and insurance coverage. A lapse in either suspends your ability to work legally until coverage is restored, and the CCB can act on the gap.<\/li>\n<li><strong>Letting the RMI lapse.<\/strong> The license depends on a qualifying RMI. If the RMI leaves and is not replaced with a qualifying individual, the license can be suspended. Plan a succession before the RMI departs.<\/li>\n<\/ul>\n<h2 id=\"bottom-line\">Bottom line<\/h2>\n<p>Oregon licenses by registration: almost every construction business must hold a current CCB license before bidding or working, with only a narrow exemption for casual jobs under $1,000. The path is the same for most contractors. Designate an RMI, complete the 16-hour training, pass the 80-question test at 70 percent, set up and register the business, post the surety bond for your endorsement ($25,000 for an RGC), carry general liability insurance at the required minimum ($500,000 per occurrence for an RGC), and submit the application with the fee of up to $400 for a two-year license. Plan 1 to 2 months and budget roughly $700 to $1,400 for an RGC including first-year bond and insurance, then renew every 2 years with continuing education. Get the endorsement right the first time and you hold a license that works in every Oregon county.<\/p>\n<h2 id=\"resources\">Resources and next steps<\/h2>\n<p>Bookmark these for the application, renewal, or compliance questions:<\/p>\n<ul>\n<li><a href=\"https:\/\/www.oregon.gov\/ccb\/pages\/default.aspx\" target=\"_blank\" rel=\"noopener\">Oregon Construction Contractors Board<\/a> &mdash; licensing, applications, and license search<\/li>\n<li><a href=\"https:\/\/www.oregon.gov\/ccb\/Documents\/Guide%20to%20becoming%20a%20lic%20contractor.pdf\" target=\"_blank\" rel=\"noopener\">CCB Guide to becoming a licensed contractor<\/a> &mdash; the official checklist<\/li>\n<li><a href=\"https:\/\/www.oregon.gov\/ccb\/Documents\/Endorsement%20Chart.pdf\" target=\"_blank\" rel=\"noopener\">CCB endorsement chart<\/a> &mdash; bond and insurance amounts by endorsement<\/li>\n<li><a href=\"https:\/\/www.oregon.gov\/ccb\/pages\/continuing-education.aspx\" target=\"_blank\" rel=\"noopener\">CCB continuing education<\/a> &mdash; renewal hours by years licensed<\/li>\n<li><a href=\"https:\/\/www.oregonlegislature.gov\/bills_laws\/ors\/ors701.html\" target=\"_blank\" rel=\"noopener\">ORS Chapter 701<\/a> &mdash; the governing statute<\/li>\n<li><a href=\"https:\/\/sos.oregon.gov\/business\/Pages\/business-information-center.aspx\" target=\"_blank\" rel=\"noopener\">Oregon Secretary of State Business Information Center<\/a> &mdash; entity formation<\/li>\n<\/ul>\n<p>For a state-by-state overview, see our <a href=\"\/blog\/how-to-get-general-contractor-license\/\">national general contractor license guide<\/a>. For a comparable registration-model state, see our <a href=\"\/blog\/washington-contractor-license\/\">Washington contractor license guide<\/a>.<\/p>\n<\/p><\/div>\n<\/section>\n<section class=\"sw-a__pull\">\n<blockquote><p>\n    Oregon does not gate contractors by years on the job for residential work. It licenses by registration, and the 16-hour training, the bond, and the insurance are the gate.\n  <\/p><\/blockquote>\n<p>  <cite>SimplyWise Editorial<\/cite><br \/>\n<\/section>\n<section class=\"sw-a__faq\" id=\"faqs\">\n<h2>Frequently asked questions about the Oregon contractor license<\/h2>\n<div class=\"sw-a__faq-list\">\n<h3 class=\"sw-a__faq-cat\">Getting started<\/h3>\n<details>\n<summary>How do I get a contractor license in Oregon?<\/summary>\n<div class=\"sw-a__faq-answer\">\n<p>Oregon licenses contractors by registration with the Construction Contractors Board (CCB). Pick your endorsement (Residential General, Specialty, or Limited, plus a commercial endorsement if needed), designate a Responsible Managing Individual (RMI), complete the 16-hour pre-license training, and have the RMI pass the open-book test (80 questions, 70 percent to pass, $60). Then set up and register your business, post the surety bond for your endorsement ($25,000 for a Residential General Contractor), carry general liability insurance at the required minimum ($500,000 per occurrence for an RGC), and submit the CCB application with the license fee of up to $400 for a two-year license. Most applicants finish in 1 to 2 months.<\/p>\n<\/p><\/div>\n<\/details>\n<h3 class=\"sw-a__faq-cat\">Requirements and bonds<\/h3>\n<details>\n<summary>Do I need a license for small construction jobs in Oregon?<\/summary>\n<div class=\"sw-a__faq-answer\">\n<p>Almost always, yes. Per ORS 701.021, anyone who works, offers to work, or bids on construction for compensation in Oregon must hold a current CCB license. The only narrow exemption is ORS 701.010(4), which covers a person working on one project where the total price for labor, materials, and other items is less than $1,000 and the work is casual, minor, or inconsequential, and even that exemption does not apply if you advertise or hold yourself out as a contractor. There is no high dollar threshold below which unlicensed contracting is allowed.<\/p>\n<\/p><\/div>\n<\/details>\n<details>\n<summary>How much is the surety bond and insurance for an Oregon contractor license?<\/summary>\n<div class=\"sw-a__faq-answer\">\n<p>The amounts depend on your endorsement. A Residential General Contractor (RGC) posts a $25,000 surety bond and carries $500,000 per occurrence in general liability insurance. A Residential Specialty Contractor posts a $20,000 bond with $300,000 in coverage, and a Residential Limited Contractor posts a $15,000 bond with $100,000 in coverage. Commercial endorsements run higher, from a $25,000 bond for Level 2 contractors up to an $80,000 bond and $2 million aggregate insurance for a Commercial General Contractor Level 1. If you hold both a residential and a commercial endorsement, you submit two bonds and one insurance policy in the higher amount.<\/p>\n<\/p><\/div>\n<\/details>\n<h3 class=\"sw-a__faq-cat\">Cost, timeline, and renewal<\/h3>\n<details>\n<summary>How much does an Oregon contractor license cost in 2026?<\/summary>\n<div class=\"sw-a__faq-answer\">\n<p>For a Residential General Contractor, plan roughly $700 to $1,400 in total. That includes the 16-hour training ($20 to $500), the test fee ($60 per attempt), the CCB license fee (up to $400 for a two-year license), the surety bond (about $500 a year for a $25,000 bond at good credit), and general liability insurance ($380 to $1,380 a year). Commercial endorsements cost more because of larger bonds and $1 million to $2 million insurance minimums. Verify current fees on the CCB fee schedule before applying.<\/p>\n<\/p><\/div>\n<\/details>\n<details>\n<summary>How often do I renew an Oregon contractor license?<\/summary>\n<div class=\"sw-a__faq-answer\">\n<p>The CCB license runs 2 years and renews for another two-year period, with a renewal fee authorized up to $400. Residential contractors complete continuing education before renewing: 16 hours per renewal if licensed less than 6 years (3 hours of CCB laws, regulations, and business practices plus 13 hours from other approved providers), or 8 hours if licensed 6 years or more (the same 3 CCB hours plus 5 outside hours). The CCB caps credit for its own classes at 3 hours.<\/p>\n<\/p><\/div>\n<\/details>\n<h3 class=\"sw-a__faq-cat\">Penalties<\/h3>\n<details>\n<summary>What happens if I contract without an Oregon contractor license?<\/summary>\n<div class=\"sw-a__faq-answer\">\n<p>Per ORS 701.990(1), a violation of the ORS 701.021 license requirement is a Class A misdemeanor, so unlicensed contracting is a crime. On top of that, ORS 701.992(1) lets the CCB assess a civil penalty of not more than $5,000 for each violation. An unlicensed contractor also loses standing to use the CCB process to pursue payment and faces an uphill path enforcing contracts, while consumers keep the right to file complaints. The CCB runs an enforcement process that investigates reports of unlicensed work.<\/p>\n<\/p><\/div>\n<\/details><\/div>\n<\/section>\n<section class=\"sw-a__finalcta\">\n  <span class=\"sw-a__eyebrow\">After licensing<\/span><\/p>\n<h2>License first. Then bid every Oregon job with a sharper estimate.<\/h2>\n<p>Once your CCB license is in hand, every project starts with a winning estimate. SimplyWise Cost Estimator turns a site photo or floor plan into a sourced material list and labor breakdown in seconds, built for licensed Oregon contractors who want to price competitively without underbidding. Free to try.<\/p>\n<div class=\"sw-a__cta-buttons\">\n    <a class=\"sw-a__btn\" href=\"https:\/\/swcostestimator.app.link\/ce-ai\" target=\"_blank\" rel=\"noopener\">Try SimplyWise Cost Estimator, free<\/a>\n  <\/div>\n<\/section>\n<\/article>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"Article\",\n  \"headline\": \"Oregon Contractor License: Complete 2026 CCB Guide\",\n  \"description\": \"Oregon contractor license 2026 requirements: register with the CCB, finish the 16-hour training, pass the test, post your bond, carry insurance, and renew every 2 years.\",\n  \"author\": {\"@type\": \"Organization\", \"name\": \"SimplyWise\"},\n  \"publisher\": {\"@type\": \"Organization\", \"name\": \"SimplyWise\", \"logo\": {\"@type\": \"ImageObject\", \"url\": \"https:\/\/simplywise.com\/logo.png\"}},\n  \"datePublished\": \"2026-06-04\",\n  \"dateModified\": \"2026-06-04\",\n  \"image\": \"https:\/\/images.unsplash.com\/photo-1587582423116-ec07293f0395?w=1400&h=700&fit=crop&q=80&auto=format\"\n}\n<\/script><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\"@type\": \"Question\", \"name\": \"How do I get a contractor license in Oregon?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oregon licenses contractors by registration with the Construction Contractors Board (CCB). Pick your endorsement (Residential General, Specialty, or Limited, plus a commercial endorsement if needed), designate a Responsible Managing Individual (RMI), complete the 16-hour pre-license training, and have the RMI pass the open-book test (80 questions, 70 percent to pass, $60). Then set up and register your business, post the surety bond for your endorsement ($25,000 for a Residential General Contractor), carry general liability insurance at the required minimum ($500,000 per occurrence for an RGC), and submit the CCB application with the license fee of up to $400 for a two-year license. Most applicants finish in 1 to 2 months.\"}},\n    {\"@type\": \"Question\", \"name\": \"Do I need a license for small construction jobs in Oregon?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Almost always, yes. Per ORS 701.021, anyone who works, offers to work, or bids on construction for compensation in Oregon must hold a current CCB license. The only narrow exemption is ORS 701.010(4), which covers a person working on one project where the total price for labor, materials, and other items is less than $1,000 and the work is casual, minor, or inconsequential, and even that exemption does not apply if you advertise or hold yourself out as a contractor. There is no high dollar threshold below which unlicensed contracting is allowed.\"}},\n    {\"@type\": \"Question\", \"name\": \"How much is the surety bond and insurance for an Oregon contractor license?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"The amounts depend on your endorsement. A Residential General Contractor (RGC) posts a $25,000 surety bond and carries $500,000 per occurrence in general liability insurance. A Residential Specialty Contractor posts a $20,000 bond with $300,000 in coverage, and a Residential Limited Contractor posts a $15,000 bond with $100,000 in coverage. Commercial endorsements run higher, from a $25,000 bond for Level 2 contractors up to an $80,000 bond and $2 million aggregate insurance for a Commercial General Contractor Level 1. If you hold both a residential and a commercial endorsement, you submit two bonds and one insurance policy in the higher amount.\"}},\n    {\"@type\": \"Question\", \"name\": \"How much does an Oregon contractor license cost in 2026?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"For a Residential General Contractor, plan roughly $700 to $1,400 in total. That includes the 16-hour training ($20 to $500), the test fee ($60 per attempt), the CCB license fee (up to $400 for a two-year license), the surety bond (about $500 a year for a $25,000 bond at good credit), and general liability insurance ($380 to $1,380 a year). Commercial endorsements cost more because of larger bonds and $1 million to $2 million insurance minimums. Verify current fees on the CCB fee schedule before applying.\"}},\n    {\"@type\": \"Question\", \"name\": \"How often do I renew an Oregon contractor license?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"The CCB license runs 2 years and renews for another two-year period, with a renewal fee authorized up to $400. Residential contractors complete continuing education before renewing: 16 hours per renewal if licensed less than 6 years (3 hours of CCB laws, regulations, and business practices plus 13 hours from other approved providers), or 8 hours if licensed 6 years or more (the same 3 CCB hours plus 5 outside hours). The CCB caps credit for its own classes at 3 hours.\"}},\n    {\"@type\": \"Question\", \"name\": \"What happens if I contract without an Oregon contractor license?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Per ORS 701.990(1), a violation of the ORS 701.021 license requirement is a Class A misdemeanor, so unlicensed contracting is a crime. On top of that, ORS 701.992(1) lets the CCB assess a civil penalty of not more than $5,000 for each violation. An unlicensed contractor also loses standing to use the CCB process to pursue payment and faces an uphill path enforcing contracts, while consumers keep the right to file complaints. The CCB runs an enforcement process that investigates reports of unlicensed work.\"}}\n  ]\n}\n<\/script><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BreadcrumbList\",\n  \"itemListElement\": [\n    {\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Blog\", \"item\": \"https:\/\/www.simplywise.com\/blog\/\"},\n    {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Contractor Licensing Guides\", \"item\": \"https:\/\/www.simplywise.com\/blog\/category\/contractor-licensing-guides\/\"},\n    {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Oregon Contractor License\", \"item\": \"https:\/\/www.simplywise.com\/blog\/oregon-contractor-license\/\"}\n  ]\n}\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Blog &nbsp;&rsaquo;&nbsp; Contractor Licensing Guides Oregon &middot; Licensing Guide Oregon Contractor License: Complete 2026 CCB Guide Everything you need to register with the Construction Contractors Board, finish the 16-hour training, pass the test, post your bond, carry insurance, and renew. Sourced directly from the Oregon CCB and ORS Chapter 701. SimplyWise Editorial Team Updated June [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[178],"tags":[],"class_list":["post-6980","post","type-post","status-publish","format-standard","hentry","category-contractor-licenses"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Oregon Contractor License: 2026 CCB Guide<\/title>\n<meta name=\"description\" content=\"Oregon contractor license 2026 requirements: register with the CCB, finish the 16-hour training, pass the test, post your bond, carry insurance, and renew.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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