Oregon, OH Short-Term Rentals: Insurance Requirements (2026)

09(a)(3) of the Oregon Codified Ordinances lists the documents a short-term rental operator must submit to the Building and Zoning Department before the city will approve an operating permit, and item 6 on that list is insurance: proof of general liability insurance in the amount of at least one million dollars ($1,000,000). 10(d)(4), the name of a local contact person reachable twenty-four hours a day who must respond to a complaint within forty-five minutes, and a floor plan and parking site plan. All of these must be on file before the Commissioner of Building and Zoning issues the permit, which is valid for one year and must be renewed annually with the same documentation, meaning the liability coverage has to stay current at each renewal rather than being a one-time proof.

09(a)(6)A for the Commissioner to deny or revoke the permit, and revocation can also follow evidence of a de facto violation without requiring a criminal conviction first.