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Oregon Revised Statutes

Or. Rev. Stat. § 731.354 (2026)

Certificate of authority required

✓ current as of May 2026
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      731.354 Certificate of authority required. No person shall act as an insurer and no insurer shall directly or indirectly transact insurance in this state except as authorized by a subsisting certificate of authority issued to the insurer by the Director of the Department of Consumer and Business Services. [1967 c.359 §73]

Notes of Decisions
Cited in 5 cases, 1992–2003 · leading case: Ashby v. Farmers Grp., Inc., 261 F. Supp. 2d 1213 (D. Or. 2003).
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Ashby v. Farmers Grp., Inc., 261 F. Supp. 2d 1213 (D. Or. 2003). · cites it 2× “Indeed, Or.Rev.Stat. § 731.354 provides: “No person shall act as an insurer and no insurer shall directly or indirectly transact insurance in this state except as authorized FGI emphasizes it is not an authorized “insurer.”
Sanders v. Oregon Pac. States Ins., 840 P.2d 87 (Or. 1992). “See generally ORS 731.354 to 731.488 (establishing requirements and procedures for certification to sell specific classes of insurance).”
Aqua-Marine Constructors, Inc. v. Banks, 110 F.3d 663 (9th Cir. 1997). “Or.Rev.Stat. § 731.354. Polaris admits *676 it obtained no such certificate; Polaris was therefore an “unauthorized insurer” under Oregon’s insurance code.”
Nat'l Warranty Ins. v. Greenfield, 24 F. Supp. 2d 1096 (D. Or. 1998). “” ORS 731.354. Consistent with that provision, Oregon defines an “authorized insurer” as “one authorized by a subsisting certificate of authority to transact insurance in [Oregon].”
Derby Ass'n Trust, Inc. v. Dep't of Ins. & Fin., 835 P.2d 149 (Or. Ct. App. 1992). · cites it 3× “Petitioners seek review of an order of the Department of Insurance and Finance (DIF) that concluded that petitioners violated ORS 731.354 1 by transacting insurance business without obtaining a certificate of authority.”
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