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2020 Oregon Coverage Information

    In the state of Oregon it is a requirement for all employers who employ one or more full or part time workers to carry Workers' Compensation Insurance.

    Sole Proprietors and Partners are excluded from coverage but may elect to be included. In the Construction Industry exempt partners are limited to 2 unless all partners are related family members ( parent, daughter, son, daughter-in-law, son-in-law, grandchild, spouse, sibling).

    Corporate Officers are included, but may elect to exclude themselves from coverage. Corporate officers do not have to be included if the serve on the board of directors and own at least 10 percent of the company stock.

    Construction Industry corporations are limited to 2 exempt officers except for family run operations who may be offered additional exemptions. There are also some exceptions for family run farms and timber operations.

    Most LLC Members are excluded from coverage, but have the option to be included.

    Bonuses, vacation pay, and profit sharing does not apply towards workers comp premium calculations.

2020 Payroll Limits & Owner Exclusion Requirments

    Sole Proprietors, Partners and LLC members if included for coverage must use an annual payroll of $52,400 (As of 1/1/2019).

    Corporate Officers included in coverage must do so at an annual payroll of no less than $52,000.00 and no more than $208,000.00 (As of 1/1/2019).

Workers' Comp Insurance Varies by State- Know the Law

Every state has their own rules for how employees must be covered and how they must be classified for rating purposes. A lot of states use state specific class codes and have different requirements for who is obligated to carry workers' compensation insurance coverage.

If you have employees that travel out of state for work, or they work in multiple states throughout the year, you may need to purchase insurance for all the states where your workers are located and working. In most cases, you can add multiple states to one policy.

Workers' Compensation Insurance in Oregon can be purchased from private insurance companies authorized by the state to provide coverage. The Assigned Risk Pool, or State fund coverage, is available for employers who are unable to find coverage from a private company. can help you navigate your best options.

Policy premium is based on numerous factors including: class codes assigned to your business and employees, estimated payroll, covered states, prior policies, owner experience and claims.

Enjoy the benefits of our Pay As You Go Workers' Comp Options in Oregon.

$O Deposit or Minimum Down

We've developed Pay As You Go worker compensation programs that reduce or eliminate premium deposits and allow Oregon employers to report and pay premium based on actual payroll wages. Reduce your audit risk.

Lower Monthly Payments

We've negotiated special terms with many of our insurance partners to offer more flexible payment options like 12 equal installments plans and monthly reporting programs to help improve cash flow for our business owners.

Tough Class Codes

We help Oregon employers with hard to place workers' compensation class codes. With a diverse line-up of insurance partners, we are able to shop your work comp coverage in order to find the best deals for your industry and business type.

Quote Oregon Workers Compensation With Us

Oregon WC Rates

Rates on Workers' Compensation Insurance in the state of Oregon are very good. On average they are 26 percent lower than the national average. These rates have decreased by 10 percent since 2016. Even though employers enjoy such great rates many businesses are still not taking advantage of everything available to them to get the most out of their work comp policy.

Need Help With Oregon Class Codes?

Insurance rates vary significantly between NCCI classification codes. Let our Oregon Workers Compensation Specialists help you determine your correct workers compensation classification codes before you buy a policy. We'll help make sure your business is properly covered at the very best price and lowest insurance rates.

Quick Workers Comp Quotes

We make the process of getting workers compensation quotes fast and easy. We know your time is valuable. That's why we work harder to streamline the quote process, compare your rates and coverages, and present your best options as quickly as possible. We often have your insurance quotes ready in less than 24 hours.

Shop Over 35 Insurance Carriers

We're a National Agency, and we have tons of carriers offering work comp in Oregon. We have access to over 35 insurance companies with a diverse appetite and competitive rates. Our markets know we expect the lowest rates, bigger discounts, and more policy credits when we request a quote.


Did you know that the cost of a workers comp policy in Oregon can vary significantly between insurance company, underwriter, and insurance agency?
Find the best deal on workers compensation insurance.
Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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