How does workers' comp work in Oregon?

In Oregon, the rates on different class codes vary considerably between insurance companies. This makes it very important for employers to shop their policy with as many carriers as possible. The state of oregon recommends employers to shop their coverage with independent agencies who can offer quotes from 3 or more providers. We partner with more than 15 providers. This gives us a distinct advantage not many agencies have. We can give your business options from more providers and in turn find you better coverage at better rates.

The Department of Insurance allows insurance companies to issue credits and debits on policies up to 25%. If you are not shopping your coverage you could be missing out on huge discounts.

Call today to speak with one of our experts at 888-611-7467.

Workers' Comp Rules & Information for Oregon

State Insurance Directives Regarding Covid-19

Insurers cannot nonrenew or cancel liability coverage for child care facilities if the business justification for the cancellation/nonrenewal is an increased hazard due to COVID-19.

Mandatory order for all comercial liability carriers in effect from 03/25/2020 until further notice.

State Orders Regarding Insurance Claims Related to Coronavirus

Payments to employees furloughed or placed on administrative leave as a result of COVID-19 shall be classified as vacation time and excluded from payroll reported to workers compensation insurers for the for the purposes of calculating the premium basis. Vacation time is not an appropriate classification for sick leave or for employees teleworking or otherwise incurring risk covered by workers’ compensation insurance.  Employers will need to separately track furlough payroll in sufficient detail for insurers to preform premium audits and insurers are required to inform employers of what information is necessary to perform premium audits and develop a plan to help employers comply.

Mandatory state law for Oregon. Effective 04/10/2020 untill further notce.

Oregon Dept. of Consumer and Business Services

Workers' Compensation Division
350 Winter St NE, Rm 27
PO Box 14480
Calem, OR 97309-0405

Oregon State Accident Insurance Fund (SAIF)

SAIF is a not-for-profit, state-chartered workers’ compensation company. They aim to make workers’ compensation insurance affordable and available to the employers of Oregon and strengthen the Oregon economy by helping to keep workers’ compensation insurance costs low. All while keeping the workplace safe for the worker's of Oregon.

What is Workers' Compensation?

The basic purpose of the Workers’ Compensation is to provide wage replacement benefits and medical treatment for employees who have been injured or become ill due to a work-related injury or illness. It prevents the employer from bearing the costs of injuries that occur during normal business operations.

How does workers comp help my business?

Your business benefits by not being liable for injuries that occur as a part of normal business operations. This applies whether the injury was the fault of the business or was caused by negligent actions of the employee.

How does workers comp help my employee?

Employees benefit from workers comp coverage by having lost wages covered while they are hurt or sick and not able to work. It also pays for medical costs they might incur as a result of the sickness or injury.

More Programs and Options

We're always working with our insurance carriers to develop specialized programs for a broad range of industry class codes. Our Target Programs are designed to streamline the underwriting process and help ensure we offer the lowest rates available anywhere.

  • Contractors
  • Home Health Care
  • Janitorial Services
  • Transportation
  • Hospitality
  • And More
OR Work Comp Compliance

Strict Penalties for Noncompliance

Employers that do not purchase workers compensation will likely receive a notice of non-compliance from the Oregon Division of Workers Compensation. The penalty for the first offense is two times the amount of premium (minimum $1000). Employers are also liable for the cost of any claims and an additional $250 per day without coverage.

Let Workers Compensation help your business navigate workers comp insurance in Oregon.

What Does Workers' Compensation Insurance Cover?

Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.
Injuries and accidents happen. A workers' comp policy is a no-fault system that pays for these accidents and claims. It's required by law in most states.
  • Loss of income for employees unable to perform job duties
  • Medical expenses for employees injured on the job
  • Retraining expenses for employees unable to return
  • Permanent injury or disability for lasting injuries
  • Survivor benefits if employees are killed on the job
Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.
In some instances, workers' compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.
  • Injuries resulting from a violation of the law
  • Incidents resulting from employees' use fo drugs or alcohol
  • Injuries that did not occur in connection with the job
  • Clear company policy violations
  • Injuries that did not occur in connection with the job

Workers' Comp Includes Employers Liability Insurance?

Employers liability insurance is an additional layer of coverage included as part of a workers' compensation insurance policy. Employers Liability is know as Part 2 of the policy. It adds two additional coverages for employers:

Employers Legal Liability and Legal Defense Costs

In todays world, there are a variety of reasons employees and third-parties sue employers for damages. Here a some common types covered by employers liability insurance:

Third Party Lawsuits

Your employee sues another party that may have contributed to the injury, In turn, the third party sues your business.

Consequential Bodily Injury

Another party or individual is injured while providing care for the injured employee.

Dual Capacity Legal Action

An employee files a claim but also attempts to sue the employer for being responsible in other ways outside of the employment relationship.

Loss of Consortium

A spouse sues for damages caused by the loss of companionship or relations.

Employers Liability coverage is not included with coverage in the four monopolistic states. Employers in these states can endorse this coverage onto their General Liability policy. That coverage is commonly know as Stop Gap Coverage.

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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