Oregon workers' compensation rates see slight decrease in 2024.

Rates for Workers' Compensation Insurance in the state of Oregon are very low compared to most other states. On average, Oregon rates are about 27% lower than the national average. Oregon workers' comp rates have decreased by more than 10 percent since 2016. Oregon ranks in the top 10 least expensive states for workers' comp coverage.

Oregon is an NCCI state like most other states. This means that NCCI oversees employers' experience modifiers and collects all data for the state including claims, class codes, premiums, and payroll. They analyze this data and make annual recommendations to carriers and to the Oregon Department of Insurance. Every Insurance company is required to file their rates with the state for approval each year.

Workers' compensation rates do vary for the same class codes in Oregon because insurance companies can apply policy credits and debits up to 25% to adjust their filed rates. More discounts may also be added to a policy depending on the size of payroll and overall claims experience.

Don't pay too much for your workers' comp coverage. Our agents will find your best deal. Our technology tracks carrier rates by state and compares their pricing in real-time. Find out how knowledegeable agents, better advice and more options lead to lower rates and a better price.

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Workers Comp Rates are an Art & Science

What influences my workers comp insurance cost?

Your State & Class Codes

Insurance companies file their "base manual rates" for approval with each state for all class codes. Rate recommendations are generally made to the state and carriers annually by the National Council on Compensation Insurance.

Your Claims or Losses

Employee claims are reported to NCCI and statistically compared with all other similar type businesses using the same class code in each state. An Experience Modification Rate may apply to your business after a few years of coverage.

Prior Experience & Coverage

Insurance company underwriters are permitted to make premium rate adjustments based on unique factors about your business, safety practices, and management experience in most states.

Policy Credits and Debits

Insurance companies may apply policy credits and debits to the base manual rates. Additional discounts can be applied to premium as the total payroll & premium increases.

Smart Agents with expertise in workers' compensation insurance utilize this information to negotiate your insurance rates with underwriters. A good narrative about your business helps insurance companies justify a better price.

Oregon Rates for Select Work Comp Class Codes

Rates for State Class Codes. Select Codes Listed:

The workers' compensation rates listed below for Oregon represent the lowest and highest insurance rates for 2023. Oregon rates are set by the Oregon Workers' Compensation Division with oversight from the Department of Consumer and Business Services. Insurance companies doing business in the state are permitted to offer premium discounts and scheduled credits up to 25% on workers compensation policies. We offer Pay As You Go work comp coverage in Oregon. Not all employers will qualify for the lowest rates available or maximum policy credits. Compare your workers' compensation rates with over 35 insurance carriers.

Class Code & Description Low Rate High Rate
0035 Farm-Planting & Harvesting-Cannabis Growers $1.36 $2.87
0042 Landscaping Service $3.28 $6.93
0106 Tree Trimming-Pruning-Removal $6.56 $13.85
0917 Residential Cleaning Services-Housekeepers $2.70 $5.70
2121 Breweries-Craft Beers $0.87 $1.84
2143 Winery-Wine Makers $1.20 $2.53
2592 Dry Cleaning & Laundry Service $2.15 $4.54
2592* Carpet Cleaning $2.15 $4.54
3632 Machine Shop $1.49 $3.15
3724 Garage Door Installation $1.74 $3.67
3821 Salvage Yard-Auto Recycling $2.73 $5.77
5022 Masonry Construction $3.64 $7.68
5102 Door & Window Installers $2.35 $4.96
5183 Plumbing Contractors $1.49 $3.15
5190 Electrical Work-Electrician $1.27 $2.68
5221 Concrete Work-Flat Work Cement $2.23 $4.70
5223 Pool Installation & Maintenance $3.17 $6.70
5348 Ceramic, Tile & Stone Work $2.97 $6.27
5437 Trim-Finish Carpenters-Cabinets-Countertops $2.60 $5.50
5445 Drywall Contractors $4.82 $10.17
5474 Painting Contractor $3.89 $8.22
5478 Floor Installers-Wood-Carpet-Laminate $2.97 $6.27
5535 Metal Building Construction $2.80 $5.92
5537 HVAC-Heating & Cooling Service/Repair $2.08 $4.40
5537* Solar Energy Contractors-Installation $2.08 $4.40
5551 Roofing Contractors $7.53 $15.90
5606 Asphalt & Paving Work $0.38 $0.79
5645 Residential Construction-Home Builders-Remodelers-Siding $7.61 $16.07
6217 Excavation & Grading Work $2.21 $4.67
6400 Fence Installation & Repair $3.30 $6.97
7219 Trucking-Short & Long Haul $4.32 $9.12
7225 Towing Company $4.33 $9.14
7230 Package & Parcel Delivery $8.31 $17.55
7370 Non-Emergency Medical Transport-Taxi-Limo-Airport Shuttle $3.22 $6.80
7605 Security Guards & Patrol Officers $1.32 $2.79
7720 Security Guards- Patrol Officers $1.76 $3.72
8006 Gas Stations-Convenience Stores $1.05 $2.22
8017 Retail Stores-Merchandise-Cannabis Dispensary $0.61 $1.29
8292 Warehousing & Storage Facility $2.98 $4.18
8380 Auto Service & Repair-Mechanic $1.42 $3.00
8393 Auto Body Repair $1.07 $2.26
8742 Sales Professionals $0.13 $0.27
8810 Clerical-Office Employees $0.07 $0.19
8824 Retirement Living Centers-Congregate Communities $1.57 $3.32
8826 Nursing Homes & Assisted Living Facilities $1.04 $2.20
8831 Animal Shelters & Kennels-Veterinarian $0.74 $1.56
8832 Medical Office-Doctor-Dentist-Chiropractor-Optometrist $0.19 $0.40
8835 Home Healthcare Workers $1.34 $2.83
8842 Group Homes-Temporary Shelters $1.30 $2.75
8864 Social Service Organizations-Counseling-Family Services $1.15 $2.43
8868 Religious Organization-Church-Temple $0.21 $0.44
8869 child Care Center-Daycare Providers $0.60 $1.27
9012 Property Management-Leasing Agent $0.40 $0.84
9014 Janitorial Service Contracctors-Pest Control-Exterminating-Chimney $2.02 $4.27
9015 Building Maintenance-Campgrounds-Camps-RV Parks $1.80 $3.80
9052 Hotels & Motels $1.54 $3.25
9060 Golf Courses & Country Clubs $0.77 $1.63
9063 Fitnes Center-Health Clubs-YMCA Programs $0.45 $0.95
9079 Restaurants & Catering $0.71 $0.50
9079* Mobile Food Truck-Food Cart $0.71 $1.50
9079** Fast Food Restaurant-Concessions-Doughnut Shop $0.71 $1.50
9079*** Bars- Taverns-Nightclubs $0.71 $1.50
9102 Lawn Service & Maintenance $1.87 $3.95
9180 Shooting Range-Amusement Park $4.18 $8.83
9402 Septic Tank Cleaning-Portable Toilets $3.00 $6.34
9403 Refuse Collection-Garbage-Trash Service $2.74 $5.79
9516 Electronic Equipment Repair & Service $1.65 $3.48

Oregon workers compensation rates vary by insurance company underwriting guidelines and work comp classification codes. Employers' who have an Experience Modifier (EMR Rating) assigned to their business may have additional credits or debits applied to their insurance rates based on prior premiums and workers' compensation losses. The State Fund in Oregon is SAIF Corporation. Employers who are unable to buy coverage from a private insurance carrier may purchase a policy from SAIF. Get quotes for Oregon or get help finding a multi-state policy for your business.

State Resources for Oregon

Oregon State Fund

SAIF Corporation
400 High St SE
Salem, OR 97312

Oregon Department of Consumer and Business Services

Department of Consumer and Business Services
350 Winter St. NE, Rm. 27
PO Box 14480
Salem, OR 97309-0405
(503) 947-7810

Oregon is under the Jurisdiction of the National Council for Compensation Insurance (NCCI) and contracts with Travelers as the state fund carrier.

Our agency helps employers find guaranteed state fund workers' comp in OR. If we can't find more affordable coverage with a private insurance company, we can help you buy a state fund policy.

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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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