All Oregon businesses with employees must carry workers’ compensation insurance.
The Oregon workers' compensation system was established in 1914. Workers’ comp aims to prevent or reduce worker injuries by incentivizing employers to provide safe workplaces; provide medical treatment and benefits to injured workers; and resolve disputes.
Oregon workers’ compensation rates are among the lowest in the country, and will decrease again in 2019. This is the sixth-straight year costs are decreasing, and is the result of lower costs associated with medical care and work comp claims.
In 2019, Oregon employers will pay an average of $1.12 per $100 of payroll for workers’ compensation insurance. Rates are set by class code, or industry, and advised by the National Council on Compensation Insurance (NCCI). NCCI is a national rate-making organization licensed by Oregon and many other states across the country.
Years in business, claims history and other individual factors can determine the final cost of a work comp insurance premium. Learn more about workers’ compensation rates.
Oregon has a private market, which allows employers to purchase workers' compensation insurance from any insurance carrier or agency licensed to write in the state.
Oregon also has a state fund that competes with the private market. You can contact SAIF Corporation if you are unable to secure coverage from a private insurance carrier.
If an insurance company denies you workers’ compensation coverage, you may apply to the state’s Assigned Risk Plan, which will provide you with coverage.
Nearly all workers are protected under Oregon workers’ compensation law, unless they are specifically exempted. However, coverage only applies within state borders.
If workers are injured while working temporarily out of state, Oregon workers’ compensation coverage may not apply. Check if the state has a reciprocal agreement with Oregon, which extends coverage, and if there are any exceptions to this extra-territorial coverage. Otherwise, the employer must buy an insurance policy specific to that state.
Editor’s note: Last updated November 19, 2018