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Oregon Workers' Compensation Insurance

Learn everything you need to know about worker's compensation insurance in Oregon.

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We’re available when you are – online and on your schedule. In less than 5 minutes, you could be on your way to a work comp quote.


Easy Process

Our proprietary online quoting tool makes it easy. Just answer a few simple questions about your business.


Affordable Rates

As an independent agency, we can shop around our network of carriers, and deliver the best quote to you.


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Every policy backed by leading insurance carriers known for their financial strength and customer service. All our carriers have earned a rating of A or higher by A.M. Best.


Trusted by Thousands

Since 2012, WorkCompOne has helped thousands of small businesses get the coverage they need to stay in compliance and protect their employees.


Made for You

It's work comp, simplified for small business. Our online platform allows top national carriers to serve all businesses – even those with less than 10 employees.

Small Business Work Comp Requirements in Oregon

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.

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.

Oregon Workers’ Compensation Rates and Coverage

Oregon workers’ compensation rates are among the lowest in the country. 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 paid 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 Workers’ Comp Resources

How to Buy Small Business Workers’ Compensation Insurance


1. Request Coverage

We've made it easy. Answer a few simple questions about your business, employees and payroll. 


2. Review Your Quote 

Receive an online quote from one of our top-rated carriers. all rated A or higher by A.M. Best.


3. Purchase Your Policy

Some policies can be purchased online that same day — for near-instant coverage. 

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.


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