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Find Workers Compensation Insurance in Oregon

Compare Workers Compensation Insurance in Oregon
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How much does Workers Compensation in Oregon cost?

The cost of workers compensation insurance in Oregon can vary widely based on several factors. Business size, industry, and amount of coverage all affect the cost of workers compensation premiums in Oregon. For example, the cost of a workers comp policy for a manufacturing company with 125 warehouse employees will be very different from a workers compensation policy for a hardware store with 3 employees. Other considerations such as the type of labor performed, heavy equipment, risk, and claims history also help determine the cost of workers compensation coverage in Oregon. A licensed insurance advisor will be able to identify workers compensation discounts in Oregon that you may qualify for, along with discounts for bundling workers compensation in Oregon.

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What does Workers Compensation cover in Oregon?

  • Medical expenses due to workplace injury or sickness.
  • Lost wages due to workplace injury or sickness.
  • Costs to retrain injured or sick employees returning to work.
  • Related legal fees and settlements.
  • Wages for a temporary worker.

What does Workers Compensation not cover in Oregon?

  • Medical costs for certain non-traditional employees, including unpaid workers (i.e. interns or volunteers).
  • Horesplay, negligence, and Intentional acts that cause injury or illness
  • Illegal activities at the worksite that result in injury or illness.
  • Injuries and accidents that occur during an employee’s communte to/from work.
  • Employees who are injured while violating company policies, procedures, and protocols.

Who needs Workers Compensation in Oregon?

Workers comp is a must if you have full or part-time employees, or you hire seasonal staff during peak times within the state of STATE. Workers comp is a mandatory requirement for employers in 48 states (it is optional for employers in certain industries in TX and OK), but virtually every employer in every state has this crucial form of coverage. Workers compensation insurance in STATE covers your employees if they suffer an injury or become ill while on the job. Accidents do happen, and your employees will receive financial coverage for missed wages and medical expenses for mishaps that happen at work. It also protects you from lawsuits stemming from employees for workplace conditions that are alleged to cause harm.

State of Oregon Workers Compensation requirements.

STATE has multiple regulations concerning workers compensation across a wide swath of industries operating within the state. The size of your business, the industry, and the number of employees will have the biggest role in determining workers comp in STATE requirements. Workers compensation is one of the most common insurance coverages in STATE. There are several factors that will mandate workers compensation insurance in STATE. A licensed insurance advisor will be able to determine if your business falls within any of these requirements and if any exemptions are applicable.

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