Workers’ comp
Required in Oregon the day you hire someone.
Oregon requires workers’ compensation coverage for nearly every employer with employees, with a narrow set of exemptions. The penalties for going without are significantly worse than the premium.
Class codes drive everything
Your premium is built from payroll and classification. Miscoded payroll is the most common reason a business overpays.
Private market and SAIF
Oregon has both. We quote across private carriers and SAIF rather than assuming one is right for you.
Experience modification
Once you have claims history, your mod follows you. Managing it is a multi-year project, and worth starting early.
Owners and officers
Exemption rules for owners, officers, and partners are specific. Getting this wrong cuts both ways.
Questions we get
Common questions about workers’ compensation
Do I need it for one part-time employee?
Generally yes. Oregon’s requirement turns on employment, not hours, with limited exemptions. Confirm your specific situation with us or the Workers’ Compensation Division before assuming you’re exempt.
Are subcontractors covered?
Sometimes they become your responsibility if they don’t carry their own coverage — and an audit will find it. Collect certificates from every sub.
What happens if I don’t carry it?
Oregon can assess penalties and hold the employer directly liable for claim costs. It is not a risk worth carrying.
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