Oregon Workers Compensation Insurance

Coverage Overview

What's Typically Covered

• Medical expenses for work-related injuries and illnesses in Oregon
• Temporary and permanent disability wage replacement benefits
• Employers Liability (Part B) — protects against employee lawsuits
• Death benefits for dependents of fatally injured workers
• Vocational rehabilitation coverage
• Coverage for all Oregon employees — full-time, part-time, and seasonal
• Stop-gap employers liability for states with monopolistic funds

Workers Compensation in Oregon

Oregon has both a state fund (SAIF) and a private workers comp market. Many Oregon employers don't realize they have a choice between SAIF and private carriers — which means they may be overpaying. We shop both to find the most competitive rate for your Oregon payroll and class codes.

Why Class Code Accuracy Matters

Oregon's workers comp system is regulated by the Department of Consumer and Business Services (DCBS). Rates are set annually and vary significantly by industry classification. Oregon uses NCCI class codes. Employers with strong safety records can qualify for experience modification discounts through private market carriers that SAIF may not match.

Why Use an Independent Broker for Workers Comp?

Workers compensation is one of the lines where independent broker value is most tangible. Captive agents can only offer one carrier's rates. As an independent broker licensed in Oregon, we compare multiple admitted carriers and can often identify class code corrections that reduce your premium without reducing your coverage.

We also help manage your experience modification factor (EMR/X-Mod) — the multiplier applied to your base rate based on your claims history. An EMR below 1.0 saves you money at every renewal. We work with you on safety programs and claims management strategies that keep your EMR competitive.