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    Protect your business and employees with Oregon workers' comp

    Oregon workers' compensation insurance is an important safety net for people who get injured or sick because of their jobs. It also helps businesses reduce liability and follow employment laws in a state known for its adventurous spirit and commitment to fairness.

    Learn more about workers' compensation insurance and see how experts at Progressive Commercial can help protect your business.

    Who needs workers' compensation insurance in Oregon?

    Most businesses with one or more employees have to carry workers' compensation insurance in Oregon. According to the Oregon Workers' Compensation Division, if you employ workers in the state, you probably need coverage.

    Oregon workers' compensation insurance exemptions

    Some employers are exempt from Oregon workers' compensation rules, including those who hire:

    • Gardeners, maintenance workers, and remodeling services for their private home
    • Personal domestic staff
    • Casual workers outside of the employer's profession
    • Volunteers
    • Sole proprietors

    Even if Oregon workers' compensation laws don't apply to you, getting a policy can protect your team and business. Your employees will have access to benefits if they get hurt or sick because of their job, and your company can avoid lawsuits related to workplace accidents.

    Read more about Oregon workers' compensation exemptions.

    What are the penalties for not having workers' comp in Oregon?

    Businesses that need Oregon workers' compensation insurance can be penalized for not having it. For example, they could be fined twice the yearly amount they should have paid, with a minimum fine of $1,000. Companies can also face extra charges of $250 for each day they're not compliant. Going without coverage for a long time could lead to serious sanctions, like jail.

    Learn more about workers' comp penalties in Oregon.

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    How much is workers' comp insurance in Oregon?

    • Job classification code: The National Council on Compensation Insurance (NCCI) sets workers' compensation class codes for jobs based on risk.
    • Payroll: Oregon workers' comp rates are typically calculated per $100 of your business's total payroll. The higher your payroll, the more your policy costs.
    • Claims history: If you have more claims than average for your industry, your premium will probably be higher. Fewer claims can lead to reduced rates.
    • Insurance carrier: Some Oregon workers' compensation insurance companies can offer different rates based on their risk assessment and other criteria.

    How can you get workers' comp in Oregon?

    There are several options for getting Oregon workers' compensation insurance, including:

    • Private insurers: Many businesses purchase Oregon workers' comp through private companies that can customize coverage and offer benefits and discounts.
    • Self-insurance: Single employers or a group of employers can apply for self-insurance with the state's Department of Consumer and Business Services. Self-insurance can help save on Oregon workers' comp rates, but the tradeoff is taking on all financial risk.
    • Oregon Assigned Risk Insurance Plan: Some companies can't get private coverage or self-insurance because they're new, high risk, or have an extensive claims history. In these cases, coverage is available through the Oregon Assigned Risk Insurance Plan, which is administered by the NCCI.

    How does workers' comp work in Oregon?

    According to Oregon workers' comp rules, employees have up to ninety days after an accident to report an injury. The employer then has five days to file a claim with their insurance company. If approved, the worker gets financial support based on their weekly earnings.

    Common Oregon workers' compensation benefits include:

    • Medical expenses
    • Disability benefits
    • Lost wages
    • Rehabilitation costs

    Oregon state workers' compensation also helps employers. For example, it provides a process for resolving disputes related to an employee's injury. It also protects businesses from fines and lawsuits because employees who accept this benefit typically can't sue.

    Find out how to file a workers' comp claim in Oregon.

    Oregon workers' compensation statute of limitations

    Even though employees must file Oregon workers' compensation claims within ninety days of an accident, there are some cases where the statute of limitation extends to one year, such as:

    • The employer already knew about the injury or death
    • The worker died within 180 days of the accident
    • There was a valid reason for not notifying within 90 days

    Explore workers' comp law in Oregon to learn more about the statute of limitations.

    Why choose Oregon workers' comp through Progressive Commercial

    Progressive Commercial has decades of experience supporting business owners like you. When you choose us, you get access to tailored coverage, competitive pricing, and advice you can trust.

    Call us to talk to an agent or start an online quote today.

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    Start a quote to get Oregon workers' compensation insurance

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