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Commercial insurance options
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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.
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.
Some employers are exempt from Oregon workers' compensation rules, including those who hire:
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.
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.
Oregon workers' compensation insurance cost depends on variables like:
There are several options for getting Oregon workers' compensation insurance, including:
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:
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.
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:
Explore workers' comp law in Oregon to learn more about the statute of limitations.
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.