Workers’ Compensation

Home / Business Insurance / Workers’ Compensation
Business Insurance

Oregon workers’ compensation, placed and managed properly.

Required for nearly every Oregon employer with employees. The premium you pay depends on your class codes, your payroll and your experience modifier, and all three are worth checking before you renew.

Get a Quote
The Basics

Most of what you pay is decided before the quote.

Workers comp pricing runs off class codes assigned to your payroll, multiplied by rates, adjusted by your experience modifier. Misclassified payroll is the single most common reason a business overpays, and it usually goes unnoticed for years because the audit confirms the same wrong code annually.

We review classifications before we market the account, and we help you prepare for the year-end audit so it does not produce a surprise invoice.

  • Class code review before marketing your account
  • Experience modifier review for errors
  • Audit preparation and dispute support
  • Certificates for general contractors who require them

What Drives Your Premium

  • • Class codes assigned to each employee
  • • Total payroll by classification
  • • Your experience modification factor
  • • Claims history over the rating period
  • • Use of subcontractors without coverage
What’s Included

What workers’ compensation covers

Medical Benefits

Treatment costs for an employee injured on the job, with no deductible to the worker.

Wage Replacement

Partial income while an injured employee is unable to work.

Disability Benefits

Temporary or permanent disability benefits depending on the injury.

Employer’s Liability

Defends the business against suits related to a workplace injury.

Return-to-Work Support

Carrier programs that get employees back on light duty sooner, which lowers claim cost.

Death Benefits

Benefits to surviving dependents after a fatal workplace accident.

Common Questions

Workers’ Compensation FAQs

Do I need workers comp in Oregon?
Oregon requires coverage for nearly all employers with employees, with narrow exemptions. Requirements around corporate officers and family members are specific, so it is worth confirming your situation rather than assuming an exemption applies.
What about subcontractors?
If a subcontractor cannot produce a valid certificate of insurance, their payroll can be charged back to you at audit. Collect certificates before work starts, not at year end.
What is an experience modifier?
A factor comparing your claims history to businesses of similar size and classification. Below 1.0 lowers your premium, above raises it. Errors in the underlying data are more common than people realize and are worth auditing.
Why did my audit bill come back so high?
Usually payroll growth, misapplied class codes, or uninsured subcontractors added to your payroll. We review the audit worksheet with you and dispute it where the numbers do not hold up.

Let’s review your workers’ comp before renewal.

Class codes, mod factor and audit exposure, checked by people who do this daily.

Get a Quote