Like exams, treatment and rehabilitation.
For employee recovery after a work injury.
To teach injured employees new skills if they can no longer do their jobs.
Benefits for employees who can no longer work due to injury.
Workers’ compensation insurance is required for most Oregon businesses that have employees, according to the Oregon Workers’ Compensation Division. This rule applies even if your employees are part-time.
Workers’ compensation insurance can help protect your business from the full financial responsibility of work-related injuries an employee might suffer on the job.
If you don’t carry coverage your business could be vulnerable to potential liability and out of compliance with state laws.
An Oregon workers’ compensation policy can help cover expenses related to:
Workers’ compensation insurance can help pay for an employee’s lost wages if they’re unable to work due to job-related illness or injury. It can also help cover the cost of some medical expenses.
Oregon offers two types of workers’ comp settlements:
Oregon workers’ compensation settlement amounts are agreed upon either by the Oregon Workers’ Compensation Board or the insurer. The statute of limitations for workers’ compensation claims in Oregon is one year from the discovery of the illness or injury.
If an employee dies while on the job, their survivors may be eligible for death benefits through workers’ compensation. In Oregon, workers’ compensation statutes say surviving qualified family members are eligible for monthly benefits. The state also requires insurance companies to pay for depositions and funeral expenses up to a maximum amount.
Workers’ compensation costs vary across industries. Factors that influence price include:
The best way to determine the insurance rate for your business is to get a free instant quote from NEXT.
The first offense can be twice your estimated premium amount, with a minimum of $1,000. Further non-compliance can result in a penalty of $250 per day with no limit, followed by a permanent court injunction.
The Oregon Workers’ Compensation Division sets the guidelines for business exemptions.
The following businesses are not required to have workers’ compensation coverage:
NEXT strives to resolve every claim quickly. Learn more about our claims process and how our claims advocates will work with you after an employee injury.
Start a free instant quote with NEXT.
General liability insurance protects your business from common mistakes or accidents, such as customer injury or damages to someone’s property.
In Oregon, all business-owned vehicles must be covered by commercial auto insurance. If you drive or use your personal vehicle for work, commercial auto insurance helps protect your business from accidents.
Commercial property insurance can provide financial help if your business structures, goods, gear or inventory are damaged or destroyed by a covered event.
Learn more about workers’ compensation insurance options in the state where you work.
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