Workers Compensation Insurance
Required by Oregon law — protect your employees and your Central Oregon business.
Oregon law requires workers compensation insurance for virtually all employers with one or more employees. Penalties for non-compliance can reach $250/day.
Workers compensation insurance is required by Oregon law for most employers. It protects your employees if they're injured or become ill due to their work, and it protects your business from potentially devastating liability. Prineville Insurance helps Central Oregon businesses find the right workers comp coverage at competitive rates.
Central Oregon's construction, agriculture, and outdoor recreation industries carry elevated injury risks. Don't wait for an accident to find out you're not properly covered. Call (541) 447-6372 for a free quote.
What Workers Comp Covers
Medical Expenses
Covers all reasonable and necessary medical treatment for work-related injuries and illnesses, including emergency care, surgery, and rehabilitation.
Lost Wages
Replaces a portion of an injured employee's wages (typically 66% of gross wages) while they're unable to work due to a covered injury.
Permanent Disability
Provides ongoing benefits for employees who suffer permanent partial or total disability as a result of a work-related injury.
Death Benefits
Provides financial support to surviving dependents if an employee dies as a result of a work-related injury or illness.
Employer Liability
Protects your business against lawsuits from employees who claim their injury was caused by employer negligence.
Return-to-Work Programs
Many policies include support for modified duty programs that help injured employees return to work sooner, reducing your overall claim costs.
Central Oregon Industries We Serve
- Construction and contractors
- Agriculture and ranching
- Restaurants and hospitality
- Healthcare and medical offices
- Retail and service businesses
- Manufacturing and warehousing
- Outdoor recreation and tourism
- Nonprofits and social services
Frequently Asked Questions
Is workers compensation insurance required in Oregon?
Yes. Oregon law requires virtually all employers to carry workers compensation insurance. Businesses with even one employee (including part-time workers) must have coverage. Sole proprietors and certain family members may be exempt, but we recommend consulting with us to confirm your obligations.
What industries pay the most for workers comp in Oregon?
High-risk industries like logging, construction, agriculture, and manufacturing pay the highest workers comp rates in Oregon. Central Oregon's construction boom and agricultural sector mean many local businesses need specialized coverage. Prineville Insurance shops multiple carriers to find competitive rates even for high-risk industries.
What happens if I don't have workers comp insurance in Oregon?
Operating without required workers compensation insurance in Oregon is a serious violation. The Oregon Workers' Compensation Division can assess penalties of up to $250 per day, and you may be personally liable for all medical costs and wage replacement for injured employees. Criminal charges are possible in some cases.
Can I get workers comp for seasonal or part-time employees?
Yes. Oregon workers compensation requirements apply to part-time, seasonal, and temporary employees. If you hire seasonal workers for harvest, construction, or tourism, you need coverage during the period they're employed. We can help you find cost-effective solutions for variable workforce needs.
