Oregon has a voluntary competitive market with more than 400 companies approved to sell workers’ compensation insurance.
Some ways to buy coverage include:
- Contact an insurance agent. You may first want to contact the agent who handles your business, homeowner, or automobile insurance. Your agent may be able to place your workers’ compensation coverage with the same company or write a business package that includes workers’ compensation coverage.
- Call the Small Business Ombudsman.
- Search the Internet and the Yellow Pages.
- Use the NAIC's State Based System (SBS) Lookup Search to find information about an insurance agent, agency, or insurance company's license status in Oregon: Search Jurisdiction and Search Type (licensee, company)
Assigned risk plan
If an insurance company denies you workers’ compensation coverage, you may apply to the Assigned Risk Plan. The National Council on Compensation Insurance (NCCI) administers the plan. Call 800-622-4123, ext. 6240, for an application. Your insurance agent may help you complete the application.
If you have coverage with the Assigned Risk Plan, you can still try to find coverage with voluntary market insurers who may offer a lower rate. Once you find an insurer that will provide coverage, you must give your current insurer 30 days’ written notice that you are canceling. You should not be penalized for canceling the policy.