Out-of-state coverage

Coverage when working out of state

NOTICE: The information below is provided for reference purposes only. It should not be construed as legal advice or interpretation of other states’ laws and rules. The information listed for any particular state may not be up-to-date as statutes, rules, and agreements may have changed. Employers are responsible for understanding and complying with each state’s requirements and should not rely solely on the information below.

Out of state coverage for Oregon employers

Oregon workers’ compensation insurance provides benefits for injured Oregon workers, including workers on temporary assignment in other states. However, some states still require Oregon employers to obtain special coverage for workers on temporary assignment.

Whether an Oregon employer needs special coverage depends on whether the other state has reciprocity with Oregon.

When Oregon and another state have reciprocity, employers from Oregon do not have to obtain special coverage for workers on temporary assignment in the other state. Workers who are injured on temporary assignment in a reciprocating state are only entitled to benefits under the workers’ compensation laws of Oregon. Some states that reciprocate with Oregon have restrictions for certain industries or situations. When a state does not have reciprocity with Oregon, an Oregon employer is usually required to buy an insurance policy specific to that state to cover workers on temporary assignment.

State-by-state coverage and contact information is provided below. If you are an Oregon employer who intends to temporarily assign workers to another state, you should go to that state’s website or contact its workers’ compensation agency directly to learn more about the requirements you must meet. You should also contact your insurer before beginning work in the other state.

Reciprocity only applies to workers on temporary assignment. If an Oregon employer opens a permanent location in another state and hires workers, that employer would always have to obtain coverage in accordance with the laws of that state.

Oregon coverage for out-of-state employers

Oregon has agreements with several states which affect how claims for out-of-state injuries are handled. When one of these agreements is in place, it is noted in the information for that state.

Reciprocates

Restrictions

Does not reciprocate