Workers' Compensation by state

Workers' compensation requirements in Oregon

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Direct answer

Does Oregon require workers' compensation insurance?

Yes. Oregon requires workers' compensation coverage once a business has one or more employees, under the Oregon Workers' Compensation Law. Oregon requires most employers with one or more employees to carry workers' compensation coverage. Coverage can be obtained from private insurers, SAIF Corporation, or an approved self-insurance program.

Reviewed by Cornerstone Staff28 years of financial services state licensing experienceLast verified July 29, 2026

How the mandate works

Oregon requires most employers with one or more employees to carry workers' compensation coverage. Coverage can be obtained from private insurers, SAIF Corporation, or an approved self-insurance program.

Coverage trigger: One or more employees
If you go without coverage: Operating without required coverage can bring civil penalties, work-stop orders, and personal liability for an injured worker's claim.

Notable exemptions

Exemptions are narrow and fact-specific; confirm your situation with the regulator or an agent before relying on one.

Sole proprietors, partners, and certain corporate officers and LLC members who may elect coverage
Some casual labor below statutory pay thresholds
Certain domestic and gardening service in a private home

Statutes and sources

Oregon Workers' Compensation Law

Or. Rev. Stat. sect. 656.001 et seq.

Regulator: Oregon Workers' Compensation Division . Last verified 2026-07-29 from the official source .

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