workers compensation oregonWork Comp For Less Provides Affordable Commercial Insurance Throughout Oregon.

At Work Comp For Less, we provide commercial insurance to businesses of all sizes. Whether you are looking for contractor bonds, workman's compensation insurance, or liability insurance, our commercial insurance agents will help you find the best coverage rates that will protect your business and your employees.

Did You Know?

  1. The State of Oregon requires almost all employers to carry workers' compensation insurance on their eomployees.
  2. Some workers don't have to be covered by workers' compensation, even if they are employees. Below are some common exceptions provided by the State:
  • Sole Proprietors: If you're a sole proprietor, you don't need coverage on yourself.
  • Partners: In construction, exempt partners are limited to two, unless all partners are family members. In other industries, partners are not required to cover themselves. The partners must be real partners, though, with the right to make business decisions.
  • Private Residence Workers: People working for you at your home. This includes workers doing cleaning, home health care, gardening, maintenance, and even remodeling. It doesn't include laborers constructing a new home.
  • Casual Labor: If your total payroll is always less than $500 within any 30-day period, your workers are "casual" and don't have to be covered by workers' compensation. However, if your payroll reaches $500 within any 30-day period, workers' compensation is required from the earliest start date of your current workers.
  • Some Corporate Officers: Corporate officers don't have to be covered by workers' compensation if they also serve on the board of directors and own at least 10 percent of the stock (or an amount equal to the average amount held by all stockholders). Incorporated construction companies are limited to two exempt officers.

Save Money with Our Premier Services

If you're business is located in or around the Portland Metro Area, Salem, Eugene - Springfield, or Medford, give one of our real, licensed commercial insurance agents a call at:


Ashland Office

300 E Hersey Ste 5

Ashland, Oregon 97520


Portland Office

3800 Cedar Hills Blvd Ste 228

Beaverton, Oregon 97225

If you know what type of insurance you are looking for, get a free quick quote today and see how much

Work Comp For Less can save you today.

All information was provided by the Department of Consumer & Business Services. Download their PDF more information about workers' compensation in Oregon




Toll Free - (CA) 877-888-5377 (OR) 866-520-9235 (WA) 877-888-5377