Coverage details
If you work with subcontractors or have employees in states other than Oregon, there are additional details you need to know about workers’ comp coverage for those workers.
You’ll also find on this page updated information about special kinds of coverage, such as the endorsements added to cover the risk of loss due to terrorism, earthquakes, and catastrophic accidents.
Sample workers’ compensation policy
Download the Standard Workers' Compensation and Employers Liability Policy that SAIF Corporation provides to policyholders, and get more information about policies.
Terrorism and catastrophic events
As a result of the events of September 11, 2001, the U.S. Congress created a federal backstop for defined “acts of terrorism.”
Extraterritorial coverage
Your SAIF policy covers many situations where you send an Oregon worker to another state to work. It also provides coverage for some workers you bring into Oregon.
Subcontractor coverage
Subcontractors may be considered your subject workers for premium and claim purposes unless they are independently established in business and meet certain conditions.