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Certificate of coverage
Obtain a certificate of insurance for proof of coverage.
News and tips email archive
At SAIF, we're passionate about helping Oregonians create safe and healthy workplaces. One of the ways we do that is by sharing information—when, where, and how you need it.
Other states coverage
If permitted by the other state’s law, coverage for Oregon employees working temporarily in other states is provided under your SAIF policy.
Nondisabling Claims Reimbursement program
Nondisabling Claims Reimbursement program
Renewing your policy
Renewing your policy
Changes to your policy
Changes to your policy, business address, ownership, name
Subcontractors
What contractors need to know about workers' compensation requirements for subcontractors.
Drivers of leased trucks
Drivers of leased trucks
Leased workers
Workers provided to an employer by a worker leasing company through a contractual agreement and for a fee are considered leased workers.
Out-of-state workers
Your SAIF insurance policy covers many situations where you take an Oregon worker to another state to work. It also provides coverage for some workers you bring into Oregon
Telecommuters
Telecommuters may or may not be covered by your standard SAIF policy. This section describes the circumstances for inclusion in your policy and payroll reporting requirements for workers who telecommute.
Volunteers
Volunteers of political subdivisions – public entities such as cities or school districts – are not automatically covered by the subdivision's workers' compensation policy.
Longshore and harbor workers
Longshore and harbor workers are not automatically covered under your standard workers' comp policy. SAIF only provides coverage under the U. S. Longshore and Harbor Workers' Compensation Act (L&HWCA) if we receive and accept a written request.
Employers' liability insurance
Employers' liability insurance—with limits of $500,000 per accident and occupational disease—is part of the standard workers' comp insurance policy.
Waivers of subrogation
Under a waiver of subrogation, the insurer (that's SAIF) gives up the right to seek recovery from a third party who may have caused the injury to your worker
Management contact list
See below for contact info for upper managers whose departments work with SAIF-appointed agents.
Advisory councils
Our Agents’ Advisory Councils are a way to share news and ideas and expand communication between us and agents. We encourage you to contact your area representative.
Keeping rates low
So you’d like to help lower your clients’ rates, but don’t have a lot of extra time to devote to it. Here are a few quick tips that could help.
Workers' comp group insurance
Our workers' comp group insurance program is the largest in the state. If you're looking for more ways to save on your workers’ comp insurance, ask us about group coverage.
Proposal materials
Our proposal materials exemplify our leadership in providing valuable tools to improve workers' comp insurance.
Out-of-state workers
If you have workers in other states—or bring workers to Oregon from other states—you'll need to determine if your Oregon workers' comp policy covers these workers or if you must obtain workers' comp insurance in the other states, and how to report pa...
Getting a quote
Applying for SAIF workers' comp coverage for your clients is easy.
What is workers' comp?
In short, workers' compensation insurance provides benefits for workers who are injured or become ill as a result of their work.
Broker of record information
Information on SAIF's broker of record policies
Attending provider guidelines
Attending provider guidelines
Post-closure treatment
Post closure treatment
Treatment plan requirements
Treatment plan requirements, treatment plan, treatment plans,
Claim status
Claim status
Reporting a workplace injury
As you know, medical treatment for a workplace injury must be reported to the insurer in order for the claim to be reviewed quickly.
IMEs
Independent medical examinations (IMEs) are performed by a physician or other health care provider who is not involved in the injured worker's treatment. IMEs are done at the request of the insurer to clarify medical or legal issues.
Claim closure
Claim closure
How to file a work injury claim
If you are injured on the job, you won’t receive any benefits until you file a work injury claim. Find out how to do that, and more.
Longshore claims
If you’re a longshoreman or harbor worker, you will need to file federal forms from the U.S. Department of Labor, because federal workers’ comp laws apply.
Workers' comp for homecare and personal support workers (including PCA and ICP providers)
SAIF provides workers' comp coverage for home health care workers. Learn more about your coverage and how to file a claim through the Oregon Home Care Commission.
Fatal claims
Because we know how devastating and difficult a fatal workplace injury is for family members, SAIF has experienced teams dedicated exclusively to these claims.
Understanding the claims process
Understanding the claims process
How your claim is evaluated
We begin evaluating a claim as soon as we receive an 801 (Report of Job Injury) or 827 (Attending Physician) form.
What your claim status means
Your claim will be placed in “deferred,” “accepted,” “denied,” or “closed” status, depending on where it is in the process.
Your SAIF team
Contact SAIF to find workers' compensation claims adjusters in your area. SAIF is a not-for-profit workers' compensation company in Oregon.
View and update your claim online
Pay online and visit your claim profile
Workers' comp settlement
Learn more about the types of settlement offers and options of negotiating a settlement on an accepted or denied claim. Visit SAIF today.
Claim closure
Your disabling claim will be closed when your accepted condition is “medically stationary.”
Choosing a doctor who takes workers' comp
Under Oregon law, different kinds of medical providers can provide different levels of treatment. Find out how to choose a doctor that accepts workers' comp.
Pharmacy services
Once your claim is in “deferred” status you may be eligible for SAIF’s First Fill pharmacy program, which provides a limited number of cost-effective prescription drugs for work-related injuries or illnesses until a decision has been made on your cla...
Referrals
As part of your treatment, your doctor may refer you to another provider or request a specific test be done. If that happens, we strongly recommend you send your adjuster a referral notice.
Payments for lost wages
We understand that there’s a lot on your mind when you get injured on the job such as how much does workers' comp pay. The information on these pages can help.
Getting reimbursed
If you had to pay for medication, supplies, mileage or travel related to your workplace injury, you can request wokers' comp reimbursement. Visit our site today.
What bills should you pay?
First, make sure your injury has been reported to SAIF.
Protecting your privacy
Our policy is to protect your privacy and maintain the confidentiality of all claim file information and other personal and confidential information, unless the law requires or allows disclosure.
Common terms
We've created a handy list to explain the terms and acronyms you'll hear, especially if you have a workers' comp claim.
Workers' comp resources
These state agencies run the workers' comp system. Check their websites for more information about services for workers.
Preventing accidents and injuries in the workplace
Browse these resources to find information on how to prevent accidents in the workplace, create an ergonomically healthy workplace, respond to a medical emergency, and more.
Be a leader
Safety management and creating an injury-free workplace takes everyone working together in a supportive environment. Browse these resources to help establish a safe workplace.
Chemical and other health hazards
Browse these resources for information on how to identify and protect workers from hazards, including chemicals, noise, airborne contaminants, and more
Promote health
What’s health got to do with workplace safety? Browse these topics to learn how illness, stress, and lack of sleep impact worker safety and productivity—and what you can do to change it.
Plan for emergencies
It’s a fact of life: Stuff happens that you don’t see coming. You can’t always predict workplace emergencies, such as natural disasters and security threats. But you can prepare for them.
Industry topics
Industry topics
Worker well-being in five easy steps
Worker well-being in five easy steps
Young workers
Oregon workers between the ages of 15 and 25 have higher rates of workplace injuries. But it doesn't have to be that way. Find resources to train, supervise, and protect young workers in retail, fast food, and other service industries.
Wages and pay
Wages and pay to include on your payroll report
Oregon workers outside of Oregon
Subjectivity guidelines for Oregon workers while working outside of Oregon
SAIF and SDAO (Special Districts Association of Oregon) have entered into a group/services agreement
January 23, 2023 — The agreement includes an overarching servicing group, of which SDAO staff will provide safety and health services.
SAIF and CIS (Citycounty Insurance Services) have entered into a group/services agreement
March 9, 2021 — The agreement includes an overarching servicing group, of which CIS staff will provide safety and health and return-to-work services.
Reducing your costs, one day at a time
August 9, 2016 — Total Worker Health® and other ways to keep your workforce safe and healthy, prevent claims, and lower costs
Claim management and the role of managed care organizations (MCOs)
August 9, 2016 — One of the most effective respurces we have for helping injured workers is our partnership with managed care organizations.
The virtues and values of Total Worker Health®
August 9, 2016 — Integrating workplace safety and personal wellness reduces the frequency and severity of worker injuries.
Distracted driving: a timely reminder
April 14, 2016 — In honor of National Distracted Driving Month, here are some resources to help you and your staff be safe on the road.
What the courts say about traveling employees
April 14, 2016 — The court and the board have historically required a fairly significant personal deviation to decide that an employee has left continuous coverage.
Driving for comfort: the path to pain-free success
April 14, 2016 — Good ergonomics can reduce the impact that long commutes or jobs that require driving can have on your comfort and overall health.
Shoulder injuries and the aging workforce
January 6, 2016 — There is a connection, and enhanced ergonomics and a formal action plan can help your employees.
What is vocational assistance?
January 6, 2016 — Our expert vocational coordinators help injured workers stay employed, and help employers access benefits for training and equipment.
Yes, dehydration is a serious winter risk
January 6, 2016 — Hard to believe, but the risk for dehydration is just as great, if not higher, in the winter as it is in the summer.
Online payment FAQs
Online payment FAQs
Online payment trainings
Online payment trainings
Frequently asked COVID-19 vaccine questions for employers
August 12, 2021 — Here are the most common questions about the COVID-19 vaccine we've received from policyholders.
Coronavirus worker safety fund
Coronavirus worker safety fund
SAIF's commitment to serving you during this time
May 27, 2020 — Support for policyholders and workers during the coronavirus pandemic.
Resources for small businesses during COVID-19
We've compiled this list of federal, state, and regional resources that are available for small businesses in Oregon.
Final evaluation of the AGC/SAIF group product
April 21, 2025 — Looking to the future with the new guaranteed cost plan.
SAIF and SDAO (Special Districts Association of Oregon) have entered into a group/services agreement
January 23, 2023 — The agreement includes an overarching servicing group, of which SDAO staff will provide safety and health services.
SAIF and CIS (Citycounty Insurance Services) have entered into a group/services agreement
March 9, 2021 — The agreement includes an overarching servicing group, of which CIS staff will provide safety and health and return-to-work services.
Update: SAIF/Oregon Restaurant and Lodging Assoc. group program
December 12, 2017 — Our goal is to offer a group program discount for new customers and those renewing January 1 and after.
Coverage details
For an employer with subcontractors or employees in states other than Oregon, there are additional details to know about workers' comp coverage.
Board of directors
A five-member Board of Directors, appointed by the governor, oversees SAIF’s operations. By law three board members must be affiliated with organizations insured by SAIF. Member terms are four years.
Leadership team
SAIF Executive Leadership Team
Confined space
Employer responsibilities and worker's rights concerning confined spaces.
Electrical safety
You can’t see it, hear it, or smell it, but touching electricity can be deadly.
Ergonomics in the workplace
Learn more about ergonomics in the workplace and other safety tips about adjusting workspaces so you can work comfortably and safely.
Combustible dust and other flammable material
Browse these resources to find information on how to reduce the risk of fires and explosions caused by workplace hazards.
Ladder Safety
You can reduce the hazards by using the best practices in these resources.
Outdoor safety
Whether at work or at play, you should be doing all you can to avoid injury. You might not be exposed to all these hazards on the job, but we still want you going home safe.
Personal protective equipment
Personal protective equipment helps workers minimize exposure to injuries. Browse these resources to learn more about health and safety topics and proper uses of PPE.
Safe driving
Safety and health resources for organizations with employees who drive as part of their work duties.
Serious injuries and fatalities (SIF)
Preventing SIFs requires a different approach from that used to prevent less serious injuries
Slip and fall prevention
Slip and fall prevention is vitally important in today's workplace. Learn how to prevent slips, trips, and falls in the workplace with SAIF's online safety training resources.
Leadership series
This training series will help leaders at all levels learn the building blocks that support safety culture and boost employee involvement.
Accident and incident analysis
Accident investigations and incident analysis determine how and why safety failures occur. Browse these resources to help you prevent them from happening again.
Employee policy
Creating a safe and healthy work environment is not only a requirement for Oregon employers, it's a "best practice" among top-performing businesses. Browse these resources for information on how create effective employee policies, and more.
Identify and control hazards
Common workplace hazards are any condition, practice, or act that could result in an employee injury. Browse these resources for tools to help with hazard identification.
Reporting and recordkeeping
Some health and safety rules require written documents, such as plans, procedures, and programs. Browse these resources to learn more about what is required.