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Workers’ compensation insurance for small business
Our SAIF service center is designed to meet the needs of small business and helps make us the leading workers' comp insurance provider in Oregon.
Certificate of coverage
Obtain a certificate of insurance for proof of coverage.
Office stretches
Office stretches
Workstation comfort
Workstation comfort
Ergonomic lighting considerations
Ergonomic lighting considerations
Ergopoint® by Humantech
Ergopoint by Humantech
Driving in extreme weather
Driving in extreme weather
Seatbelts are essential safety equipment
Seatbelts are essential safety equipment
Safe driving saves lives
Safe driving saves lives
Steering toward total driver safety
Steering toward total driver safety
Slips, trips, and falls prevention: Stop the Fall
Slips, trips, and falls prevention: Stop the Fall
Slips, trips, and falls prevention: Stop the Fall
Stop the Fall: Actions
Stop the fall: Surfaces
Stop the Fall: Surfaces
Stop the fall: Footwear
Stop the Fall: Footwear
Avoid tobacco
Avoid tobacco
Helping employees cope
Helping employees cope
Resilience in young workers
Resilience in young workers
Creating a healthy workplace for mental well-being
Creating a healthy workplace for mental well-being
Suicide prevention: What can you do?
Suicide prevention: What can you do?
Reduce chronic stress
Reduce chronic stress
Get active
Get active
Physical deconditioning
Physical deconditioning
Promote healthy eating
Promote healthy eating
Stay hydrated
Stay hydrated
Prevent fatigue
Prevent fatigue
Skin cancer facts
Skin cancer facts
Dodging the bugs: a quick guide to infection control at work and home
Dodging the bugs: a quick guide to infection control at work and home
Live webinars for SAIF agents
Live webinars for SAIF agents
Continuing education for insurance agents
A full list of in-person trainings available to SAIF's appointed agents
On demand trainings for agents
On deman trainings for SAIF agents
Training resources for agents
Training resources for agents
Ag seminar resource archives
Ag seminar resource archives
Office ergonomics assessor training
Office ergonomics assessor training
HR resources and trainings
Human Resources Help | Free HR Tools & Resources for Oregon Businesses | SAIF
Your SAIF invoice
Your SAIF invoice
Pay your bill
Pay your bill
Report your payroll
Report your payroll
Premium audit
It is important that your payroll records be accurate, because they're a key part of determining how much you pay for workers' comp insurance and in establishing fair payroll reporting for all Oregon employers.
Reporting a workplace injury
Do you need to report a workplace injury? Start by submitting 801 form.
Supporting your injured worker
An injury that prevents someone from working is more than a physical obstacle. Injured workers worry about providing for their families and when they can return to work.
Injured worker benefits
Workers injured on the job may be eligible for several kinds of benefits, including time-loss benefits, coverage of medical treatment, permanent work restrictions, and more.
Emergency procedures
For severe or fatal workplace injuries
Avoiding scams
A resource for avoiding scams and phishing attacks.
Return-to-work programs
SAIF is committed to helping injured workers return to work as early as is medically appropriate. Return-to-work programs play a major role in controlling claim costs.
Employer-at-Injury Program
The Employer-at-Injury Program (EAIP) is one of the financial incentives available to employers and injured workers.
Preferred Worker Program
Through the Preferred Worker Program, you can receive financial benefits for providing a job for a worker with permanent disabilities.
Getting started with SAIF
Getting started with SAIF
What is workers' comp?
In short, workers' compensation insurance (often called "workers' comp") provides benefits for workers who become injured or sick as a result of their work.
Sample workers’ compensation policy
Want to see what a standard workers' comp policy looks like, or learn more about special types of coverage or reporting your payroll? Read on.
Workers' compensation insurance costs
How much does workers' comp cost? Your insurance premium cost is based on a number of factors. This section identifies many of those factors and explains how they work.
Keeping rates low
So you'd like to lower your rates, but you don't have a lot of extra time to devote to it. Here are a few tips that may help:
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
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.
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.