saif.com

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.

2018 calendar: Newberg Area Habitat for Humanity

February 1, 2018 — Meet the SAIF policyholders who are helping to build a better—and safer—Oregon.

Top 3 safety trainings

January 12, 2018 — A safe and healthy place to work is important—for you and your employees. Not sure where to start? Our free online trainings can help—in 10 minutes or less.

2018 calendar: Fought & Co./REFA Erection

January 4, 2018 — Meet the SAIF policyholders who are helping to build a better—and safer—Oregon.

A year’s worth of health and safety ideas

December 21, 2018 — Making resolutions is easy. Keeping them is hard. Our new videos, posters, and other tools can help you turn promises into healthy practices.

New rules for walking-working surfaces take effect Nov. 1, 2017

October 20, 2017 — Changes cover a wide range of workers and include portable ladders, training, dock boards, fall protection, and more.

2018 calendar: Building a better—and safer—Oregon

December 1, 2017 — From high school students in Forest Grove to high-wire utility workers in La Grande, meet the Oregonians who are answering construction’s call.

SAIF’s free ag safety and health workshops return in November

October 20, 2017 — The annual employer trainings will be held in 16 cities from October to March, including nine in Spanish.

The latest crime-fighting weapon: Warrior pose?

December 13, 2017 — How the Bend PD is using yoga and mindfulness to help officers be safer, healthier, and better able to manage stress.

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.

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.

Emergency procedures

For severe or fatal workplace injuries

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

Subcontractors

What contractors need to know about workers' compensation requirements for subcontractors.

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

Your SAIF invoice

Pay your bill

Report your payroll

Reporting a workplace injury

Do you need to report a workplace injury? Start by submitting 801 form.

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.

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

Renewing your policy

Changes to your policy

Changes to your policy, business address, ownership, name

Drivers of leased trucks

Oregon workers outside of Oregon

Subjectivity guidelines for Oregon workers while working outside of Oregon

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.

Your payroll report

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.

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

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.

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