Do you need workers' comp?

Not all workers are required to be covered by workers' comp insurance.

Which workers to include         

Please note: The information on this page is intended to give you some direction in submitting a payroll report; it should not be considered legal advice. If you're not sure if a worker is covered, please contact your agent, a SAIF representative at 800.285.8525, or the Oregon Workers' Compensation Division.

Covered workers also are called "subject workers." Under Oregon law, you are required to cover workers you "engage to furnish services for remuneration," subject to your "direction and control," except those workers excluded under the law. (Remuneration could be something of value other than cash. For example, it may be considered remuneration to provide free movie tickets to a theater usher.)

View a complete list of workers excluded by law

Which owners to include

Some company owners, officers, or officials are automatically covered by a policy. Other types of owners, officers, or officials are only covered when the insurer (such as SAIF) endorses the policy to include the coverage. Find out more about coverage information and reporting requirements that apply to owners or officers in your business:

Federal coverage

Special rules may apply to coverage of business owners. Please contact your agent or SAIF representative for information specific to your business.

Learn more about coverage under the U.S. Longshore & Harbor Workers Act.


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