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Affordable Workers’ Comp Insurance from Oregon’s Not-for-Profit Provider

SAIF’s mission is to make workers’ compensation affordable for all Oregon businesses, driving an 80% reduction in pure premium rates and returning more than $2.6 billion in dividends to employers since 1990.

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Why Choose SAIF?

Affordable Rates

As a not-for-profit, SAIF offers competitive rates
Here for Oregon

More than $1.4 billion in dividends in the last 10 years
100+ Years of Service

Oregon’s first and only not-for-profit workers’ comp provider for more than 110 years

2x faster claims processing and 85% of workers back to work within 60 days

93% of policyholders say they’re satisfied or extremely satisfied with SAIF

SAIF covers 54,000 Oregon businesses

Get Covered Online in Minutes

  1. Provide basic information about your business, ownership, and industry.

  2. Review your workers' compensation insurance policy quote.

  3. Pay for your policy online and coverage will begin on your chosen start date.

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Does My Business Need Workers’ Comp?

By law, most Oregon employers are required to have a workers' comp insurance policy or be self-insured. So, if your business employs workers in Oregon, you most likely need workers' compensation coverage.

If you don’t have it, you may face fines and penalties, even if you never file a claim. You could also get stuck with unexpected costs you might have to pay out of pocket.

Workers’ comp gives your employees and their families peace of mind knowing they won’t have to pay for medical treatment or other injury-related expenses.

Learn more at the Oregon Workers’ Compensation Division website.

What’s Covered by Workers’ Comp?

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Medical Expenses

Everything from examinations and treatments to rehabilitation.
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Lost Wages

Enables employees to fully recover from an injury before returning to work.
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Survivor Benefits

Supports families by covering funeral costs and income replacement.
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Retraining

Helps employees who need to learn skills and enter a new field.
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Permanent Injury

Takes care of employees who can no longer work due to injury.
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Employer Liability

Protects your business from financial losses if an employee files a lawsuit.

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About SAIF

SAIF is Oregon’s not-for-profit workers' comp insurance company. Since 1914, we've been protecting Oregon employers and workers with exceptional, affordable coverage.

We’re proud to lead one of the most successful workers’ comp systems, with some of the lowest workplace injury rates and workers' compensation costs in the nation.

At SAIF, we have a vision to make Oregon the safest and healthiest place to work. And we’re committed to helping Oregonians work better, smarter, and safer for years to come. It’s not just the right thing to do: It’s good for business.

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Frequently Asked Questions

What is workers’ compensation insurance?

Workers' compensation insurance (often called "workers' comp") provides benefits for workers who become injured or sick as a result of their work. Employers pay premiums to workers' comp insurance carriers like SAIF, and the insurance carrier pays the benefits that workers receive. Benefits help provide appropriate medical treatment and benefits to injured workers, enable them to return to work as soon as possible, and resolve disputes between employers and injured employees quickly and fairly.

Why is workers’ comp insurance important?

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Do I need workers’ comp insurance if I’m self employed?

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How much does workers’ comp insurance cost?

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