Oregon
Workers’ Compensation Insurance
You need workers’ compensation insurance – LaPorte can help you secure it. While we’re at it, we’ll also help you increase workplace safety, reduce claims and keep your costs as low as possible. Count on us for all of your Oregon workers’ compensation insurance needs.
What We Offer
- Workers’ compensation options, including self-insurance
- Administration support to help you secure the best rates
- A loss prevention consultation to build a safety culture
- Claims management support to minimize losses
Oregon Workers’ Comp Insurance
Under Oregon law, employers are required to carry workers’ compensation insurance or be self-insured. When purchasing insurance, employers can choose to buy a policy from the State Accident Insurance Fund (SAIF) Corporation or from one of the many private insurance companies offering workers’ compensation insurance that complies with Oregon rules.
Employers typically purchase workers’ compensation insurance for one main reason: they have to. Failure to maintain adequate coverage may mean you’re noncompliant and expose your business to expensive penalties.
But, there’s another reason to buy workers’ compensation: it protects both your workers and your company. Worker injuries are common, ranging from relatively minor issues to debilitating or life-threatening conditions. Some industries – like construction and transportation – have higher-than-average risks, but injuries may happen in any sector.
Workers’ compensation establishes a no-fault system for worker injuries. This means workers receive the care they need as quickly as possible. It also means employers avoid costly litigation.
However, not all workers’ compensation programs are the same. To take care of your workers while keeping your costs down, you need a program that leverages proven strategies to help workers recover as quickly as possible. Risk management is also essential, since most injuries are preventable. Being dedicated to safety is the best way to control your costs. Plus, you’ll also see other benefits in worker morale and retention.
Loss Prevention
Worker injuries negatively impact worker morale, employee retention, and workers’ compensation costs. When you prevent injuries, everybody wins.
All employers receive an experience modification factor. If your claims are above the average for your industry, your experience modification factor will mean higher workers’ compensation premiums. If your claims are below the average, your experience modification factor will mean lower premiums.
To help you bring down your experience modification factor, we offer a loss prevention consultation and the following services:
- Workers’ comp “101” training
- Loss trending, development, and analysis
- Safety policy review and implementation
- OSHA compliance audit
- OSHA program training
- Job safety analysis programs
- Emergency and disaster recovery planning
- Self-inspection checklists
Maximize Your Premium Value
Workers’ compensation premiums are calculated based on industry class code, payroll, and claims history. If any of these factors are incorrect, you may end up paying more than you should. We provide a class code and payroll reporting review to ensure you are not overpaying.
We also provide experience modification and class code rate projections, giving you the insights you need to budget for the future and to empower informed decision-making. Our other services include retrospective rating and dividend plan updates and audit dispute resolution.
Claims Management
Good safety practices prevent many injuries, but some claims may still occur. Proper claims management will help minimize losses while supporting workers. LaPorte provides claims management assistance to reduce the impact on your rates, including:
- Claims reviews
- Settlement and reserve reduction advice
- Early Return to Work assistance
- Employer-at-Injury Program and Preferred Worker Program assistance
- Pre-loss consultations
- Injured worker protection issues
Oregon’s Largest Independently-Owned Agency
LaPorte has been helping northwest businesses manage their risks since 1979. Today, we’re known as the largest independently-owned insurance agency in Oregon.
We use our relationships with regional and national carriers to find the best coverage for your business. As we’re licensed in all 50 states, we can help with your insurance needs in other regions, as well. We offer the resources, technology, and expertise needed to serve businesses of all sizes. Plus, you’ll receive the superior customer service you would expect from an independently-owned company.
FAQs
01We’re thinking about self-insuring our workers’ compensation program. Can you help?
Yes! In addition to offering access to high-quality workers’ compensation insurance options, we can help you with coverage via self-insurance. We’ll provide an analysis to help you decide if self-insurance is a good fit and discuss your options with you.
02My company is trying to improve its safety practices. What kind of expertise do you offer?
03My company needs help navigating OSHA regulations. What do you offer?
Our loss prevention services include OSHA compliance audits and OSHA program training as well as job safety analysis programs and self-inspection checklists to help you maintain a safe working environment.
LaPorte clients also have access to INSource – a customized website loaded with user-friendly tools that will help you take control of OHSA compliance and risk management. Through INSource, you’ll receive breaking regulatory updates, comprehensive legislation guides, and access to OSHA resources. You can also participate in the INSource online forum to share best practices with more than 300,000 industry peers.
04How can I learn more?
Whether you’re ready to start exploring your Oregon workers’ compensation options or want to learn more about LaPorte, we’d love to hear from you. Send us an email at frontdesk@laporte-insurance.com or give us a call at 503.239.4116. We are located at 6400 SE Lake Rd., Suite 450, Milwaukie, Oregon, 97222. Contact Us.
