NEXT leads Oregon's best workers' comp insurance market with outstanding customer service and comprehensive coverage options. The Hartford and Simply Business provide equally reliable alternatives for Oregon business owners, with all three top providers delivering similarly strong performance.
Workers' Comp Insurance in Oregon
NEXT tops our analysis as the best workers' comp insurance provider in Oregon with a 4.59 out of 5 overall score.
Compare top Oregon workers' comp insurance providers and find your ideal coverage.
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Updated: October 1, 2025
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Key Takeaways
NEXT, The Hartford and Simply Business lead Oregon's workers' comp insurance market, offering strong coverage options for businesses in Oregon.
Your business type, number of workers, past insurance claims and available budget will determine which workers' comp provider fits your needs best.
Compare insurance quotes, review each provider's industry knowledge, look at their service history and examine coverage details to find the best small business insurance for your workers' comp needs.
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Industry
State
Best Workers' Comp Insurance Companies in Oregon
| NEXT | 4.59 | $64 |
| The Hartford | 4.55 | $64 |
| Simply Business | 4.51 | $67 |
| Coverdash | 4.44 | $68 |
| biBERK | 4.42 | $70 |
| Nationwide | 4.42 | $75 |
| Progressive Commercial | 4.38 | $65 |
| Hiscox | 4.35 | $66 |
| Thimble | 4.35 | $65 |
| Chubb | 4.27 | $79 |
How Did We Determine These Rates and Rankings?
These rates are estimates based on MoneyGeek's analysis of small businesses with two employees across 79 major industries. Actual rates vary based on your business location, industry risk factors, claims history, coverage limits and individual insurer underwriting criteria. Contact insurers directly for personalized quotes.
LEARN MORE ABOUT BUSINESS INSURANCE IN OREGON
Understanding the right mix of insurance coverage can help protect your business from various risks.
Explore these guides to learn about other types of coverage:
Best Oregon Workers’ Comp Insurance Reviews
NEXT and The Hartford emerge as Oregon's best providers, offering exceptional coverage for business owners with workers' comp requirements.
NEXT
Best Overall Provider
MoneyGeek Rating
4.6/ 5
4.4/5Affordability
4.7/5Customer Experience
4.8/5Coverage Options
Average monthly premium
$64Based on average costs for Oregon businessesOur survey: Claims process
3.9/5Based on customer satisfaction surveysOur survey: Recommend to others
4.8/5Based on likelihood to recommend to other businesses
The Hartford
Runner-Up Best Provider
MoneyGeek Rating
4.5/ 5
4.4/5Affordability
4.6/5Customer Experience
4.7/5Coverage Options
Average monthly premium
$64Based on average costs across business typesOur survey: Claims process
4.5/5Score from MoneyGeek's customer satisfaction surveyOur survey: Recommend to others
4.5/5Percentage of customers who would recommend The Hartford
Cheapest Workers' Comp Insurance Companies in Oregon
Oregon businesses can get cheap workers' comp coverage from NEXT at $64 monthly ($770 annually). Oregon offers competitive alternatives through The Hartford and Thimble, with monthly rates of $64 and $65, respectively. The table below shows costs from all companies we analyzed:
| NEXT | $64 | $770 |
| The Hartford | $64 | $774 |
| Thimble | $65 | $784 |
| Progressive Commercial | $65 | $786 |
| Hiscox | $66 | $794 |
| Simply Business | $67 | $800 |
| Coverdash | $68 | $810 |
| biBERK | $70 | $837 |
| Nationwide | $75 | $902 |
| Chubb | $79 | $944 |
How Did We Determine These Rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on workers’ comp policies. Your actual premium depends on where your business is located, what industry you're in, how many employees you have, and other factors insurers consider.
Average Cost of Workers’ Comp Insurance in Oregon
Workers' compensation insurance in Oregon costs businesses an average of $68 per month or $820 annually. Oregon's rates run $6 below the national monthly average of $74. Your business's actual premium depends on several factors, including industry risk level, number of employees, annual payroll and claims history.
Average Cost of Workers' Comp in Oregon by Industry
In Oregon, workers' comp insurance cost varies dramatically by industry. Speech therapists pay the lowest premiums at $6 monthly, while roofing companies face much higher rates at $779 per month. This significant difference reflects the varying workplace injury risks across different professions.
| Accountants | $19 | $227 |
| Ad Agency | $15 | $177 |
| Auto Repair | $142 | $1,700 |
| Automotive | $109 | $1,307 |
| Bakery | $49 | $594 |
| Barber | $13 | $158 |
| Beauty Salon | $14 | $163 |
| Bounce House | $37 | $445 |
| Candle | $37 | $448 |
| Cannabis | $77 | $926 |
| Catering | $69 | $823 |
| Cleaning | $45 | $540 |
| Coffee Shop | $43 | $522 |
| Computer Programming | $26 | $317 |
| Computer Repair | $22 | $269 |
| Construction | $169 | $2,024 |
| Consulting | $28 | $335 |
| Contractor | $154 | $1,844 |
| Courier | $208 | $2,498 |
| DJ | $13 | $156 |
| Daycare | $12 | $148 |
| Dental | $10 | $125 |
| Dog Grooming | $60 | $722 |
| Drone | $25 | $298 |
| Ecommerce | $20 | $243 |
| Electrical | $53 | $635 |
| Engineering | $36 | $426 |
| Excavation | $100 | $1,200 |
| Florist | $57 | $679 |
| Food | $39 | $473 |
| Food Truck | $42 | $507 |
| Funeral Home | $25 | $297 |
| Gardening | $43 | $520 |
| HVAC | $59 | $707 |
| Handyman | $87 | $1,046 |
| Home-based | $9 | $112 |
| Hospitality | $65 | $779 |
| Janitorial | $45 | $543 |
| Jewelry | $28 | $332 |
| Junk Removal | $130 | $1,559 |
| Lawn/Landscaping | $35 | $422 |
| Lawyers | $49 | $592 |
| Manufacturing | $55 | $657 |
| Marine | $141 | $1,688 |
| Massage | $14 | $162 |
| Mortgage Broker | $13 | $154 |
| Moving | $241 | $2,896 |
| Nonprofit | $30 | $354 |
| Painting | $131 | $1,577 |
| Party Rental | $34 | $406 |
| Personal Training | $23 | $279 |
| Pest Control | $65 | $784 |
| Pet | $29 | $346 |
| Pharmacy | $6 | $71 |
| Photography | $16 | $190 |
| Physical Therapy | $6 | $76 |
| Plumbing | $60 | $718 |
| Pressure Washing | $78 | $931 |
| Real Estate | $27 | $330 |
| Restaurant | $59 | $704 |
| Retail | $32 | $386 |
| Roofing | $779 | $9,348 |
| Security | $48 | $580 |
| Snack Bars | $40 | $485 |
| Software | $25 | $295 |
| Spa/Wellness | $16 | $195 |
| Speech Therapist | $6 | $67 |
| Startup | $12 | $145 |
| Tech/IT | $25 | $302 |
| Transportation | $213 | $2,558 |
| Travel | $7 | $79 |
| Tree Service | $206 | $2,466 |
| Trucking | $250 | $2,999 |
| Tutoring | $9 | $112 |
| Veterinary | $18 | $219 |
| Wedding Planning | $26 | $318 |
| Welding | $108 | $1,299 |
| Wholesale | $37 | $444 |
| Window Cleaning | $195 | $2,342 |
How Much Workers' Comp Insurance Do I Need in Oregon?
Oregon requires most employers to get workers' compensation insurance as soon as they hire their first employee, unless you qualify for an exemption. This protects workers by covering medical expenses and lost wages if they get injured or become ill due to their job.
Businesses operating without required workers' comp coverage face daily penalties of up to $1,000, and the state can shut down operations.
Sole proprietors
Self-employed business owners without employees can typically opt out of workers' comp coverage for themselves while maintaining required coverage for any future employees
Independent contractors
Independent contractors maintain control over their work methods and schedule generally qualify for exemption if they meet state contractor classification tests.
Corporate officers
Executive officers owning at least 25% of company stock can choose to exclude themselves from coverage by filing appropriate documentation
Domestic workers
Household employees working fewer than 40 hours per week or earning below state threshold amounts may be exempt from coverage requirements
Agricultural workers
Small farms with limited payroll or seasonal workers often qualify for exemption from mandatory coverage requirements
Real estate agents
Licensed real estate professionals working on commission basis typically qualify as independent contractors exempt from coverage
Religious organizations
Members of religious organizations who have taken vows of poverty while working for their church or religious order may be exempt
Professional athletes
Athletes in certain professional sports leagues often operate under separate injury coverage systems outside standard workers' comp requirements
How to Get the Best Workers' Comp Insurance in Oregon
Getting workers' comp coverage in Oregon doesn't have to be overwhelming, with many providers offering protection that keeps the cost of insurance for small business reasonable. Compare quotes from multiple insurers and evaluate their coverage options and claims handling processes to get business insurance that fits for your company.
- 1Check coverage requirements
Oregon law requires most businesses with employees to carry workers' compensation insurance. Even hiring one part-time worker typically triggers this requirement.
- 2Collect business details
Prepare accurate payroll records, employee counts and job classifications before requesting quotes for business insurance in Oregon.
- 3Get multiple insurance quotes
Contact at least three different insurance providers for quotes. Costs can vary between carriers in Oregon, even with cheap small business insurance providers.
- 4Find industry-savvy providers
Select insurers who understand your specific industry risks and local regulations. This makes sure of your compliance with Oregon safety standards and proper coverage, including business insurance coverage types.
- 5Review provider performance
Examine each insurer's claim processing times and complaint history. Look for added benefits like workplace safety programs and return-to-work assistance.
- 6Examine policy details
Review coverage limits and exclusions carefully. Consider flexible payment options including pay-as-you-go workers' comp.
- 7Schedule annual reviews
Mark your calendar for yearly coverage reviews.
Oregon Workers’ Comp: Bottom Line
Business owners across Oregon have access to several outstanding workers' compensation insurance providers. Our analysis shows NEXT, The Hartford and Simply Business lead the market in Oregon. Consider getting quotes from these providers to find the best match for your business's specific needs and budget.
Oregon Workers' Comp Insurance: FAQ
Find answers to your most common questions in our comprehensive FAQ guide below.
Is workers' comp insurance required for all Oregon businesses?
Yes, Oregon law requires most businesses with employees to carry workers' compensation insurance. Key exemptions include sole proprietors without employees, independent contractors and some corporate officers. Failing to provide coverage can result in penalties up to $1,000 per day, plus uninsured claim costs. Employers may also face misdemeanor charges with potential jail time.
How much does workers' comp insurance cost in Oregon?
NEXT offers the most affordable workers' compensation insurance in Oregon at $64 per month ($770 annually). Your final premium will depend on your business's risk level, number of employees, total payroll and claims history.
What does workers' comp insurance cover in Oregon?
Oregon workers' comp insurance provides medical care and wage replacement benefits for job-related injuries and illnesses. Coverage includes physical therapy, medications, hospital stays and partial income while unable to work. The insurance protects employers from lawsuits, but independent contractors must purchase separate policies.
Which workers' comp insurance company is best in Oregon?
NEXT leads Oregon's workers' comp providers with a 4.59 overall score, excelling in customer service (4.70) and coverage options (4.80). The Hartford follows at 4.55, known for consistent customer support, while Simply Business ranks third with 4.51, offering the most comprehensive coverage options (4.90). Choose based on your priority: service quality, support or coverage breadth.
What happens if I don't have workers' comp insurance in Oregon?
Operating without workers' compensation insurance in Oregon is illegal. The Workers' Compensation Division can fine non-compliant businesses. Employers face potential criminal charges, business closure and must pay all employee medical costs and lost wages out of pocket.
Do sole proprietors need workers' comp insurance in Oregon?
Sole proprietors in Oregon typically don't need workers' compensation insurance since they're not considered employees.
How do I choose the right workers' comp insurance company in Oregon?
Start by getting quotes from at least three workers' comp insurance providers in Oregon. Look for carriers with experience in your specific industry, especially for high-risk fields like construction. Review each company's claims handling process, customer satisfaction ratings and complaint records with Oregon's Department of Insurance before making your decision.
How We Scored the Best Workers' Comp Insurance Companies in Oregon
- Affordability (50%): Cost drives every small business insurance decision in Oregon's expensive market. We compared monthly premiums across all companies, since even comprehensive policies won't help if you can't afford them.
- Customer experience (30%): When your employee gets hurt, you'll need an insurer that handles claims quickly and treats injured workers fairly. We used J.D. Power ratings, Oregon Department of Insurance complaint data and independent reviews.
- Coverage options (15%): We evaluated each company's policy flexibility, add-on options and coverage limitations for specific Oregon industries and regulatory requirements.
- Financial strength (5%): Premium savings don't matter if your insurer struggles financially. We checked AM Best ratings to ensure recommended carriers can deliver on their promises.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.