Cover your Oregon business in a few clicks.

Simple process. Affordable price. 70+ industries & growing.

Oregon Businesses We Cover with Workers' Comp Insurance

Food & Beverage

Bars, Bistros, Cafeterias/Buffets, Candy Stores, Caterers, Coffee Shops, Doughnut Shops, Fast Casual, Fast Food, Fine Dining, Health Supplement Stores, Juice Shops, Tea Houses, Taverns and Nightclubs

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Tech Services

Data Processing, Hosting, Graphic Design, Network Installation/Repair, Office Machine Installation/Repair, Programming, Strategy & Management Consulting Services, and Software/Web Development (includes SOLOpreneuers!)

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Legal Services

Lawyers & Attorneys at Law, Court Reporters, Notaries and Transcription

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Personal Services

Hair Salons, Barber Shops, Interior Design Studios, Photography/Photofinishing, Nail Salons, Tanning Salons, Tattoo/Piercing, and Wedding/Event Planners

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Clothing Retail

Bridal Stores, Clothing Stores, Formal Wear/Costume Rentals, Luggage & Leather Goods Stores, Shoe Retail/Repair, and Tailor Shops

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Personal Product Retail

Bike Stores, Camera/Photo Supplies & Repair, Cell Phones & Cell Phone Repair, Computer Stores, Musical Instruments & Supply Stores, Tobacco/Vaping, and Video Games

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Medical Professions

Blood Banks, Dental Labs, Dentists/Orthodontists, GP/Medical Specialists, Kidney Dialysis Centers, Medical Diagnostics & Testing, and Veterinarians

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Construction Services

Architects & Drafting, Engineering, Surveyors (sorry we do not cover contractors or trucking companies)

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Financial Services

Accounting, Auditors, Bookkeeping, Financial Advisors & Trust Companies,Mortgage & Loan Brokers, Payroll Services, Tax Preparation, Title and Title Insurance

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Scientific Services

Scientific, Technical, & Environmental Consulting

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Office, Home, & Garden

Beauty Supplies, Bookstores, Cosmetics, Hearing Aid Stores, Hobby/Craft/Art Stores, Gift/Novelty Stores, Florists, Mailing/Packaging Stores, Model/Toy/Games Stores, Optical Goods Stores, and Perfume Stores

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Therapeutic Services

Acupuncture, Chiropractors, Mental Health Practitioners, and Physical & Occupational Therapy

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Workers' Compensation for Oregon Businesses

Worker’s comp insurance for the Beaver State

Oregon is home to 93,386 square miles of beautiful forests, sprawling plateaus and some of the most stunning coastline views of the entire US.

Known for its laid-back lifestyle, Oregonians take advantage of the beautiful scenery with opportunities for hiking and pleasant days on clean beaches with ultra-cool tide pools and excellent surfing. Tourists flock to Seaside and Cannon Beach, and while they may not find One-Eyed Willie’s gold in Haystack Rock, they might be lucky enough to catch the puffin migration and walk out beyond the rock at very low tide. Nearby in Astoria they can check out the Oregon film museum with memorabilia from the many famous movies filmed in Oregon, like Kindergarten Cop, Animal House, the Twilight movies, and, of course, The Goonies.

When Sally Struthers and The Simpsons creator Matt Groening munch down their “Homer” donuts from Portland’s famous Voodoo Donuts, they enjoy skipping the sales tax. That goes for the famous Tillamook cheese and jerky too, and the coastal drive to get there is loaded with calendar-worthy photo ops.

Oregon is chock full of small businesses, comprising 99.4% of all companies and employing 55% of Oregon’s employees. Travel and tourism jobs are big here, which is not a surprise if you enjoy the fresh scent of Douglas Fir trees. Tourists love the unique shopping and handmade items found in the thousands of boutique shops.

The State of Oregon requires almost all employers to carry workers’ compensation insurance. Workers’ comp benefits employers by replacing legal liability with no-fault insurance, and it prevents financial hardships for your employees with quick payments while they’re off the job. While a steaming plate of Dungeness crab is delicious, it’s not so great when a live crab clamps on to your chef’s thumb, clinging for life as it’s lowered to the boiling pot, causing him to spill boiling water across the kitchen while the wait staff is busy moving back and forth.

From hospitality to health care to retail, and everything in between, Cerity is your partner in providing the best workers’ comp insurance for your valuable employees.

Oregon Statistics*

*2017 business stats provided by the Oregon Occupational Injury and Illness Survey

823,658

number of Oregonians employed by small businesses


46,484

number of workplace injuries

52 million

lbs of annual cheese production in Tillamook


2,000

length of the Oregon Trail


6,500

age in years of Crater Lake

Explore commonly asked questions about business type, industry and state.

To put it simply, your business is covered. Just like that. In most cases, all of your employees are covered by workers' compensation insurance, including subcontractors (given they provide you a Certificate of Insurance). However, a Certificate of Insurance (COI) isn't a guarantee of coverage (policy may have cancelled since issuance). You should request periodic COIs throughout the contract.
Workers' compensation insurance provides all state required benefits, including reasonable and necessary medical treatment and wage replacement, for employees injured in the course and scope of employment.
In most states, it’s required for small business owners to obtain workers’ compensation coverage. In the event that an employee is injured in the course and scope of your employment, workers' compensation insurance protects you from costly lawsuits and provides state required compensation for the employee, including lost wages and medical expenses.
The estimated premium is based on estimated payroll (at the beginning of the policy). The final premium is based on actual payroll (at the end of the policy) for the policy period (usually 12 months). In the event your payroll changes, we'll work with you on adjusting your policy.
Yes, the workers' compensation policy covers all of your employees. Significant changes to your payroll should be reported to Cerity. This will help mitigate having a large additional premium due at the end of your policy period.
Cerity is a data-services company that is a licensed insurance producer that provides comprehensive workers' compensation insurance for American businesses. In less than five minutes, a small business owner can have a quote and can be protected as soon as the next day. In other words, your business is covered. Just like that. We are backed by Employers Holdings, Inc., an industry veteran of over 100 years, EHI is reimagining how to purchase workers compensation insurance.
You do not need any documents to apply - we told you it was simple! All you need to obtain a quote is tell us a few quick things about your business and we should be able to get you a quote.