Workers’ Compensation

ORS 656.419
Workers’ compensation insurance contracts


A workers’ compensation insurance policy issued by an insurer under this section shall provide that the insurer agrees to assume, without monetary limit, the liability of the employer, arising during the period the policy is in effect, for prompt payment of all compensation for compensable injuries that may become due under this chapter to subject workers and their beneficiaries.



The insurer issuing the workers’ compensation insurance policy shall file proof of coverage with the Director of the Department of Consumer and Business Services within 30 days after workers’ compensation coverage of the employer is effective. The filing shall be in the form and manner and shall include any information that the director may prescribe by rule.


An insurer shall file the proof of coverage required under this section for each new or renewed policy issued by the insurer.


Workers’ compensation coverage is effective when the application of the subject employer for coverage together with any required fees or premium are received and accepted by an authorized representative of an insurer or on the date specified in writing by the employer and the insurer.


Coverage of an employer under a workers’ compensation insurance policy continues until:


The expiration of the term of the policy;


The coverage is canceled prior to the expiration date of the policy as provided by ORS 656.423 (Cancellation of coverage by employer) or 656.427 (Termination of workers’ compensation insurance contract or surety bond liability by insurer);


Another insurer files proof of coverage on behalf of the employer; or


The employer becomes self-insured under ORS 656.430 (Certification of self-insured employer). [1975 c.556 §29; 1977 c.405 §7; 1981 c.854 §28; 1987 c.237 §1; 1995 c.93 §35; 1995 c.332 §46; 2003 c.170 §3; 2007 c.241 §1]

Notes of Decisions

Application for coverage need not be document separate from premium. SAIF v. Bowers, 215 Or App 30, 168 P3d 263 (2007)


Last accessed
May 30, 2023