Insurance Clauses - Workers' Compensation

​All employers, including Contractor, that employ subject workers who work under this contract in the State of Oregon shall comply with ORS 656.017​ and provide the required Workers´ Compensation coverage, unless such employers are exempt under ORS 656.126. Contractor shall ensure that each of its sub-contractors complies with these requirements. 

• ​Normally Required. Pursuant to SB 507, Contractors with one or more employees (other than themselves) with a physical presence in Oregon must have Workers´ Compensation coverage from a state with extraterritorial reciprocity, or they must obtain Oregon specific Workers´ Compensation coverage. No other coverage is acceptable. 

• Contact the DCBS, WCD, Employer Section​ with questions, or to confirm Contractor coverage. 

• ​ORS 279B.230 requires Workers’ Compensation coverage on all public contracts. There are two basic parts of a Workers’ Compensation policy: 

• Part A - Workers’ Compensation Insurance: Insurance that covers an employer’s statutory responsibilities for injuries, disability, or death to persons acting in the scope of their employment.

• Part B: Insurance that provides coverage against an employer’s common law liability for bodily injury to employees occurring within the scope of their employment when that liability is not covered by Workers’ Compensation.

• ORS 656.029 makes the agency liable for Contractor’s Workers’ Compensation unless you get proof of Contractor’s coverage before work starts. Insurance from other states and extraterritorial coverage may not be enough. Pays medical costs and loss of income to employees for work related injuries.

• Alternative insurance called “wrap-up” may apply on very large construction projects ($90 million in construction costs).

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