Workers' Compensation Insurance in Bend, Oregon

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 Before we dive into coverage, here’s why it’s important:

• It’s legally required – Oregon law requires most employers with one or more employees to carry workers’ comp.
• It protects your employees – Medical bills, lost wages, and rehab services are covered if someone gets hurt on the job.
• It protects your business – Without coverage, you could face lawsuits, penalties, and financial risks.

Workers’ compensation insurance is enforced through the Oregon DCBS and its Compensation Division, which makes compliance non-negotiable for any employer in the state. Having workers’ comp in place ensures employees receive proper care if they suffer work-related injuries, while employers avoid hefty fines and lawsuits. 

For businesses in Bend and across Central Oregon, this type of business insurance also helps strengthen company culture by showing employees that their well-being matters. In a competitive labor market, offering employer coverage through a workers’ compensation policy can give you an edge, helping retain loyal workers and protecting your long-term business goals.

Here’s what’s typically included in a workers’ comp policy in Oregon:

• Medical expenses from workplace injuries or illnesses.
• Lost wages when employees need time off to recover.
• Rehabilitation costs, such as physical therapy.
• Permanent disability benefits are available if an employee cannot return to work.
• Death benefits for families if a workplace incident is fatal.

Workers’ compensation coverage provides financial stability for employees during some of the hardest times in their lives. Whether it’s a broken bone, long-term rehabilitation, or permanent disability, workers’ comp ensures there’s a system to handle compensation claims fairly. 

For employers, the policy acts as a shield, protecting against unpredictable costs and giving peace of mind that every claim will be processed within Oregon’s regulatory framework. Having strong compensation insurance means your business can focus on growth instead of worrying about lawsuits or unresolved claims.

Oregon has specific rules, and not all businesses fall under the same obligations. For example:

• Most businesses with one or more employees must carry workers’ comp.
• Sole proprietors, partners, and members of an LLC may be exempt, but coverage is often still recommended.
• Independent contractors are not automatically covered unless they meet certain criteria.

Bend Health Insurance helps you navigate these rules so you stay compliant with the Oregon Workers’ Compensation Division.

We know Central Oregon businesses because we’re one of them. When you partner with us for workers’ comp coverage, you get:

• Local expertise – We understand Bend’s industries, from healthcare to construction to hospitality.
• Personalized guidance – We’ll walk you through what you need and make sure you’re not overpaying.
• Full-service support – From filing paperwork to managing renewals, we make the process hassle-free.

We’re not just brokers; we’re your long-term partners in protecting your business.

Protect your employees. Protect your business. Stay compliant.

📞 Call us at (541) 668-5687 or request a quote today to see how Bend Health Insurance can set you up with the right workers’ compensation coverage in Bend, Oregon.

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Workers' Compensation Insurance