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Workers’ Comp Insurance required of all commercial contractors

by CCB Staff on December 13th, 2010

(Re-post from May 6, 2010)

If you are a commercial contractor who previously did not need workers’ compensation insurance, you must now purchase workers’ compensation insurance by July 1, 2010, as a result of House Bill 3242 passed by the 2007 Legislature.

This is a condition for your CCB license. 

For information on how to obtain workers compensation insurance you may contact The Small Business Ombudsman for Workers Compensation by calling 503-378-4209 or you can e-mail your questions to jan.l.bissell@state.or.us or david.waki@state.or.us.

Here are some suggestions for obtaining insurance:

How to get insurance

SAIF Corporation has developed an underwritten workers’ compensation insurance program in response to HB 3242.  You may contact SAIF’s Service Center toll free at 888-598-5880 or by email, servicecenter@saif.com. Or you may contact your local insurance agent. Information is also available on SAIF’s website: www.saif.com.  SAIF is not required to accept every contractor who applies for coverage. 

If you cannot find coverage with SAIF or another voluntary market insurer, you are eligible for coverage in the Workers’ Compensation Insurance Plan, Oregon’s assigned risk plan.  You must have proof that one insurance company has declined to provide coverage.  It will be necessary to complete an assigned risk plan application.  Your application to the declining insurer cannot be reused.

You should know that each application to the assigned risk plan enters into the Voluntary Coverage Assistance Program (VCAP), which attempts to match employers with participating voluntary market insurers.  You may receive a voluntary offer from this plan usually at premium less than the assigned risk plan.  If your application does not qualify for voluntary market coverage, you will be assigned to a plan insurance carrier.  Oregon has three assigned risk plan carriers.  They are SAIF, Liberty Northwest, and Travelers Indemnity.

Ask your agent or broker for help in completing a new application to apply for coverage in the assigned risk plan. You or your agent should submit a new application using one of the options below:

 (1)    RMAPS Online Application Service – You or your agent or broker can enter ACORD 130/133 application information online. The National Council on Compensation Insurance (NCCI) provides this free electronic service to submit business in the state-approved workers’ compensation insurance plan. Contact the NCCI customer service center toll-free at 800-NCCI 1-2-3 (800-622-4123) for access. NCCI also has a Web site at www.ncci.com .

(2)    Mail submission – You or your agent or broker may continue to submit hard copies of the ACORD 130 and ACORD 133 forms to the address below:

         NCCI, Inc.- Oregon                                                                                                                                                       

         P.O. Box 74619

        Chicago, IL 60675-4619

(3)  Telephone submission – You or your agent or broker can use NCCI’s toll-free number (800-NCCI 1-2-3) to submit an application by providing the ACORD 130 and ACORD 133 application information over the phone to an NCCI account analyst.

If you need information relating to classification codes, rates, experience modification factors, etc., please contact the NCCI Customer Service Center toll-free at 800-NCCI 1-2-3 (800-622-4123).

You can find additional information about this law and who is required to purchase workers’ compensation insurance by calling the Construction Contractors Board at 503-378-4621 or visiting their Web site at www.oregon.gov/CCB .

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