--- title: Workers' Compensation | Business Insurance | GNSA description: Find the best affordable Oregon Workers' Compensation insurance through GNSA. image: https://www.gnsadmin.com/hubfs/AI-Generated%20Media/Images/Warehouse%20Worker%20Injury%20Assistance.png --- [** ](tel:5039720999) [503-972-0999](tel:5039720999) [** ](mailto:info@gnsadmin.com) [info@gnsadmin.com](mailto:info@gnsadmin.com) [** ](https://www.gnsadmin.com/gnsa-login-and-support) [Customer Login](https://www.gnsadmin.com/login) [![GNSA Standard Logo](https://www.gnsadmin.com/hs-fs/hubfs/Graphics%2c%20Design%2c%20Images%2c%20and%20Logos/logos/GNSA%20logos/GNSA%20Standard%20Logo.png?width=1000&height=300&name=GNSA%20Standard%20Logo.png "GNSA Standard Logo")](https://www.gnsadmin.com/) - [Services](https://www.gnsadmin.com/services) - [Payroll](https://www.gnsadmin.com/services/payroll) - [Expense Tracking](https://www.gnsadmin.com/services/expense-tracking) - [Human Resource Management](https://www.gnsadmin.com/services/human-resource-management) - 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[Health Insurance](https://www.gnsadmin.com/services/insurance-partner-network/group-health-insurance) - [Dental Insurance](https://www.gnsadmin.com/services/insurance-partner-network/dental-insurance) - [Vision Insurance](https://www.gnsadmin.com/services/insurance-partner-network/vision-insurance) - [Section 125 Plans](https://www.gnsadmin.com/services/insurance-partner-network/section-125-plans) - [Life and Disability Insurance](https://www.gnsadmin.com/services/insurance-partner-network/life-disability-insurance) - [Retirement Plans](https://www.gnsadmin.com/services/insurance-partner-network/retirement-plans) - [Oregon Retirement Plan Mandate Options](https://www.gnsadmin.com/services/insurance-partner-network/retirement-plans/oregon-retirement-plan-options) - [Industries](https://www.gnsadmin.com/industries-served) - [Healthcare](https://www.gnsadmin.com/industries-served/healthcare) - [Hospitality](https://www.gnsadmin.com/industries-served/hospitality) - [Manufacturing](https://www.gnsadmin.com/industries-served/manufacturing) - [Nonprofits](https://www.gnsadmin.com/industries-served/nonprofit) - [Resources](https://www.gnsadmin.com/resources) - [PeoplePro Resources](https://www.gnsadmin.com/resources) - [PeoplePro Demo Videos](https://www.gnsadmin.com/resources/demos) - [PeoplePro & HCM Whitepapers](https://www.gnsadmin.com/resources/whitepapers) - [Employer Resources](https://www.gnsadmin.com/resources/forms-and-calculators) - [Staff Insights](https://www.gnsadmin.com/blog) - [Company News](https://www.gnsadmin.com/gnsa-news-press-releases) - [Events](https://www.gnsadmin.com/gnsa-events) - [About Us](https://www.gnsadmin.com/about-us) - [Our Support Team](https://www.gnsadmin.com/about-us/our-team) - [Careers](https://www.gnsadmin.com/careers) - Get In Touch - [Request a Demo](https://www.gnsadmin.com/request-a-demo) - [Contact Us](https://www.gnsadmin.com/contact-us) - [Make a Referral](https://www.gnsadmin.com/referrals) - [PeoplePro Login](https://www.gnsadmin.com/login) # Workers' Compensation Insurance ### Find Affordable Workers' Compensation Coverage [ GET A QUOTE ](https://www.gnsadmin.com/insurance/business-and-commercial/workers-compensation/quote) ## The "Difference" GNSA Brings To Workers' Compensation ---   ![Portland Oregon](https://www.gnsadmin.com/hubfs/Graphics,%20Design,%20Images,%20and%20Logos/GNSA_September2019%20Theme/Image/portland1.jpeg "Portland Oregon") Workers' Compensation Insurance (Workers' Comp) helps cover medical expenses and lost wages for employees who are injured on the job. Coverage is required in most states, including Oregon. By obtaining coverage, employers can provide employees with medical treatment if injured and help them recover and return to work, while protecting themselves from legal action that could arise from a workplace injury. Through GNSA's insurance partner network, Oregon employers can find affordable coverage that satisfies state requirements from a local, leading provider and expert. Employers looking to get started can get a [workers' compensation quote](https://www.gnsadmin.com/insurance/business-and-commercial/workers-compensation/quote) now. ## How Oregon Workers' Compensation Works ---   Step One Step Two Step Three ### Obtain Coverage The first step is for the employer to obtain coverage through a trusted workers' compensation insurance provider. ### Pay Premiums Employers then pay the premiums to the provider, which pays for most of the benefits workers recieve if they are injured or suffer a disease while on the job. ### If an Incident Occurs Oregon has laws in place that determine the level of benefits injured workers receive and who qualifies for them. The Oregon Department of Consumer and Business Services will ensure injured workers receive the benefits to which they are entitled.  [![GET A QUOTE](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/5439925/d59a7e7f-1b86-4a79-bc2b-f469a039422f.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/5439925/d59a7e7f-1b86-4a79-bc2b-f469a039422f) ## Workers' Comp Frequently Asked Questions (FAQ) ![Employee Benefits Frequently Asked Questions (FAQ) Icon](https://www.gnsadmin.com/hs-fs/hubfs/Graphics,%20Design,%20Images,%20and%20Logos/Icons/GNSA%20FAQ%20Icon-modified.png?width=225&height=225&name=GNSA%20FAQ%20Icon-modified.png "Employee Benefits Frequently Asked Questions (FAQ) Icon") Do I need workers' compensation? Most likely. Most states require employers to obtain workers' compensation coverage, including Oregon. What is a workers' compensation premium audit? A premium audit is a review of worker duties, and an examination of payroll and accounting records. What payment options are there for workers' compensation premiums? Employers can pay premiums via either ACH, by card, by mail, or by phone. Automatic payment options are available. How much does workers' compensation insurance cost? The cost depends on several factors, including industry and job classifications, annual payroll, number of employees, claims history, workplace safety record, experience modification rating (if applicable). Businesses in lower-risk industries, such as professional services, generally pay lower premiums than construction, manufacturing, or logging companies. What does workers' compensation insurance cover? Workers' compensation insurance typically covers medical treatment for work-related injuries or illnesses, wage replacement for employees who cannot work while recovering, permanent disability benefits, vocational rehabilitation when necessary, death benefits for eligible dependents, employer liability protection for covered workplace injuries. Who needs to be covered under a workers' compensation policy? In most cases, all employees must be covered, including full-time employees, part-time employees, seasonal employees, temporary employees. ## Ask A Workers' Compensation Insurance Question! ---   If you have any workers' compensation or other business insurance questions, submit them below, and our insurance experts will get back to you as soon as possible. ### About 6915 S Macadam Ave Suite 350 Portland, OR 97219 Phone: 1-503-972-0999 Email: [info@gnsadmin.com](mailto:info@gnsadmin.com) MON-FRI 6:00 AM – 5:00 PM PST ### Services - [Payroll](https://www.gnsadmin.com/services/payroll) - [Expense Tracking](https://www.gnsadmin.com/services/expense-tracking) - [Human Resource Management](https://www.gnsadmin.com/services/human-resource-management) - [Time and Labor Management](https://www.gnsadmin.com/services/time-and-labor-management) - [Employee Benefits Solution](https://www.gnsadmin.com/services/benefits-administration) - [Employee Benefits Outsourcing](https://www.gnsadmin.com/services/benefits-administration-outsourcing) - [ACA Management](https://www.gnsadmin.com/services/aca-management) - [Talent Acquisition](https://www.gnsadmin.com/services/talent-acquisition) - [Employee Onboarding](https://www.gnsadmin.com/services/employee-onboarding) - [Leave Management](https://www.gnsadmin.com/services/leave-management) - [Performance Management](https://www.gnsadmin.com/services/performance-management) - [Scheduling](https://www.gnsadmin.com/services/scheduling) - [Learning Management](https://www.gnsadmin.com/services/lms) - [Accruals](https://www.gnsadmin.com/services/accruals) - [Client Services](https://www.gnsadmin.com/services/client-services) - [COBRA Administration](https://www.gnsadmin.com/services/cobra-administration) - [Mobile App](https://www.gnsadmin.com/services/mobile-app) - [Benefits & Insurance](https://www.gnsadmin.com/insurance/employee-benefits) ![GNSA - Web Footer 2026](https://www.gnsadmin.com/hs-fs/hubfs/Graphics,%20Design,%20Images,%20and%20Logos/logos/Partner%20and%20Association%20Logos/GNSA%20-%20Web%20Footer%202026.jpeg?width=948&height=265&name=GNSA%20-%20Web%20Footer%202026.jpeg "GNSA - Web Footer 2026") [LinkedIn ** ](https://www.linkedin.com/company/gnsa) [Twitter ** ](https://twitter.com/gnsa_pdx) [Facebook ** ](https://www.facebook.com/gnsadmin) © Copyright 2026 GNSA, LLC. All rights reserved. Website maintained by [Marketing All Day](https://www.marketingallday.com/). ```json { "@context" : "https://schema.org", "@type" : "FAQPage", "mainEntity" : [ { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Most likely. Most states require employers to obtain workers' compensation coverage, including Oregon." }, "name" : "Do I need workers' compensation?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "A premium audit is a review of worker duties, and an examination of payroll and accounting records." }, "name" : "What is a workers' compensation premium audit?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Employers can pay premiums via either ACH, by card, by mail, or by phone. Automatic payment options are available." }, "name" : "What payment options are there for workers' compensation premiums?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "The cost depends on several factors, including industry and job classifications, annual payroll, number of employees, claims history, workplace safety record, experience modification rating (if applicable). Businesses in lower-risk industries, such as professional services, generally pay lower premiums than construction, manufacturing, or logging companies." }, "name" : "How much does workers' compensation insurance cost?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Workers' compensation insurance typically covers medical treatment for work-related injuries or illnesses, wage replacement for employees who cannot work while recovering, permanent disability benefits, vocational rehabilitation when necessary, death benefits for eligible dependents, employer liability protection for covered workplace injuries." }, "name" : "What does workers' compensation insurance cover?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "In most cases, all employees must be covered, including full-time employees, part-time employees, seasonal employees, temporary employees." }, "name" : "Who needs to be covered under a workers' compensation policy?" } ] } ```