Occupational Accident Insurance in Oregon
Occupational accident insurance is a type of insurance policy that covers employees and contractors who are otherwise not covered by a worker's compensation policy. The state of Oregon does not require workers' compensation coverage for independent contractors. Still, employers who want to provide coverage for their contractors can do so with an occupational accident insurance policy. At Choice One Insurance Inc., an insurance agency in Clackamas, OR, we can help employers get insurance for their independent contractors and give everyone peace of mind when they're on the job.
Is Occupational Accident Insurance a Good Alternative to Workers Compensation?
The state of Oregon requires employers with employees to carry a worker's compensation policy. Occupational accident insurance is not a substitute for a worker's compensation policy. However, if your business has independent contractors or your company is otherwise exempt from workers' compensation laws in Oregon, you can get occupational accident insurance to provide medical and financial coverage for your contractors. Contractors can receive coverage similar to the type of benefits offered under traditional workers' compensation policy.
What Kind of Coverage Does Occupational Accident Insurance Provide?
An occupational accident insurance policy provides coverage to contractors who suffer injuries or accidental death while working under contract for an employer. It gives survivors benefits, temporary and permanent disability coverage, and medical coverage for injuries sustained during a job's performance. The benefits offered are similar to that of a worker's compensation policy. Still, sometimes an occupational accident insurance policy covers treatment areas and offers benefits that workers' compensation usually does not.
Contact Us Today to Find out if Occupational Accident Insurance is Right for Your Business
At Choice One Insurance Inc., we can help you determine if you need traditional workers' compensation or occupational accident insurance. Give us a call at our insurance agency in Clackamas, OR today to discuss your insurance needs and get the right kind of coverage for your employees or contractors.