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Workers' compensation insurance rates

Highlights

  • The insurance commissioner approved overall pure premium rate reduction of 9.7 percent for 2019.
  • Over the period of 2013-2019, the cumulative rate change has been a reduction of 40 percent.

Oregon has employed a competitive ratemaking system for workers’ compensation insurance. Under this system, the National Council on Compensation Insurance (NCCI) develops pure premium rates for each of more than 500 rating classifications, based on expected losses. These rates are subject to the approval of the Oregon insurance commissioner. Pure premium covers only benefit costs; it is based on claims from recent injuries.

The following table show the history of Oregon’s pure premium rate changes and the total system written premiums.

Pure premium rate changes

Year Pure Premium Rate Changes Total System Written Premiums

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