Hotels & Hospitality workers compensation in Oregon
Hotels & Hospitality businesses in Oregon pay a median rate of $0.660 per $100 of payroll, ranging from $0.200 to $3.87. The national median for Hotels & Hospitality is $0.860, so Oregon sits 23% below the national average. 7 unique NCCI class codes are filed in this state for Hotels & Hospitality occupations. Verified 2026-05-09.
Top Hotels & Hospitality class codes in Oregon
The class codes most likely to apply to a Hotels & Hospitality operation in Oregon, sorted from cheapest to most expensive per $100 of payroll. Click into any code for the full state-by-state rate comparison.
| Code | Occupation | Rate per $100 | Confidence |
|---|---|---|---|
| 7453 N | Boat Livery | $0.200 | HIGH |
| 9012 | Building Operation - Theaters | $0.290 | HIGH |
| 9061 | Country club | $0.530 | HIGH |
| 9060 | Country Club Operations | $0.660 | HIGH |
| 9182 | Golf Course Operation | $0.860 | HIGH |
| 7425 | Railroad Sleeping Car | $1.00 | HIGH |
| 9186 | Bowling Center Operation | $3.87 | HIGH |
Oregon compliance for Hotels & Hospitality employers
Coverage threshold
All employers with one or more employees are required to carry workers' compensation insurance.
1099 vs W-2 in Hotels & Hospitality
Individuals classified as independent contractors are generally not considered employees for workers' compensation purposes if they meet specific statutory criteria.
Owner exclusion
Allowed in Oregon. Sole proprietor self-coverage optional; LLC member self-coverage optional.
Max weekly benefit
$1,885 at 66.67% of average weekly wage, effective 2025-07-01.
Statute of limitations
1 year from injury date in Oregon.
Audit window
Oregon carriers audit payroll within 90-120 days of policy expiration. Keep Hotels & Hospitality payroll segregated by class code and have job-duty documentation ready.
Cross-cite: full Oregon workers comp overview · Hotels & Hospitality cross-state rate comparison · Oregon workers comp lawyer guide · Oregon settlement chart
Estimate your Hotels & Hospitality premium in Oregon
Pre-filled to Hotels & Hospitality and Oregon. Adjust payroll to see a real premium range from filed rates.
Estimate your workers comp premium
Pick your industry, state, and annual payroll. Range comes from real rate filings.
Estimated annual premium for Hotels & Hospitality in Oregon
$1,000to$19,350
Median: $3,300 · Rate range $0.200 to $3.87 per $100 payroll
Industry median across all states
$4,300
Cheapest states for Hotels & Hospitality
- Pennsylvania $0.380
- Utah $0.460
- Tennessee $0.470
Most expensive
- California $3.38
- New Jersey $2.19
- Hawaii $1.77
Estimate based on 24 states of rate-filing data. Actual premium also reflects experience modifier, schedule credits, and carrier underwriting.
Filing checklist for Hotels & Hospitality businesses in Oregon
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Step 1, Confirm coverage threshold
All employers with one or more employees are required to carry workers' compensation insurance. For Hotels & Hospitality operations, this typically applies once you make a first W-2 hire, even part-time.
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Step 2, Pick the right class code
Hotels & Hospitality businesses typically use codes like 7453, 9060, 9061. The wrong code can cost 4 to 10x more or get reclassified at audit. In Oregon, the cheapest code on this list is 7453 N at $0.200 and the most expensive is 9186 at $3.87.
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Step 3, Get a quote
SAIF Corporation is one option in Oregon; private carriers (Travelers, Hartford, Liberty Mutual, AmTrust) also write coverage. Schedule credits up to 25% are typical for low-loss accounts.
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Step 4, Document subcontractors
General contractors can be held liable for the workers' compensation coverage of uninsured subcontractors and their employees. Hotels & Hospitality operators with crews of 1099s should keep certificates of insurance for every sub, otherwise the GC absorbs the sub liability at audit.
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Step 5, Annual audit
Carriers audit payroll within 90-120 days of policy expiration. Have payroll segregated by class code, job descriptions on file, and overtime properly excluded from rated payroll. Hotels & Hospitality class allocation can shift if any worker spends more than 50% of time on a different code.
Hotels & Hospitality workers comp FAQs in Oregon
What is the typical workers comp rate for Hotels & Hospitality in Oregon?
Hotels & Hospitality employers in Oregon pay a median rate of $0.660 per $100 of payroll, with rates ranging from $0.200 to $3.87 depending on the specific class code. The national median across all states for Hotels & Hospitality is $0.860, so Oregon sits about 23% below the national average.
How many Hotels & Hospitality class codes are filed in Oregon?
Oregon has 7 unique NCCI class codes filed for Hotels & Hospitality occupations, drawn from 7 state-class code rate cells in our dataset. The most common codes include 7453 (Boat Livery), 9060 (Country Club Operations), 9061 (Country club).
Are Hotels & Hospitality 1099 contractors covered by workers comp in Oregon?
Individuals classified as independent contractors are generally not considered employees for workers' compensation purposes if they meet specific statutory criteria.
What is the maximum weekly benefit for an injured Hotels & Hospitality worker in Oregon?
Oregon caps weekly workers comp benefits at $1,885 (effective 2025-07-01), calculated as 66.67% of the average weekly wage. Hotels & Hospitality workers are subject to the same statutory cap as workers in any other industry.
How long does a Hotels & Hospitality worker have to file a comp claim in Oregon?
The statute of limitations in Oregon is 1 year from the date of injury. Most claims also require notice to the employer within 30 days. Hotels & Hospitality workers should report any incident on the date it happens, even minor strains, because cumulative trauma claims can fail without contemporaneous documentation.
Can a Hotels & Hospitality business owner exclude themselves from comp coverage in Oregon?
Yes, Oregon allows business owners (sole proprietors, partners, LLC members, corporate officers) to file an exclusion election. Hotels & Hospitality owner-operators often elect out to keep premium below the minimum. Sole-proprietor self-coverage is not required, and LLC member self-coverage is not required.