WORKERS' COMP INSURANCE

SAIF Announces 21% Discount on Workers' Comp Premiums!
SAIF, Oregon’s not-for-profit workers’ compensation insurance company, announced approval of a 21% discount on workers’ comp premiums for Oregon Restaurant & Lodging Association (ORLA) members who meet the ORLA Workers’ Compensation Group eligibility requirements. Group eligibility is reviewed at the workers’ compensation insurance renewal date. This represents the largest discount available for Oregon’s hotels and restaurants in the program, and there’s no minimum annual premium.
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  • ORLA MEMBERS: Interested in becoming a SAIF customer and joining the ORLA plan? Contact your agent or SAIF directly at 888.598.5880 and ask for an ORLA Group quote. 
  • EXISTING SAIF CUSTOMERS: Ensure your agent is getting you an ORLA Group quote or contact SAIF directly at 888.598.5880 to be submitted to the ORLA Group.
    NOTE: Even if you are an existing SAIF customer, you must ask your agent to submit a quote for the ORLA Group plan; you are not automatically submitted.
 
The restaurant and lodging industries face some of the most difficult workplace safety challenges. To help protect the industries’ over 183,000 workers, SAIF has teamed up with ORLA to find new ways to reduce injuries, improve health, and lower workers’ compensation costs.
 
SAIF is the Market Leader in Workers’ Compensation:
  • Over half of the workers' compensation insurance policies in Oregon are issued by SAIF.
  • Experienced claims adjusters excel at managing restaurant and hospitality claims.
  • Dedicated safety management professionals and return-to-work consultants understand the unique needs of restaurant and hospitality employers.
  • Customers have access to industry-specific safety and health guides as well as resources and guidelines for hiring and training employees.
  • SAIF’s website offers on-demand policy and claims information, certificates of insurance, and online claims reporting.
  • Employment risk management resources provide guidance in areas such as proper hiring practices, human resource issues, and drug and alcohol testing.
 
For questions or more information, contact Pat Morrill, CPCU, AIC, Agency and Group Program Coordinator for SAIF, at Patmor@saif.com or call 503.373.8827 (direct line) or 503.983.5767 (work cell).
 
Not a member? Contact ORLA at Membership@OregonRLA.org or call 800.462.0619.

For more information about the new program, contact John Hamilton, COO for ORLA, at 503.682.4422.
​​WATCH NOW: Chefs compete to see who’s got the chops when it comes to restaurant safety. Learn how to avoid common kitchen injuries, including burns and cuts, muscle strains and falls, and hazardous chemicals and equipment. For more info, visit saif.com/kitchensafety.

SAIF E-Learning

SAIF's free online trainings will make you smart on a range of topics—from preventing workplace injuries to filing and managing a claim. Learn more about SAIF's Learning Center.
Eligible Principle Class Codes:
  1. Restaurants 9079
  2. Lodging 9052
  3. RV Parks and Time Shares 9012, 9015
 
Eligibility Criteria:
  • No minimum annual premium threshold
  • Be a member in good standing of the association (dues paid current) 
  • Earned or unearned experience rating 1.00 or less
  • Group history period* incurred to manual loss ratio less than 40 percent 
  • Group history period frequency of business operations less than SAIF average frequency for the principal class for accounts newly enrolling in the group**
  • Group history period frequency of business operations less than 1.5 times the SAIF average frequency for the principal class for current group members renewing in the group**
  • Underwriters have judgment authority for approving group pricing.

* Group history period includes policy periods incepting within 57 months prior to the effective date of the policy year being priced and must include a minimum of 34 months of history.
** SAIF calculates an average expected claim frequency (per $100 payroll) for each class effective January 1 each year using the expected frequency for the year that corresponds to the effective date of the policy year being priced.