Oregon Concrete Workers Comp Rates 2026: Class Code, Cost

Concrete workers comp in Oregon 2026: the state's class code, rate, cost per worker from BLS wages, and neighboring states.

Oregon Concrete Workers Comp Rates (2026)

The published Oregon pure premium for concrete workers comp, class 5213 (Concrete Construction NOC), is $1.810 per $100 of payroll (effective January 1, 2026). Carriers multiply it by their own filed multiplier, so a typical premium is about $2.71.

A pure premium covers expected claims only. Each carrier files its own multiplier for expenses; in the states that publish the full list, the median is about 1.5, which is what the typical premium here uses. Your quote can be lower or higher. Source.

Oregon class code for concrete

  • 5213: Concrete Construction NOC
  • 5215 (Concrete Work - Incidental to the Construction of Private Residence)
  • 5221 (Concrete or Cement Work - Floors, Driveways, Yards or Sidewalks & Drivers)

Concrete work involves heavy lifting, silica dust from cutting and grinding, skin burns from wet cement, and equipment hazards from mixers, vibrators and pumps.

What comp costs per concrete finisher in Oregon

The Bureau of Labor Statistics counts 2,170 cement masons and concrete finishers on payrolls in Oregon (May 2025), the 29th largest workforce among the 50 states and DC. The median wage is $32.95 an hour, 20% above the US median of $27.41.

Cement masons and concrete finishers make up about the same share of Oregon jobs as they do nationally (location quotient 0.83).

At a typical Oregon premium of about $2.71 per $100 of payroll (the published pure premium of $1.81 for class 5213 times a 1.5 carrier multiplier), comp on one worker at that wage costs about $0.89 for every hour worked, or $1,857 a year full time. A 4-person crew comes to roughly $7,429 a year in premium before any experience mod.

Because premium is charged on payroll, who you hire moves the bill. Oregon pay runs from $23.56 an hour at the 10th percentile to $45.45 at the 90th, so the same rate costs $0.64 an hour on a new hire and $1.23 on a senior hand.

Workers comp requirements in Oregon

  • Coverage required: 1 employee
  • Owners and sole proprietors: Owners and 10%+ officers excluded by default; personal coverage only if the insurer accepts a written election
  • State fund: Competitive state fund (SAIF Corporation)
  • Waiting period: 3 days; retroactive if off 14 consecutive days or hospitalized overnight within 14 days
  • Penalty for going without: $1,000 or twice the premium owed, plus $250 per day and personal liability for benefits

Oregon restores the waiting period retroactively if a worker is hospitalized overnight within the first 14 days, not only through the standard consecutive-day trigger.

Oregon vs neighboring states

Oregon has the lowest concrete comp rate in its region; every neighboring state charges more per $100 of payroll.

Working across the line into Washington needs separate coverage from that state's fund. A private policy's other-states coverage (item 3.C) does not reach monopolistic states.

What moves a concrete comp bill

  • Concrete classes depend on the work: flatwork and driveways often rate differently from foundations and structural pours. Getting the class right is the first saving.
  • Back and crush injuries from forms, rebar, and pump hoses drive claims. A short pre-pour safety check on every job helps your mod over three years.
  • Concrete crews often hire short-term labor during the pour season. Every worker you pay counts at audit, so keep clean payroll records for temporary hires.
  • Owner-operators who pour alone can often exclude themselves; the rules vary by state, so check before you skip coverage.

Related Oregon Concrete pages