State Accident Insurance Fund (SAIF)
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Product focus - Monoline workers’ compensation, primarily Oregon employers. SAIF is Oregon’s not-for-profit, state-chartered workers’ comp carrier. Geographic appetite - Primarily Oregon operations. Accounts are typically written when the employer’s Oregon payroll exceeds 50% of total non‑monopolistic state payroll. Monopolistic states (e.g., WA, WY, ND, OH) are excluded from that calculation. - Policies are quoted and administered via saifQuote/quote.saif.com; producers should confirm multi‑state exposure handling and any out‑of‑Oregon placements directly with underwriting. ([saif.com](https://www.saif.com/agent/comp-quotes-spring-2024.html?utm_source=openai)) Preferred/target business - Broad appetite for standard Oregon employers with stable operations, predictable loss experience, and a commitment to safety. - SAIF emphasizes proactive safety and return‑to‑work; employers that engage in safety consultation and use Oregon’s preferred worker‑return programs are generally considered attractive from a risk profile standpoint. ([saif.com](https://www.saif.com/agent/comp-quotes-winter-2024.html?utm_source=openai)) Restricted or declined classes - SAIF does not post a public, detailed class‑by‑class appetite guide. Underwriting accepts or declines based on loss history, safety practices, and risk characteristics identified in each submission. ([sos.oregon.gov](https://sos.oregon.gov/archives/Documents/recordsmgmt/sched/schedule-saif.pdf?utm_source=openai)) - Monopolistic states’ exposure (e.g., WA, WY, ND, OH) is not written by SAIF; those states administer their own workers’ comp systems, and such payroll must be covered elsewhere. ([saif.com](https://www.saif.com/agent/comp-quotes-spring-2024.html?utm_source=openai)) Submission and quoting requirements - New business is submitted and quoted through saifQuote/online tools. Agents should - Enter complete class code information and payroll estimates (by state and exposure). - Provide loss runs and safety information as requested. - Use the online quote and rate tools and refer to the current SAIF rate information and minimum premium schedules effective January 1, 2024 and subsequent updates. ([quote.saif.com](https://quote.saif.com/?utm_source=openai)) - Once a quote is presented and accepted, coverage must be bound no later than five business days from the effective date or from the client’s acceptance date, whichever comes first. ([saif.com](https://www.saif.com/agent/selling-saif/getting-a-quote.html?utm_source=openai)) Producer/agent operational notes - Agents should: - Use the agent portal (saifQuote) for all standard submissions and monitor the CompQuotes (Winter, Spring, Summer) bulletins for current underwriting, operational, and systems updates. - Follow instructions in CompQuotes regarding documentation, electronic submissions, and use of updated email addresses and forms. - Direct questions to SAIF agency staff/underwriting via the published agent support numbers and email contacts. ([saif.com](https://www.saif.com/agent/comp-quotes-summer-2024.html?utm_source=openai)) - SAIF regularly offers underwriting training and workers’ comp seminars for agents; participation is encouraged to stay current on Oregon statutory/benefit changes, rating, and SAIF underwriting expectations. ([saif.com](https://www.saif.com/agent/underwriting-training-series-returns-in-2026.html?utm_source=openai)) Payroll and rating details (for underwriting/producer accuracy) - Payroll reporting must follow SAIF/NCCI rules on included vs. excluded remuneration (e.g., treatment of officers, retirement and benefit plan contributions, and profit‑sharing). Accurate classification of wages is necessary for correct premium and is subject to audit. ([saif.com](https://www.saif.com/employer-guide/payroll/how-to-fill-out-your-payroll-report/wages-and-pay.html?utm_source=openai)) Practical guidance for brokers - Target Oregon‑centric employers with more than half of non‑monopolistic payroll in Oregon and demonstrate a commitment to safety and early return‑to‑work. - Avoid or pre‑clear complex multi‑state, heavy high‑hazard, or unusual risk profiles with underwriting before marketing SAIF as an option. - Ensure submissions are clean, with complete payroll and loss information, and adhere strictly to the five‑day binding window and any current CompQuotes operational changes.