Time 4 Payroll would like to remind all employers in Oregon that, although you are required to be covered under Workers Compensation Insurance, the ORWBF that you see in payroll reports and paystubs is NOT workers compensation insurance.  ORWBF is simply a payroll tax that is applied to all employees that are required to be covered under workers comp insurance, but is not in fact the actual workers compensation insurance.

If you are a business owner with employees (the owners of the business are usually exempt) and are not sure if you have workers comp insurance, please contact your insurance broker.  If you do not have an insurance broker or agent, contact us and we will refer you to a good, qualified broker.

Washington businesses with employees are covered under state workers comp — Washington Labor & Industry (L&I) — and do not need to purchase a private workers comp insurance policy.