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Workers' Compensation Insurance
Protecting Your Most Important Asset
Associated Oregon Loggers (AOL) is the premier agency in Oregon for SAIF workers’ compensation insurance service and sales for forest operators. Our experienced team of Safety Management Consultants (SMC) and licensed insurance agents serve every corner of Oregon. AOL knows how to protect your employees, forest operations and compliance requirements. Our goal is to help companies get the lowest rate possible. AOL's team provides benefit in all stages of Workers’ Compensation Insurance. Our agents help member companies get the coverage for the type of work you perform. Our SMCs provide the safety services to educate employees in order to avoid accidents. The lowest rates require consistent attention and dedication to safety. SMCs provide documentation to SAIF in order justify lowering rates or keeping your current rate when an accident occurs. AOL can also help our members get the coverage they need in other states. We are licensed in the six western states: Arizona, California, Colorado, Idaho, and New Mexico. Our skilled agents can help companies navigate questions of reciprocity and national job descriptions. What is Workers' Comp Insurance? Workers’ Compensation (Comp) insurance insures the relationship between a worker and the employer. Prior to the enactment of Comp laws, workers were forced to sue the employer for work related injuries. This resulted is valuable recovery time being lost and the accident having a major impact on both the worker and the employer. Comp laws are based on the premise of liability without fault. This means that the employer is liable for an injury in the workplace no matter who is deemed at fault, allowing the worker to recover faster and minimizing the accident's lasting
effects.
What is Return-To-Work? Return-to-work (RTW) is a program managed by SAIF that's sole purpose is to minimize the impact of an accepted Comp claim. It does this by assisting the worker in finding a doctor or specialist, moving doctors, getting appointments, assisting in creating light duty, and is a central point of contact for communication for between providers and the employer. The RTW program even helps find funding for light duty positions or training. RTW's singular goal is to minimize recovery time. Light duty has benefits
By returning the injured worker to light duty the employee receives:
By returning the injured worker to light duty the employer receives:
If you have questions about Return-To-Work, contact your Agent or SMC. Workers' Comp
 History of the Program
Nearly forty years ago, AOL partnered with SAIF Corporation to establish a dedicated loggers' group program. This program has saved our members millions of dollars through additional discounts and dividends while delivering specialized logging safety services. It also provides agent support for arrangement and negotiation, along with a wide range of technical assistance tailored to the unique insurance needs of our industry. |
