Oregon Construction Contractors (CCB) Practice Test

Are exempt commercially endorsed contractors required to have worker's compensation insurance?

1. Yes, always

2. No, unless they choose

3. Only for certain tasks

4. Only if they have employees

The correct answer is: No, unless they choose

Exempt commercially endorsed contractors have specific considerations when it comes to worker's compensation insurance. Under Oregon law, these contractors are not required to carry worker’s compensation insurance unless they opt to do so, which aligns with the choice provided. This exemption typically applies to sole proprietors or contractors without employees. Therefore, they have the option to carry insurance for their own protection but are not mandated to have it unless they have employees or choose to provide coverage for themselves. In contrast, those who choose to employ workers must have insurance, and failing to comply could result in penalties or liabilities. The nuanced nature of this requirement emphasizes the importance of understanding the specific conditions under which a contractor operates.