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News Release

Beaverton Contractor Fined $317,587 For Repeated Job Safety Violations (Photo) - 10/15/26

The Oregon Occupational Safety and Health Division (Oregon OSHA) has fined a Beaverton construction company $317,587 for repeatedly violating job safety requirements, including failing to protect workers from fall hazards that could seriously injure or kill them.
 

The division cited Luka’s General Construction LLC after an inspection of a jobsite in Molalla where work was being done on the roof of a two-story house.
 

The company did not implement any fall protection system to protect employees from a potential fall hazard of as much as 19 feet, according to Oregon OSHA’s findings. The employees were working with their full-body fall protection harnesses on, but they had not connected them to any fall protection anchor. Luka’s General Construction violated an Oregon OSHA rule requiring employers to provide, install, and implement fall protection systems where employees are exposed to a hazard of falling 6 feet or more to a lower level.
 

In another violation, the company was cited for failing to ensure a ladder extended at least 3 feet above the roof level surface to allow workers to safely mount and dismount the ladder at the top. In yet another violation, the company did not have certification records verifying employees were trained in how to recognize fall hazards and the procedures to be followed to minimize those fall hazards.
 

The failure to implement any fall protection system and ladder violations were both fifth-repeat violations committed by the company. In this instance, the fifth-repeat violations mean the company was caught violating these safety requirements for the sixth time in less than two years. The violations carry penalties of $167,294 and $138,146, respectively. The certification violation was a first-repeat violation, carrying a penalty of $12,147.
 

Under Oregon OSHA’s rules, penalties multiply when employers commit repeat offenses.


Under the Oregon Safe Employment Act, workers have a right to safe and healthy working conditions, and to raise concerns free of retaliation. The law requires employers to create and maintain safe and healthy workplaces.
 

In the construction industry, falls are one of the leading causes of death.
 

“Any employer who directs employees to work at heights must address potential fall hazards, with an emphasis on prevention,” said Renée Stapleton, administrator for Oregon OSHA. “To repeatedly fail to do so only increases the risk that a worker will be seriously injured or killed.”


Oregon OSHA’s enforcement program is rooted in prevention. The division requires employers to correct violations. Luka's General Construction corrected the fall protection and ladder violations. It is under an order to correct the certification violation.


Employers have 30 calendar days after receiving a citation to file an appeal. Luka’s General Construction filed an appeal.
 

Employers are encouraged to use free resources – available now from Oregon OSHA and involving no fault, no citations, and no penalties – for help protecting their employees:
 

Consultation services – Provides free help with safety and health programs, including how to control and eliminate hazards, and hands-on training.

Technical staff – Helps employers understand requirements and how to apply them to their worksites.

Oregon OSHA also offers free fall protection video training in English and Spanish, and key information for employers and workers.
 

###
 

About Oregon OSHA: Oregon OSHA enforces the state’s workplace safety and health rules and works to improve workplace safety and health for all Oregon workers. The division is part of the Department of Consumer and Business Services, Oregon’s largest consumer protection and business regulatory agency. Visit osha.oregon.gov and dcbs.oregon.gov.

Attached Media Files: Oregon OSHA logo, DCBS logo,

Beaverton Contractor Fined $317,587 For Repeated Job Safety Violations (Photo) - 10/15/26

The Oregon Occupational Safety and Health Division (Oregon OSHA) has fined a Beaverton construction company $317,587 for repeatedly violating job safety requirements, including failing to protect workers from fall hazards that could seriously injure or kill them.
 

The division cited Luka’s General Construction LLC after an inspection of a jobsite in Molalla where work was being done on the roof of a two-story house.
 

The company did not implement any fall protection system to protect employees from a potential fall hazard of as much as 19 feet, according to Oregon OSHA’s findings. The employees were working with their full-body fall protection harnesses on, but they had not connected them to any fall protection anchor. Luka’s General Construction violated an Oregon OSHA rule requiring employers to provide, install, and implement fall protection systems where employees are exposed to a hazard of falling 6 feet or more to a lower level.
 

In another violation, the company was cited for failing to ensure a ladder extended at least 3 feet above the roof level surface to allow workers to safely mount and dismount the ladder at the top. In yet another violation, the company did not have certification records verifying employees were trained in how to recognize fall hazards and the procedures to be followed to minimize those fall hazards.
 

The failure to implement any fall protection system and ladder violations were both fifth-repeat violations committed by the company. In this instance, the fifth-repeat violations mean the company was caught violating these safety requirements for the sixth time in less than two years. The violations carry penalties of $167,294 and $138,146, respectively. The certification violation was a first-repeat violation, carrying a penalty of $12,147.
 

Under Oregon OSHA’s rules, penalties multiply when employers commit repeat offenses.


Under the Oregon Safe Employment Act, workers have a right to safe and healthy working conditions, and to raise concerns free of retaliation. The law requires employers to create and maintain safe and healthy workplaces.
 

In the construction industry, falls are one of the leading causes of death.
 

“Any employer who directs employees to work at heights must address potential fall hazards, with an emphasis on prevention,” said Renée Stapleton, administrator for Oregon OSHA. “To repeatedly fail to do so only increases the risk that a worker will be seriously injured or killed.”


Oregon OSHA’s enforcement program is rooted in prevention. The division requires employers to correct violations. Luka's General Construction corrected the fall protection and ladder violations. It is under an order to correct the certification violation.


Employers have 30 calendar days after receiving a citation to file an appeal. Luka’s General Construction filed an appeal.
 

Employers are encouraged to use free resources – available now from Oregon OSHA and involving no fault, no citations, and no penalties – for help protecting their employees:
 

Consultation services – Provides free help with safety and health programs, including how to control and eliminate hazards, and hands-on training.

Technical staff – Helps employers understand requirements and how to apply them to their worksites.

Oregon OSHA also offers free fall protection video training in English and Spanish, and key information for employers and workers.
 

###
 

About Oregon OSHA: Oregon OSHA enforces the state’s workplace safety and health rules and works to improve workplace safety and health for all Oregon workers. The division is part of the Department of Consumer and Business Services, Oregon’s largest consumer protection and business regulatory agency. Visit osha.oregon.gov and dcbs.oregon.gov.

Attached Media Files: Oregon OSHA logo, DCBS logo,

Wildfire-impacted Oregonians Facing Insurance Nonrenewals Invited To Attend Statewide Open Houses (Photo) - 10/14/26

Salem – Wildfires have affected communities across Oregon with increasing frequency, leaving many homeowners facing not only property damage but also challenges in securing or keeping homeowners insurance. Nonrenewals and limited market options have become real and growing concerns for Oregonians living in high-risk areas.

 

To support consumers navigating these difficulties, the Oregon Division of Financial Regulation (DFR) is hosting a series of open houses in wildfire-impacted regions throughout the state. These events are designed to help homeowners understand their insurance options, learn how to shop for coverage, and receive one-on-one guidance from DFR.

 

Each open house will provide resources on how to find homeowners insurance, what to do if you’ve been nonrenewed, and how to work effectively with insurance agents and companies. Attendees will also have the opportunity to ask questions specific to their situation.

 

Open house schedule

  • Medford
    Oct. 28, 2026 | 6 to 7:30 p.m.
    Medford Armory
    1701 S. Pacific Highway, Medford, OR 97501
  • Klamath Falls
    Oct. 29, 2026 | 6 to 7:30 p.m.
    Oregon Institute of Technology – Student Union Auditorium
    3201 Campus Drive, Klamath Falls, OR 97601
  • Redmond
    Oct. 30, 2026 | 3:30 to 5 p.m.
    Redmond Library – Community Room 2
    827 SW Deschutes Ave., Redmond, OR 97756
  • The Dalles
    Nov. 5, 2026 | 6 to 7:30 p.m.
    The Dalles Armory
    Fort Dalles Readiness Center
    402 E. Scenic Drive, The Dalles, OR 97058
  • La Pine
    Nov. 18, 2026 | 4 to 5:30 p.m.
    La Pine Library – Community Room
    16425 First St., La Pine, OR 97739
  • Black Butte/Sisters
    Nov. 19, 2026 | 4 to 5:30 p.m.
    Sisters Public Library – Community Room
    110 N. Cedar St., Sisters, OR 97759

DFR encourages all homeowners in wildfire-prone areas – whether they have questions, concerns, or have already experienced a nonrenewal – to attend an event near them.

 

For more information, visit DFR’s wildfire resources webpage. If you have questions or need help, please contact one of our consumer advocates at 888-877-4894 (toll-free) or email dfr.insurancehelp@dcbs.oregon.gov. A complaint can be filed online at dfr.oregon.gov.

 

###

 

About Oregon DFR: The Division of Financial Regulation protects consumers and regulates insurance, depository institutions, trust companies, securities, and consumer financial products and services. The division is part of the Department of Consumer and Business Services, Oregon’s largest consumer protection and business regulatory agency. Visit dfr.oregon.gov and dcbs.oregon.gov.

 

Attached Media Files: DFR-logo-blue.jpg,

Wildfire-impacted Oregonians Facing Insurance Nonrenewals Invited To Attend Statewide Open Houses (Photo) - 10/14/26

Salem – Wildfires have affected communities across Oregon with increasing frequency, leaving many homeowners facing not only property damage but also challenges in securing or keeping homeowners insurance. Nonrenewals and limited market options have become real and growing concerns for Oregonians living in high-risk areas.

 

To support consumers navigating these difficulties, the Oregon Division of Financial Regulation (DFR) is hosting a series of open houses in wildfire-impacted regions throughout the state. These events are designed to help homeowners understand their insurance options, learn how to shop for coverage, and receive one-on-one guidance from DFR.

 

Each open house will provide resources on how to find homeowners insurance, what to do if you’ve been nonrenewed, and how to work effectively with insurance agents and companies. Attendees will also have the opportunity to ask questions specific to their situation.

 

Open house schedule

  • Medford
    Oct. 28, 2026 | 6 to 7:30 p.m.
    Medford Armory
    1701 S. Pacific Highway, Medford, OR 97501
  • Klamath Falls
    Oct. 29, 2026 | 6 to 7:30 p.m.
    Oregon Institute of Technology – Student Union Auditorium
    3201 Campus Drive, Klamath Falls, OR 97601
  • Redmond
    Oct. 30, 2026 | 3:30 to 5 p.m.
    Redmond Library – Community Room 2
    827 SW Deschutes Ave., Redmond, OR 97756
  • The Dalles
    Nov. 5, 2026 | 6 to 7:30 p.m.
    The Dalles Armory
    Fort Dalles Readiness Center
    402 E. Scenic Drive, The Dalles, OR 97058
  • La Pine
    Nov. 18, 2026 | 4 to 5:30 p.m.
    La Pine Library – Community Room
    16425 First St., La Pine, OR 97739
  • Black Butte/Sisters
    Nov. 19, 2026 | 4 to 5:30 p.m.
    Sisters Public Library – Community Room
    110 N. Cedar St., Sisters, OR 97759

DFR encourages all homeowners in wildfire-prone areas – whether they have questions, concerns, or have already experienced a nonrenewal – to attend an event near them.

 

For more information, visit DFR’s wildfire resources webpage. If you have questions or need help, please contact one of our consumer advocates at 888-877-4894 (toll-free) or email dfr.insurancehelp@dcbs.oregon.gov. A complaint can be filed online at dfr.oregon.gov.

 

###

 

About Oregon DFR: The Division of Financial Regulation protects consumers and regulates insurance, depository institutions, trust companies, securities, and consumer financial products and services. The division is part of the Department of Consumer and Business Services, Oregon’s largest consumer protection and business regulatory agency. Visit dfr.oregon.gov and dcbs.oregon.gov.

 

Attached Media Files: DFR-logo-blue.jpg,

Oregon Division Of Financial Regulation Keeps Pause On Cancellations In Place By Extending Wildfire Emergency Order Another 30 Days (Photo) - 09/29/26

Salem – The Oregon Division of Financial Regulation (DFR) has extended the wildfire emergency order and bulletin a second time for 30 days to Oct. 29. The order was set to expire Sept. 29. The division initially issued the order in late July for people affected by the state’s wildfire situation and extended it 30 days in late August. The ZIP codes listed in the bulletin remain covered. 
 
As a reminder, this order requires all property and casualty insurance companies to take proactive measures to protect people in wildfire affected areas. The order: 
• Suspends cancellations and nonrenewals 
• Establishes a grace period for premium payments for all insurance policies issued, delivered, or covering a risk in the affected areas
• Extends deadlines for policyholders to report claims or submit other claims-related communications
• Requires all insurers to take all practicable steps to provide opportunities for policyholders to report claims
 
If your home or property was damaged by the wildfires, contact your insurance company as soon as possible to discuss your situation and learn next steps. If you still have concerns, the division’s consumer advocates are here to help. Call 888-877-4894 (toll-free) or email dfr.insurancehelp@dcbs.oregon.gov.
 
Visit the DFR’s wildfire insurance resource page to view the order, bulletin, and more insurance information.
 
###
 
About Oregon DFR: The Division of Financial Regulation protects consumers and regulates insurance, depository institutions, trust companies, securities, and consumer financial products and services. The division is part of the Department of Consumer and Business Services, Oregon’s largest consumer protection and business regulatory agency. Visit dfr.oregon.gov and dcbs.oregon.gov. 
 

Oregon Division Of Financial Regulation Keeps Pause On Cancellations In Place By Extending Wildfire Emergency Order Another 30 Days (Photo) - 09/29/26

Salem – The Oregon Division of Financial Regulation (DFR) has extended the wildfire emergency order and bulletin a second time for 30 days to Oct. 29. The order was set to expire Sept. 29. The division initially issued the order in late July for people affected by the state’s wildfire situation and extended it 30 days in late August. The ZIP codes listed in the bulletin remain covered. 
 
As a reminder, this order requires all property and casualty insurance companies to take proactive measures to protect people in wildfire affected areas. The order: 
• Suspends cancellations and nonrenewals 
• Establishes a grace period for premium payments for all insurance policies issued, delivered, or covering a risk in the affected areas
• Extends deadlines for policyholders to report claims or submit other claims-related communications
• Requires all insurers to take all practicable steps to provide opportunities for policyholders to report claims
 
If your home or property was damaged by the wildfires, contact your insurance company as soon as possible to discuss your situation and learn next steps. If you still have concerns, the division’s consumer advocates are here to help. Call 888-877-4894 (toll-free) or email dfr.insurancehelp@dcbs.oregon.gov.
 
Visit the DFR’s wildfire insurance resource page to view the order, bulletin, and more insurance information.
 
###
 
About Oregon DFR: The Division of Financial Regulation protects consumers and regulates insurance, depository institutions, trust companies, securities, and consumer financial products and services. The division is part of the Department of Consumer and Business Services, Oregon’s largest consumer protection and business regulatory agency. Visit dfr.oregon.gov and dcbs.oregon.gov. 
 

DFR Warns Of “self-funded” Limited-partner Health Plans (Photo) - 09/22/26

Salem – The Oregon Division of Financial Regulation (DFR) is warning consumers to carefully review health insurance coverage offered through “self-funded” limited-partner plans or other unlicensed entities.

 

Oregonians should exercise caution before enrolling in a limited partner plan. Companies may offer plans that refer to consumers as “limited partners” or “employees” to avoid Oregon consumer-protection regulations. Many limited partner plans cover only preventive care, such as check-ups and annual health screenings. The plans tempt consumers with promises of low premium costs. However, consumers often end up with higher out-of-pocket costs due to uncovered medical bills. With open enrollment rapidly approaching, it is important to know what the difference is between these plans and standard plans. Open enrollment, which begins Nov. 1 and goes through Jan. 15, is for those who do not get insurance through their job, Medicare, or the Oregon Health Plan.

 

DFR warned of these plans back in April. They are not compliant with the Affordable Care Act (ACA) and do not provide comprehensive medical coverage, although they may be marketed otherwise. This leaves consumers with the possibility of being unexpectedly responsible for unpaid medical bills. Individual health plans that comply with the ACA are available only through a licensed insurance agent or through the Oregon Health Insurance Marketplace. Consumers should pay close attention to ensure that they are on the “.gov” website as there are other websites with similar web addresses that offer non-ACA-compliant plans.

 

“Consumers should remember the adage that if a deal looks too good to be true, it probably is,” said Oregon Insurance Commissioner TK Keen. “If a health insurance policy offers unusually low premiums and low deductibles yet promises full or unlimited coverage, be skeptical.”

 

Red flags to look for include:

  • A salesperson marketing limited partner plans or other “ERISA plans” directly to consumers
  • A salesperson claiming they do not need a license because their product is not insurance or is exempt from regulation
  • A salesperson offering to sign you up outside open enrollment and without eligibility for a special enrollment period
  • A health insurance plan seeming abnormally cheap or referencing “stop-loss” insurance
  • A group issuing coverage with minimal requests about an applicant’s health
  • A company attempting to quickly collect a large amount of premium
  • A company delaying or denying claims and making excuses for failure to pay

Before providing an insurance sales agent with any payment or personal information, DFR encourages consumers to request the agent’s full name and National Producer Number. Consumers can verify the agent’s licensure status by visiting DFR’s check a license webpage.

 

DFR urges Oregonians to be careful when choosing a company to purchase health care coverage from. Organizations and health plans that DFR and other state regulators have identified as having marketed limited partner or self-funded coverage include:

  • Socios Buenos, LP aka Vista Health
  • Affordable Benefit Choices LLC
  • LP Management Services, LLC
  • Aither Healthcare Competitive Health
  • NXT Level Health
  • Multiplan PHCS Network
  • Verdegard Administrators, LLC fka Hawaii Mainland Administrators, LLC
  • Pioneer Health/Innovative Healthcare Solutions
  • ClearShare Health and Clearwater Benefits LLC
  • Emergency Management Alliance
  • Premier Health Solutions
  • Strategic Limited Partners, LP
  • The Vitamin Patch, LLC

Consumers who believe they may have been deceived or have questions can contact our consumer advocates at 1-888-877-4894 (toll-free) or email dfr.insurancehelp@dcbs.oregon.gov.

 

###

 

About Oregon DFR: The Division of Financial Regulation protects consumers and regulates insurance, depository institutions, trust companies, securities, and consumer financial products and services. The division is part of the Department of Consumer and Business Services, Oregon’s largest consumer protection and business regulatory agency. Visit dfr.oregon.gov and dcbs.oregon.gov.

Attached Media Files: DFR-logo-blue.jpg,

DFR Warns Of “self-funded” Limited-partner Health Plans (Photo) - 09/22/26

Salem – The Oregon Division of Financial Regulation (DFR) is warning consumers to carefully review health insurance coverage offered through “self-funded” limited-partner plans or other unlicensed entities.

 

Oregonians should exercise caution before enrolling in a limited partner plan. Companies may offer plans that refer to consumers as “limited partners” or “employees” to avoid Oregon consumer-protection regulations. Many limited partner plans cover only preventive care, such as check-ups and annual health screenings. The plans tempt consumers with promises of low premium costs. However, consumers often end up with higher out-of-pocket costs due to uncovered medical bills. With open enrollment rapidly approaching, it is important to know what the difference is between these plans and standard plans. Open enrollment, which begins Nov. 1 and goes through Jan. 15, is for those who do not get insurance through their job, Medicare, or the Oregon Health Plan.

 

DFR warned of these plans back in April. They are not compliant with the Affordable Care Act (ACA) and do not provide comprehensive medical coverage, although they may be marketed otherwise. This leaves consumers with the possibility of being unexpectedly responsible for unpaid medical bills. Individual health plans that comply with the ACA are available only through a licensed insurance agent or through the Oregon Health Insurance Marketplace. Consumers should pay close attention to ensure that they are on the “.gov” website as there are other websites with similar web addresses that offer non-ACA-compliant plans.

 

“Consumers should remember the adage that if a deal looks too good to be true, it probably is,” said Oregon Insurance Commissioner TK Keen. “If a health insurance policy offers unusually low premiums and low deductibles yet promises full or unlimited coverage, be skeptical.”

 

Red flags to look for include:

  • A salesperson marketing limited partner plans or other “ERISA plans” directly to consumers
  • A salesperson claiming they do not need a license because their product is not insurance or is exempt from regulation
  • A salesperson offering to sign you up outside open enrollment and without eligibility for a special enrollment period
  • A health insurance plan seeming abnormally cheap or referencing “stop-loss” insurance
  • A group issuing coverage with minimal requests about an applicant’s health
  • A company attempting to quickly collect a large amount of premium
  • A company delaying or denying claims and making excuses for failure to pay

Before providing an insurance sales agent with any payment or personal information, DFR encourages consumers to request the agent’s full name and National Producer Number. Consumers can verify the agent’s licensure status by visiting DFR’s check a license webpage.

 

DFR urges Oregonians to be careful when choosing a company to purchase health care coverage from. Organizations and health plans that DFR and other state regulators have identified as having marketed limited partner or self-funded coverage include:

  • Socios Buenos, LP aka Vista Health
  • Affordable Benefit Choices LLC
  • LP Management Services, LLC
  • Aither Healthcare Competitive Health
  • NXT Level Health
  • Multiplan PHCS Network
  • Verdegard Administrators, LLC fka Hawaii Mainland Administrators, LLC
  • Pioneer Health/Innovative Healthcare Solutions
  • ClearShare Health and Clearwater Benefits LLC
  • Emergency Management Alliance
  • Premier Health Solutions
  • Strategic Limited Partners, LP
  • The Vitamin Patch, LLC

Consumers who believe they may have been deceived or have questions can contact our consumer advocates at 1-888-877-4894 (toll-free) or email dfr.insurancehelp@dcbs.oregon.gov.

 

###

 

About Oregon DFR: The Division of Financial Regulation protects consumers and regulates insurance, depository institutions, trust companies, securities, and consumer financial products and services. The division is part of the Department of Consumer and Business Services, Oregon’s largest consumer protection and business regulatory agency. Visit dfr.oregon.gov and dcbs.oregon.gov.

Attached Media Files: DFR-logo-blue.jpg,