The Oregon FAIR Plan Association operates exactly like a small insurance company, writing only property insurance for dwellings, commercial property and farms.

We issue all policies in our office on our own OFPA paper. We underwrite all applications in our office using our own staff.

We handle, investigate and adjust all reported losses using independent local adjusters.

All covered losses are paid from our office. We also

use independent local inspection companies to inspect all new business to ascertain if the applicant meets our minimum underwriting requirements.

We do not write business directly for the public. Anyone interested in insurance with the OFPA must contact an insurance agent who is licensed to write insurance in the state of Oregon.

Any insurance agent who is licensed in Oregon can make application for insurance with the OFPA. Any licensed agent can obtain a price quotation for an applicant.