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Getting Ohio Workers' Comp Insurance

2020 Ohio Coverage Information

    Every Ohio employer is required to purchase workers compensation insurance regardless of the number of employees.

    Sole-Proprietors and Partners are not required to cover themselves on workers compensation, but they can elect to be covered. A Notice of Election form may need be filed with The Ohio Bureau of Workers Compensation.

    Corporate Officers are automatically included in Ohio coverage, but they may elect to be excluded using the proper exclusion form.

    LLC Members will be treated as either a corporate officer or sole-proprietor depending on how they form their entity and how they are treated for income tax purposes.

2020 Payroll Limits & Owner Exclusion Requirments

    Ohio does require minimum and maximum payroll requirements for business owners for the purposes of charging workers compensation premium. This calculation is based on the state average weekly wage.

    Contractors doing business in Ohio may be subject to industry payroll limits for certain industry groups and may need maintain records to verify weekly wages paid to employees.

Workers' Comp Insurance Varies by State- Know the Law

Every state has their own rules for how employees must be covered and how they must be classified for rating purposes. A lot of states use state specific class codes and have different requirements for who is obligated to carry workers' compensation insurance coverage.

If you have employees that travel out of state for work, or they work in multiple states throughout the year, you may need to purchase insurance for all the states where your workers are located and working. In most cases, you can add multiple states to one policy.

Workers' Compensation Insurance in Ohio can be purchased from private insurance companies authorized by the state to provide coverage. The Assigned Risk Pool, or State fund coverage, is available for employers who are unable to find coverage from a private company. can help you navigate your best options.

Policy premium is based on numerous factors including: class codes assigned to your business and employees, estimated payroll, covered states, prior policies, owner experience and claims.

Enjoy the benefits of our Pay As You Go Workers' Comp Options in Ohio.

The state of Ohio is one of the four remaining monopolistic states in the country. This means workers' compensation insurance can only be purchased through the Ohio State Fund. If you are a Ohio employer or you are doing work in the state of Ohio you will need to contact the Ohio Bureau of Workers Compensation (BWC) in order to purchase workers compensation coverage:

Although Workers Compensation can't help employers find coverage in the state of Ohio, we often help Ohio business owners purchase out-of-state workers comp coverage. If you are an Ohio employer doing business outside of the state, or you have employees who live outside of Ohio, please contact one of our Work Comp Specialists at 888-611-7467 to find affordable a workers compensation quotes for other states.


Ohio is a Monopolistic State

Ohio Does Not Allow Free Competition

The state of Ohio does not allow free-market competition and they are not part of NCCI. Rates vary significantly in non-monopolistic states and employers with limited losses or claims are rewarded with lower workers comp rates because of a) lower experience modifiers and b) scheduled credits.

Multi-State Coverage Doesn't Work

Most private insurance carriers are licensed or authorized to offer workers compensation in most state throughout the U.S. Employers who do business in more than one state benefit because they can purchase coverage for multiple states from a single insurance carrier.

Industry Standards and Data Doesn't Exist

Monopolistic states do not benefit from utilizing standardized classification systems and national data statistics for workers comp insurance. This causes problems for both Ohio employers and employers from other states doing work in Ohio. Special considerations are required.

Separate Experience Modifiers Needed

Inter-state and intra-state experience modifiers are not standardized for monopolistic states and Ohio employers may have separate experience modifiers affecting the cost of their insurance coverage. NCCI combines employer experience modifiers in non-monopolistic states.

Find Out-of-State Work Comp Coverage.

Did you know that the cost of a workers comp policy in Ohio can vary significantly between insurance company, underwriter, and insurance agency?
Find the best deal on workers compensation insurance.
Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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