OH Workers Comp Programs

Exclusive workers compensation programs for non-monopolistic states.

Ohio Bureau of Workers Compensation (BWC) is one of four monopolistic state funds with a state controlled workers compensation programs. The state does not allow private insurance companies to offer coverage in this Ohio. Employers must purchase Ohio workers' comp directly from the BWC.

It can be very confusing for Ohio employers working out of state or hiring employees who do not live in Ohio. Each state has its own compliance laws and recipricocity agreement with the state of Ohio. Non-Ohio employees working in Ohio create coverage gaps depending on the state. Extended work outside of Ohio generally necessitates an out of state policy with a private insurance comapany.

If your business needs workers' comp coverage outside of Ohio, please contact one of our Specialist for an insurance quote.

Call 888-611-7467 to Qualify for One of Our Ohio Workers Compensation Programs
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Programs for Multi-State Workers Compensation

Buying Workers Comp Insurance in Ohio

Alabama Owner and Officer Exclusions

Alabama currently allows LLC owners, corporate officers, sole-proprietors, and partners to exclude themselves from workers compensation coverage. Owners may elect annually to be exempt from insurance coverage by filing a written certification of their election with the department and the insurance carrier providing coverage.

Why Shop Alabama Workers Comp?

Alabama's workers' compensation rates have been decreasing for the past few years. However, many insurance companies don't offer maximum discounts to employers who continue to renew coverage year-after-year. The reason is that insurance carriers are always interested in maximizing their own revenue. It's often helpful to shop you coverage when rates are decreasing to ensure your business is getting the very best price on coverage.

Every Ohio business with one or more employee(s) is required by state law to purchase workers compensation insurance from the BWC. Ohio does allow a waiver for employer sponsored recreational events. Out of state businesses performing work in Ohio are also required to buy coverage from the BWC.

Ohio workers' compensation coverage can only be provided by The Ohio Bureau of Workers' Compensation.  Private insurance companies are not allowed to compete in the state.  Ohio employer's may purchase a workers compensation policy from a private insurance company when the need coverage in another state and/or multi-state coverage.

Get Work Comp Quotes
Or call us at 888-611-7467 to speak with a Workers Comp Specialists

We shop workers compensation with more than 35 insurance companies
Affordable workmans comp for business owners.


Don't worry if you don't see your type of business or industry listed above. We write workers comp for lots of companies who are not on the list. Chances are we have the right products and carriers to fit your needs.
  • More than 35 companies quoting workers comp insurance.
  • Programs for standard businesses and tough class codes.
  • Start your quote online or call us at 888-611-7467.
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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