OH Other State Workers Comp Programs

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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.

In most states, We generally target businesses where we have the best opportunity to provide the most savings. Often times, we've worked out special considerations for underwriting and/or pricing with some of our insurance partners. More policy discounts and credits may be applied.

Programs for Multi-State Workers Compensation

Don't see your business or industry? Don't worry, we've still got you covered.

Ohio Workers Comp
Pay As You Go

Improve Cash Flow- Pay As You Go

Our Pay As You Go workers' compensation insurance plans make it more affordable to buy workers' compensation insurance with little to no money required to start coverage. These plans also help reduce the risk of having a big audit bill at the end of the year because the premium you pay is based on your actual, real-time payroll.

We offer Pay As You Go workers comp from dozens of top-rated insurance companies. We can manage the reporting process directly, set your business up to report and pay the carriers, or work with your payroll provider to collect and pay your premium each pay period or monthly.

Buying Workers Comp Insurance in Ohio

Who Needs Coverage in Ohio?

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.

Affordable workmans comp for business owners.


We've got you covered. We write workers' compensation insurance for lots of business types not listed above. Chances are we have the right products and carriers to hep you buy affordable coverage.
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  • Targeted Programs for standard businesses and tough class codes.
  • Start your workers comp insurance 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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