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Ohio Workers Comp Insurance

With limited exceptions, every employer in Ohio with one or more employee(s) is required by law to have a valid workers' compensation policy at all times. This "no fault" insurance not only provides injured workers with medical care and partial wage replacement, but also protects the policyholders from potentially damaging lawsuits. Although most companies in OH purchase a traditional commercial insurance policy, there are alternative methods of coverage which include licensing as a self insurer, gaining membership in a self insurance group, or obtaining coverage in the Assigned Risk Pool.

OH Workers Comp Insurance Specific Regulations

  • Any business with any employees working in Ohio must have coverage
  • If you work for someone else you will not be covered by their insurance policy unless you are an employee. This requires independent contractors to have their own workman’s compensation insurance
  • Ohio exclusively provides insurance through the state provider Ohio Bureau of Workers’ Compensation
  • Sole Proprietors or partners are excluded from coverage, but have the option to opt in
  • Corporate officers are included in coverage have the option to opt out
  • Members of LLCs in Ohio have different requirements based on whether the LLCs is being treated as a corporation, sole, proprietor, or a partnership

OH Workmans Comp Quote Checklist

You'll Need This Information On Hand to Get a Workmans Comp Quote

Your Name and Contact Information
Business Name
Number of Locations
Number of Employees by Location
Annual Payroll by Location
Type of Business Entity

(partnership, LLC, corporation, etc.)

Social Security Number or FEIN of Business Owner
Recent Claims History