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Ohio Workers' Compensation Insurance

Learn everything you need to know about worker's compensation insurance in Ohio.

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Lightning Fast Quotes

We’re available when you are – online and on your schedule. In less than 5 minutes, you could be on your way to a work comp quote.

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Easy Process

Our proprietary online quoting tool makes it easy. Just answer a few simple questions about your business.

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Affordable Rates

As an independent agency, we can shop around our network of carriers, and deliver the best quote to you.

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Top Insurance Carriers

Every policy backed by leading insurance carriers known for their financial strength and customer service. All our carriers have earned a rating of A or higher by A.M. Best.

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Trusted by Thousands

Since 2012, WorkCompOne has helped thousands of small businesses get the coverage they need to stay in compliance and protect their employees.

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Made for You

It's work comp, simplified for small business. Our online platform allows top national carriers to serve all businesses – even those with less than 10 employees.

What to Know About Work Comp in Ohio

Who needs to be covered by the policy, where you can buy it and how much it will cost are all mandated or influenced by state law.

Your business must comply with the states where your employees perform work - not necessarily where the business was founded or is based. If your business operates in multiple states, or employees travel across state lines to work, you may need to modify your policy to guarantee coverage in the event of a claim.

You are required to carry workers' compensation insurance in Ohio if:

  • You have any employees working in Ohio. 
  • You’re going to work for someone else. Unless you’re an employee, you won’t be covered by their insurance policy and may need to provide proof of work comp. Are you an employee or an independent contractor? 10 ways to tell >>

Other regulations that may affect you:

  • Workers' compensation insurance covers wage replacement and medical bills for employees injured on the job. To protect against other injuries at your place of business, you may need general liability insurance. Learn more about general liability >>

Factors That Impact Coverage

  • You are a sole proprietor or partner: In Ohio, you are excluded from coverage but have the option to include yourself.
  • You are a corporate officer: You are included in coverage but have the option to exclude yourself.
  • You are a member of an LLC: Your workers’ compensation requirements depend on whether the LLC has chosen to be treated as a corporation, sole proprietor or partnership for income tax purposes.

Ohio Key Resources

Other Tips

If you employ workers in multiple states or your employees are temporarily working out-of-state, you need to purchase insurance for all the states where your workers are located, according to each state’s laws.

The nature of your business, number of employees being covered and past coverage and claims are all factors in how much your premium will cost. Learn more about workers' comp insurance rates >>

Where to Get Workers' Compensation Insurance

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1. Request Coverage

We've made it easy. Answer a few simple questions about your business, employees and payroll. 

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2. Review Your Quote 

Receive an online quote from one of our top-rated carriers. all rated A or higher by A.M. Best.

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3. Purchase Your Policy

Some policies can be purchased online that same day — for near-instant coverage. 

  • Ohio is monopolistic, which means there is no private market for workers' compensation insurance and you must purchase it through the state fund. Please contact the Ohio Bureau of Workers’ Compensation for more information.
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Related Resources

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