What to Know
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 >>
Where to Get It
- 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.
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
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 >>