Ohio handles workers’ compensation differently than most of the country. Instead of
buying workers’ comp from a private insurance company, most Ohio employers get
coverage through the state — the Ohio Bureau of Workers’ Compensation (BWC).
That “monopolistic state fund” model surprises a lot of business owners, especially those
expanding from other states. Here’s what you need to know.
This is a general overview, not legal advice — confirm current requirements with the Ohio
BWC or your agent before acting.
Ohio Workers’ Comp Explained: What Employers Need to KnowAbout the BWC
What employers should do
Workers’ comp pays for medical care and a portion of lost wages when an employee is injured or becomes ill because of their job. It also protects your business from much of the related liability. In Ohio, this coverage runs through the BWC rather than a private carrier.
Common questions about our coverage & services
We’ve answered the most common questions to make choosing and managing your insurance easier and stress-free.
Is workers’ comp required in Ohio?
Generally yes — Ohio employers with employees are required to carry workers’ comp coverage, provided through the BWC.
Do I still need an insurance agent if the state provides workers’ comp?
Yes — an agent helps with classification questions and, importantly, adds the employer’s liability / stopgap coverage the BWC doesn’t provide.
Does workers’ comp cover 1099 contractors?
It depends on how workers are classified; misclassification is a common and costly mistake. We can help you sort out what applies.
What employers should do
Covella helps employers coordinate BWC coverage with the right commercial protection
How Ohio’s system is different
State-fund coverage.
Covella helps employers coordinate BWC coverage with the right commercial protection
Employers register with the BWC
and pay premiums based on payroll and job classifications.
Larger employers may qualify to self-insure
subject to BWC requirements
What employers should do
Covella helps employers coordinate BWC coverage with the right commercial protection
Want to make sure your Ohio coverage has no gaps?
Covella helps employers coordinate BWC coverage with the right commercial protection