Workers’ Compensation Insurance
Workers’ Compensation Insurance
Workers’ compensation covers medical care and lost wages when an
employee is injured or becomes ill because of their job — and it protects your business
from the related liability. In Ohio, workers’ comp works differently than in most states: it’s
administered through the Ohio Bureau of Workers’ Compensation (BWC). Covella helps
Cincinnati employers understand their obligations and coordinate the right coverage.
What it covers
employee medical expenses · a portion of lost wages · disability & rehabilitation · employer liability protection.
Who needs it
Ohio employers are generally required to carry workers’ comp once they have employees. Requirements vary in Indiana and Kentucky — we’ll confirm for your situation.
Cost factors
payroll, industry classification codes, and claims history.
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, for employers with employees — Ohio is a monopolistic state fund administered by the BWC.
Do I need it for family or 1099 workers?
It depends on classification and state rules; we’ll help you sort out what applies.
Do I need it for family or 1099 workers?
It depends on classification and state rules; we’ll help you sort out what applies.