Ohio Workers’ Compensation

Ohio Workers’ Comp Information

Ohio workers’ compensation Ohio is different than most states for workers’ compensation insurance because it uses a monopolistic fund. This means that you can only buy Ohio workers’ compensation insurance through a government-operated fund, not a private insurer, like us.
 
However, you can get other Ohio business insurance policies from us, like:
 

How Does Workers’ Compensation Insurance Work in Ohio?

Ohio workers’ compensation insurance Workers’ comp coverage helps protect businesses and their employees from work-related injuries or illnesses. This means workers’ compensation insurance in Ohio will help pay for your injured workers’:
 
  • Medical bills
  • Lost wages
  • Disability benefits

Getting Workers’ Compensation Coverage in Ohio

Ohio is a monopolistic state, which means you’ll need to get your workers’ compensation insurance through the Ohio workers’ compensation state fund. You won’t be able to get it through private insurers, like us.
 
Some information you’ll need to gather before you get coverage, includes:
 
  • How many employees you have
  • The risks your workers face
  • The location of your business
 

Filing a Workers’ Compensation Claim in Ohio

To file a workers’ compensation claim in Ohio, follow these three steps:
 
  1. Give your employee the workers’ comp claim form: If an injury occurs at your workplace, you’ll want to provide them with the right paperwork so they can get workers’ compensation benefits.
  2. Submit the paperwork: Once your employee fills out the form, it’s time to file a workers’ comp claim with your insurance carrier. Then, they’ll either approve or deny the claim.
  3. Help your employee return to work: You’ll want to update your workspace to fit any needs your worker has from their injury or illness.

Is Workers’ Compensation Required in Ohio?

Ohio workers' comp Any business in Ohio that employs more than one person will need workers’ compensation insurance. This includes corporate officers, unless they’re a volunteer at a non-profit organization. However, there are some exceptions, like domestic workers who earn less than $160 per quarter, including cooks or gardeners. Most volunteers also don’t need coverage.
 
Keep in mind that you’ll also need to provide workers’ comp for your part-time employees in Ohio. Sole proprietors or members of a partnership also need to carry workers’ compensation insurance for any employees they have. However, coverage for themselves is optional.
 

Get Coverage for Your Ohio Business

We offer insurance coverages that most businesses need, including general liability and professional liability insurance.
 

Links to Ohio Business Insurance Pages

You can learn more about the coverages you’ll need in Ohio, by visiting our Ohio business insurance page.
 

Other Types of Business Insurance for Ohio Businesses

On top of workers’ compensation, your Ohio business can also benefit from these business insurance coverages:
 
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In Arizona, New Hampshire, Washington and California, the insurance is underwritten by Hartford Accident and Indemnity Company, Hartford Casualty Insurance Company, Hartford Fire Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Hartford Lloyd’s Insurance Company, Hartford Underwriters Insurance Company, Maxum Casualty Insurance Company, Maxum Indemnity Company, Navigators Insurance Company, Navigators Specialty Insurance Company, Pacific Insurance Company, Property and Casualty Insurance Company of Hartford, Sentinel Insurance Company, Ltd., Trumbull Insurance Company and Twin City Fire Insurance Company. The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including Hartford Fire Insurance Company.
 
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.
 
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