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Ohio rates remain fairly competitive compared to the rest of the United States. The last national comparative study was conducted in 2022 by the OR Department of Consumer Business and Services. The study ranked Ohio as the 5th least expensive work comp rates in the country. Ohio rates are about 34% below the average rates of the median state..
Our agency helps Ohio business owners find the lowest workers' comp rates when they need Other States Coverage outside of Ohio. Our Specialists can provide single state and multi-state insurance quotes for your business in all non-monopolistic states outside of Ohio.
Don't get stuck paying too much for your workers' comp coverage. Our agents know how to get you the lowest rates for your business. Call us today to find out how knowledegeable agents, expert advice and more choices lead to the best workers' comp quote.
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What influences my workers comp insurance cost?
Insurance companies file their "base manual rates" for approval with each state for all class codes. Rate recommendations are generally made to the state and carriers annually by the National Council on Compensation Insurance.
Employee claims are reported to NCCI and statistically compared with all other similar type businesses using the same class code in each state. An Experience Modification Rate may apply to your business after a few years of coverage.
Insurance company underwriters are permitted to make premium rate adjustments based on unique factors about your business, safety practices, and management experience in most states.
Insurance companies may apply policy credits and debits to the base manual rates. Additional discounts can be applied to premium as the total payroll & premium increases.
Smart Agents with expertise in workers' compensation insurance utilize this information to negotiate your insurance rates with underwriters. A good narrative about your business helps insurance companies justify a better price.
Rates for State Class Codes. Select Codes Listed:
Ohio is a one of 4 monopolistic states left in the U.S. This means that all workers' comp rates are directly set by the state and private insurance companies are not allowed to compete in Ohio. We help Ohio employers find workers' compensation insurance in other states. Many employers need out of state coverage when they peerform work or hire employees outside of Ohio.
Workers compensation coverage in Ohio can only be purchased from the Ohio Bureau of Workers' Compensation (OBWC). Coverage is required for all employers doing business in Ohio.
State Resources for Ohio
Ohio Bureau of Workers' Compensation
30 West Spring StreetColumbus, OH 43215-2256800-644-6292 Ohio BWC
Industrial Commission of Ohio
30 W Spring StColumbus, OH 43215-2233800-521-2691 Ohio Industrial Commission
Ohio is not under the Jurisdiction of the National Council for Compensation Insurance (NCCI). Ohio is a monopolistic state and maintains its own exclusive state fund. Ohio Workers' comp insurance can only be purchased from this fund.
Our agency can help employers find affordable out of state coverage. We quote workers compensation with more than 35 private insurance companies and also specialize in multi-state workers' compensation insurance.
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