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Ohio Workers' Compensation Requirements
At a glance
The details
Monopolistic state: Ohio BWC is sole provider. Coverage from date of first hire; workers earning $160+/quarter count.
Ohio is a monopolistic state
Workers' compensation here is purchased exclusively from the state fund (Ohio Bureau of Workers' Compensation). Private carriers cannot write WC policies — quotes from national insurers will redirect you to the state fund.
If a claim happens: benefit amounts in Ohio
Max TTD weekly benefit as of Jan 1, 2025 (IAIABC/WCRI Workers' Compensation Laws 2025 compendium, Table A.1). Annual-adjustment states have since raised 2025-2026 rates — verify before launch Medical: See state agency — benefit structure varies. Death: see state agency. Rate cycle: adjusts 01/01 each year. All states' benefit rates →
FAQ
Do I need workers' compensation in Ohio?
Yes — Ohio requires coverage as soon as you hire your first employee (full-time or part-time).
What about construction businesses in Ohio?
Construction businesses follow the same 1 threshold. See details below for industry nuances.
What if I don't carry required coverage in Ohio?
Penalties vary by state and can include per-employee per-day fines, stop-work orders, and personal liability for injury claims. Check the official source below for Ohio's current enforcement posture.
Official source: Ohio Bureau of Workers' Compensation · Verified 2026-09-08 (official) · Compare all states · Construction rules · Farm rules