Ohio Workers Compensation Insurance-Workmans Compensation

Ohio Workers Compensation Insurance Rules

Ohio Workers Compensation

1. Does my Ohio business need workers compensation insurance?

All employers with one(1) or more employees must carry workers compensation insurance coverage.

2. In Ohio is there any exemptions from carrying workers compensation insurance?

Ohio law makes coverage elective for those who are engaged in one of the following categories:

Sole Proprietor
Partnerships
Limited liability company (LLC) acting as a sole proprietor
Limited liability company (LLC) acting as a partnership
Family farm corporate officers
Individual incorporated as a corporation (with no employees)
Ordained or associate ministers of a religious organization

3. Does Ohio workers compensation law have specific requirements for subcontractors/contractors and sole proprietors?

Independent contractors and subcontractors may exempt themselves from coverage if they are sole proprietors or partners. If an independent contractor or subcontractor controls the selection of materials, quality of performance of another worker, that independent contractor or subcontractor is considered an employer and, as such, is required to provide workers compensation insurance for that worker.

Employee Leasing and Staffing Companies

Using a PEO or staffing company to obtain your workers compensation may be a good alternative to purchasing your own workers compensation policy. Leasing companies handle your payroll, w-2 forms, unemployment and workers compensation claims. In many cases the down payment required to obtain a new workers compensation policy is high and many new businesses cannot afford the down payment. Another advantage, based on my experience, is that you will never get audited because you pay as you go for your coverage. We represent numerous leasing and staffing companies who in many cases offer deep discounts on your workers compensation coverage that you will not find from standard workers compensation insurance carriers.

USL&H & The Jones Act

We have excellent workers compensation programs for these specialty risks requiring this endorsement. If you are unsure and want to read either the USL&H or Jones Act I have provided helpful links below for you convenience. I have found them to be the most detailed and good resources on the laws.

If you need a quote that requires this coverage

Click Here for a USL&H Quote

Click here for the complete USL&H Act , courtesy of Cornell University.
Click here for: USL&H Web Site - Dept of labor

Read the complete text of the Jones Act here.

Ohio Workers Compensation

Ohio Workers Compensation Links

Ohio Division of Workers Comp Homepage

Ohio Workers Comp Forms





	Ohio Workers Compensation Ohio is a monopolistic state for workers compensation insurance. Please contact 800-644-6292 for information or visit www.ohiobwc.com for news, facts, and contact information to help your business. Find rules, statutes, forms, and professional help relating to Ohio workers compensation insurance. If you need a workers compensation quote for any other states please click below
Ohio Workers Compensation Insurance Rules 1. Does my Ohio business need workers compensation insurance? All employers with one(1) or more employees must carry workers compensation insurance coverage. 2. In Ohio is there any exemptions from carrying workers compensation insurance? Ohio law makes coverage elective for those who are engaged in one of the following categories: Sole Proprietor Partnerships Limited liability company (LLC) acting as a sole proprietor Limited liability company (LLC) acting as a partnership Family farm corporate officers Individual incorporated as a corporation (with no employees) Ordained or associate ministers of a religious organization 3. Does Ohio workers compensation law have specific requirements for subcontractors/contractors and sole proprietors? Independent contractors and subcontractors may exempt themselves from coverage if they are sole proprietors or partners. If an independent contractor or subcontractor controls the selection of materials, quality of performance of another worker, that independent contractor or subcontractor is considered an employer and, as such, is required to provide workers compensation insurance for that worker. Employee Leasing and Staffing Companies Using a PEO or staffing company to obtain your workers compensation may be a good alternative to purchasing your own workers compensation policy. Leasing companies handle your payroll, w-2 forms, unemployment and workers compensation claims. In many cases the down payment required to obtain a new workers compensation policy is high and many new businesses cannot afford the down payment. Another advantage, based on my experience, is that you will never get audited because you pay as you go for your coverage. We represent numerous leasing and staffing companies who in many cases offer deep discounts on your workers compensation coverage that you will not find from standard workers compensation insurance carriers. USL&H & The Jones Act We have excellent workers compensation programs for these specialty risks requiring this endorsement. If you are unsure and want to read either the USL&H or Jones Act I have provided helpful links below for you convenience. I have found them to be the most detailed and good resources on the laws. If you need a quote that requires this coverage Click Here for a USL&H Quote Click here for the complete USL&H Act , courtesy of Cornell University. Click here for: USL&H Web Site - Dept of labor Read the complete text of the Jones Act here. Ohio Workers Compensation Links Ohio Division of Workers Comp Homepage Ohio Workers Comp Forms Copyright © 2006 Insurance Source.com, Inc.. All rights reserved. Information for State Workers Compensation Alabama \| Alaska \| Arizona \| Arkansas \| California \| Colorado \| Connecticut \| Delaware \| Florida \| Georgia \| Hawaii \| Idaho \| Illinois \| Indiana \| Iowa \| Kansas \| Kentucky \| Louisiana \| Maine \| Maryland \| Massachusetts \| Michigan \| Minnesota \| Mississippi \| Missouri \| Montana \| Nebraska \| Nevada \| New Hampshire \| New Jersey \| New Mexico \| New York \| North Carolina \| North Dakota \| Ohio \| Oklahoma \| Oregon \| Pennsylvania \| Rhode Island \| South Carolina \| South Dakota \| Tennessee \| Texas \| Utah \| Virginia \| Vermont \| Washington \| Washington D.C. \|West Virginia \| Wisconsin \| Wyoming \|