Commercial Insurance in Ohio.
A monopolistic workers' comp state. You need to know the rules.
Ohio is one of only four monopolistic workers' compensation states — meaning you must purchase workers' comp through the Ohio Bureau of Workers' Compensation (BWC), not from a private carrier. This creates a unique insurance landscape that many out-of-state brokers don't understand. RISKX knows Ohio's system inside and out and helps businesses navigate BWC while building the rest of their coverage package through the private market.
Key Industries in Ohio
Workers' Compensation in Ohio: Required
Ohio is a monopolistic state — workers' comp must be purchased through the Ohio Bureau of Workers' Compensation (BWC). Private carriers cannot write workers' comp in Ohio. Employers must also carry employer's liability separately if they want that coverage.
Ohio Regulatory Notes
Workers' comp is monopolistic — must be purchased through Ohio BWC, not private insurers
Employer's liability (Part B of workers' comp) is NOT included in BWC policies — must be purchased separately as 'Stop Gap' coverage
Ohio has a group rating program that can significantly reduce BWC premiums for qualifying businesses
The state uses a merit rating system — your claims history directly impacts your premium
Popular Coverages in Ohio
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