Workers Comp Rates in Ohio (OH)

Ohio workers comp rates are approximately 2% below the national average. Here's what Ohio business owners need to know about classification and premiums.

Ohio Workers Comp Overview

Ohio is a monopolistic state — workers comp is provided exclusively through the Ohio Bureau of Workers' Compensation (BWC), not private insurers. Classification still matters enormously because the BWC uses manual classifications to set your rates.

How Ohio Rates Compare

With a state modifier of 0.98x, a business in Ohio paying $10,000 in base premium nationally would pay approximately $9,800 in OH. This makes proper classification even more important in Ohio — every misclassified employee costs more.

The most impactful thing a Ohio business owner can do is ensure that office, clerical, and administrative employees are coded separately from their operational staff. In OH, the difference between a clerical code (8810 at $0.16/$100) and a construction code (5403 at $9.42/$100) is massive — and that gap is amplified by the state modifier.

This guide is for informational purposes only and is not insurance advice. Ohio rates and requirements are subject to change.