Ohio's employers are either state-fund or self-insured. If you do not know if your employer is a state-fund or self-insured employer, you need to ask your employer.
State-fund employers pay an insurance premium to BWC which is placed in the state fund.
Ohio law requires employers with one or more employees to obtain workers’ compensation coverage or be granted the privilege of self-insurance for liabilities associated with work-related accidents or occupational diseases.
State-fund employers primarily are either a public or a private employer who pays premiums for workers’ compensation coverage, the premiums are placed in the state fund. Two-thirds of Ohio's employers are either public or private employers and are covered by the state fund.
Private employers can be private businesses, sole proprietors, partnerships, corporations, associations or limited liability companies.
Public employers can be either a county or state agency. A public employer is a governing unit that provides service to the public.
Black lung employers are (coal mine operators) and Marine Fund employers (employers who engage in maritime commerce on Ohio navigable waterways.
Employers may not exclude employees from workers' compensation benefits based on age, citizenship, gender, race or relationship. According to the law, employees receive pay from employers for services performed when the relationship between the employer and employee is created by a contract of hire — written, oral, expressed or implied.
BWC considers corporate officers employees for the purpose of workers’ compensation. Corporate officers must report their pay to the maximum limit of $800 per week, $20,800 semiannually or $41,600 annually. BWC can change the maximum reportable salary yearly.
The law also requires independent contractors and subcontractors to carry workers’ compensation insurance for their employees.
Workers’ compensation coverage is an option that can be purchased for ministers, officers of family farm corporations, and sole proprietors and partners.