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Types of Employers
There are two types of employers:
- State-Fund Employers
- Self-Insuring Employers
If you do not know if your employer is state-funded or self-insured,
ask your employer.
State-Fund Employers
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.
Click here for more information
on State Fund Employers.
Self-Insuring Employers
Approximately one/third of
Ohio employers are self-insured. Self-insured employers pay
workers' compensation benefits directly to their employees.
If your employer is self-insured, your workers' compensation
claim should be filed with the employer.
When employers doing business in the state of Ohio meet
the self-insuring criteria listed under
ORC 4123.35
and OAC 4123-19-03
they are granted the privilege to self-insure (administer) their
own workers' compensation claims.
- Self-insuring employers are given decision-making
authority similar to that of the BWC Administrator.
- The self-insuring (SI) employer agrees to abide by
BWC and Industrial Commission (IC) rules and regulations.
- The employer agrees to provide accurate and timely
payments of compensation and benefits subject to the
provisions of those rules.
Click here for more
information on Self-Insured Employers.
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