Ohio commercial insurance rate filings (2026)
Every commercial-insurance carrier writing business in Ohio files its loss costs and rating values with the state's insurance regulator — the primary-source records that drive every commercial quote in Ohio. This page summarizes the 11 active filings we track for Ohio across 1 line(s) of business and 11 classification(s).
How Workers' Comp rates are set in Ohio
Ohio runs a monopolistic Workers' Comp market. We track 11 distinct classification(s) for Ohio across 11 active filing(s). Workers' Comp loss costs are filed by NCCI in most states or by an independent state rating bureau; your actual premium is that filed loss cost multiplied by your carrier's loss-cost multiplier (LCM), your experience modifier, and your payroll divided by $100 — so two Ohio businesses in the same classification can pay very different rates. Comparing quotes from multiple carriers is the only way to see how those multipliers differ for your specific operation.
Across the Ohio filings we track, filed loss costs range from $0.05 to $3.76 per $100 of payroll, filed by 2 distinct carrier(s) or bureau(s). The lines represented are Workers Compensation. Classifications tracked include NCCI class codes 0005, 5223, 5462, 5474, 5645, 7380, 7855, 8001, 8810, 9403. The most-recent Ohio filing we track is effective July 2026. Every row below links to its SERFF tracking number so the Ohio regulator record can be verified.
Workers' Compensation covers medical bills and lost wages for Ohio employees injured on the job — mandatory in Ohio once you have staff.
In Ohio, Commercial General Liability carriers earned about $2.6B in premiums at a 51.5% loss ratio and a 13.1% underwriting profit (NAIC 2023). In Ohio, Commercial Multiple Peril carriers earned about $1.7B in premiums at a 73.1% loss ratio and a -13.4% underwriting profit (NAIC 2023). In Ohio, Commercial Auto carriers earned about $1.2B in premiums at a 61.8% loss ratio and a 5.6% underwriting profit (NAIC 2023). In Ohio, Inland Marine carriers earned about $930M in premiums at a 36.2% loss ratio and a 31.1% underwriting profit (NAIC 2023). In Ohio, Commercial Property carriers earned about $607M in premiums at a 55.8% loss ratio and a 16.4% underwriting profit (NAIC 2023). In Ohio, Medical Professional Liability carriers earned about $273M in premiums at a 23.2% loss ratio and a 36.4% underwriting profit (NAIC 2023). In Ohio, Product Liability carriers earned about $157M in premiums at a 31.4% loss ratio and a 33.6% underwriting profit (NAIC 2023). In Ohio, Workers Compensation carriers earned about $101M in premiums at a -3.9% loss ratio and a 69.2% underwriting profit (NAIC 2023). These market-level results come from the NAIC Report on Profitability by Line by State — a primary-source view of how each commercial line actually performs in Ohio, beyond the filed loss costs above.
- Ohio filed commercial loss costs we track run about $0.05 to $3.76 per $100 of payroll — the regulator-approved baseline before each carrier's multiplier and your experience modifier.
- Ohio rate filings are public, primary-source records; every figure here traces to a SERFF tracking number you can verify with the state regulator.
- Your actual Ohio premium depends on your class code, carrier loss-cost multiplier, experience modifier, and payroll — the filed loss cost is only the starting point.
Recent rate-filing activity — 8 state filings across 1 commercial line
Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting commercial operations, with the real SERFF tracking number for each.
| Line | State | Overall change | Effective | SERFF tracking |
|---|---|---|---|---|
| WC | OH | -1% private-employer rate cut (~$10M aggregate; -50% cumulative since 2019) | Jul 1, 2026 | OH-BWC-2026-PA-1PCT |
| WC | OH | per $100 payroll (BWC state-fund base rate) | Jul 1, 2025 | BWC-OH-2025-07-5474 |
| WC | OH | per $100 payroll (BWC state-fund base rate) | Jul 1, 2025 | BWC-OH-2025-07-5645 |
| WC | OH | per $100 payroll (BWC state-fund base rate) | Jul 1, 2025 | BWC-OH-2025-07-5462 |
| WC | OH | per $100 payroll (BWC state-fund base rate) | Jul 1, 2025 | BWC-OH-2025-07-7380 |
| WC | OH | per $100 payroll (BWC state-fund base rate) | Jul 1, 2025 | BWC-OH-2025-07-5223 |
| WC | OH | per $100 payroll (BWC state-fund base rate, NOT loss cost) | Jul 1, 2025 | BWC-OH-2025-07-8810 |
| WC | OH | per $100 payroll (BWC state-fund base rate) | Jul 1, 2025 | BWC-OH-2025-07-7855 |
Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.
Get a real Ohio quote
Bureau-filed loss-cost changes are the regulator-approved starting point — actual premium depends on your class code, payroll, experience modifier, schedule credits/debits, and the carrier's LCM. Request a free Ohio quote in under 90 seconds.
Get a free Ohio quote →Ohio filed rates by coverage
Coverage-specific Ohio rate-filing detail — bureau loss costs, recent filings, and how carriers price each line:
Related Ohio cost pages
Ohio-specific cost guides for the verticals we cover:
Ohio insurance profitability by line (2023 NAIC)
How profitable each commercial line runs in Ohio — loss ratio (incurred losses ÷ premiums earned); lower is more profitable for carriers:
Source: NAIC 2023 Report on Profitability by Line by State · compare every line & state →