Ohio commercial insurance rate filings (2026)

📅 Most-recent Ohio filing effective July 1, 2026

Every commercial-insurance carrier writing business in Ohio must file their loss costs + rating values with the Ohio Department of Insurance. Those filings are primary-source, government-held records — the actual numerical inputs that drive every commercial quote in the state. Below: every recent active rate filing affecting Ohio commercial operations, with the SERFF tracking number linking to the public regulator record.

Ohio's primary workers' comp rate bureau

Ohio BWC (monopolistic) — Ohio is a monopolistic state — the Bureau of Workers' Compensation is the sole WC carrier. Private NCCI filings do not apply to Ohio WC.

Recent rate-filing activity — 1 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

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 →

Related Ohio cost pages

Ohio-specific cost guides for the verticals we cover:

Food truck Plumber Restaurant General contractor Landscaping Cleaning Tow truck Limousine Daycare Barber shop

📘 Educational, not advice. Filing data above is regulator-held public record. Bureau-filed loss costs are NOT carrier rates — each carrier applies its own loss-cost multiplier (LCM) + schedule credits/debits + experience modifier to produce the final quote you'll pay. For an actual Ohio quote, request a real quote or consult a licensed agent in Ohio.