Workers compensation rate filings in Ohio (2026)
Every carrier writing workers compensation coverage in Ohio files its rates and rating rules with the state's insurance regulator — the primary-source records behind every workers compensation quote in Ohio. This page tracks the 11 active workers compensation filing(s) on record for Ohio, filed by 2 distinct carrier(s).
Workers compensation rate filings in Ohio are reviewed by the Ohio Department of Insurance. Workers' compensation in Ohio is not sold by private carriers, so there are no competing quotes to compare. Employers buy from Ohio Bureau of Workers' Compensation (BWC) or, where the state permits it, self-insure. The filed rates below are the published schedule that applies to every Ohio employer in a given classification.
Carriers with workers compensation filings on record in Ohio include Ohio Bureau of Workers' Compensation (BWC) — monopolistic state fund, Ohio Bureau of Workers' Compensation (BWC) — state fund. These are filings on record — Ohio's public system reports the carrier, line, and effective date but not the rate-change magnitude for every row. Where a base rate is filed, values run from $0.05 to $3.76 on the filed rating basis. The most-recent workers compensation filing we track for Ohio is effective July 2026. Every row below cites its filing reference so the Ohio regulator record can be verified.
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, each cited to the regulator or bureau filing it came from.
| Line | State | Overall change | Effective | Filing |
|---|---|---|---|---|
| WC | OH | -1% private-employer rate cut (~$10M aggregate; -50% cumulative since 2019) | Jul 1, 2026 | — |
| WC | OH | per $100 payroll (BWC state-fund base rate, NOT loss cost) | Jul 1, 2025 | Filing #OAC-4123-17-06-2025 |
| WC | OH | per $100 payroll (BWC state-fund base rate) | Jul 1, 2025 | Filing #OAC-4123-17-06-2025 |
| WC | OH | per $100 payroll (BWC state-fund base rate) | Jul 1, 2025 | Filing #OAC-4123-17-06-2025 |
| WC | OH | per $100 payroll (BWC state-fund base rate) | Jul 1, 2025 | Filing #OAC-4123-17-06-2025 |
| WC | OH | per $100 payroll (BWC state-fund base rate) | Jul 1, 2025 | Filing #OAC-4123-17-06-2025 |
| WC | OH | per $100 payroll (BWC state-fund base rate) | Jul 1, 2025 | Filing #OAC-4123-17-06-2025 |
| WC | OH | per $100 payroll (BWC state-fund base rate) | Jul 1, 2025 | Filing #OAC-4123-17-06-2025 |
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.
Carriers writing workers compensation in Ohio
36 carrier groups have an active workers compensation filing footprint in Ohio (312 filings observed in the public SERFF record). Most active by volume: Hartford, XL Specialty, ACE American, American Home Assurance, Travelers, Zurich.
Carrier market presence from public SERFF activity — a signal of who competes for this coverage here, not a price or a rate. Comparison sites cannot legally publish this data — it comes from the public regulatory record.
Compare Ohio workers compensation carriers →Ohio Bureau of Workers' Compensation (BWC) — monopolistic state fund filed OH-BWC-2026-PA-1PCT effective July 2026 (active). Ohio Bureau of Workers' Compensation (BWC) — state fund filed OAC-4123-17-06-2025 effective July 2025 (active). Ohio Bureau of Workers' Compensation (BWC) — state fund filed OAC-4123-17-06-2025 effective July 2025 (active). Ohio Bureau of Workers' Compensation (BWC) — state fund filed OAC-4123-17-06-2025 effective July 2025 (active). Ohio Bureau of Workers' Compensation (BWC) — state fund filed OAC-4123-17-06-2025 effective July 2025 (active). Ohio Bureau of Workers' Compensation (BWC) — state fund filed OAC-4123-17-06-2025 effective July 2025 (active). Ohio Bureau of Workers' Compensation (BWC) — state fund filed OAC-4123-17-06-2025 effective July 2025 (active). Ohio Bureau of Workers' Compensation (BWC) — state fund filed OAC-4123-17-06-2025 effective July 2025 (active). Ohio Bureau of Workers' Compensation (BWC) — state fund filed OAC-4123-17-06-2025 effective July 2025 (active). Ohio Bureau of Workers' Compensation (BWC) — state fund filed OAC-4123-17-06-2025 effective July 2025 (active). Ohio Bureau of Workers' Compensation (BWC) — state fund filed OAC-4123-17-06-2025 effective July 2025 (active).
Workers' Compensation covers medical bills and lost wages for Ohio employees injured on the job, and is mandatory in Ohio once a business has staff.
Across Ohio, workers compensation carriers earned about $101M in premiums at a -3.9% loss ratio and a 69.2% underwriting profit (NAIC 2023). That market-level result comes from the NAIC Report on Profitability by Line by State — a primary-source view of how workers compensation actually performs in Ohio, beyond any single carrier's filing.
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Key takeaways for Ohio workers compensation
- Ohio workers compensation rate filings are public, primary-source records — every figure here traces to a filing reference you can verify with the state regulator.
- Your actual Ohio workers compensation premium depends on your classification, exposure basis, and each carrier's filed rates and loadings — the filings below are the starting point, not a single market price.
- Comparing quotes from multiple carriers is the only way to see how Ohio workers compensation rates differ for your specific operation.
Get a real Ohio workers compensation quote
Bureau loss-cost filings are the regulator-approved starting point — carrier premium depends on your class code, payroll, experience modifier, schedule credits/debits, and the carrier's loss-cost multiplier (LCM). Request a free Ohio quote in under 90 seconds.
Get a free Ohio quote → See what workers compensation insurance costs →Go deeper on workers compensation
- Workers' comp class codes & loss costs — hub
- Workers compensation loss ratios & profitability by state (NAIC)
- Deep data study: Workers compensation by state
- What workers compensation insurance costs
- All Ohio rate filings (all lines)
- Rate filings by state — directory
- National Rate Change Tracker
- How insurance rates are set — methodology
Figures summarized here are drawn from public Ohio Department of Insurance rate filings and, where shown, the NAIC Report on Profitability by Line by State — each traceable to its source. No proprietary rating-manual content is reproduced. See our full sourcing policy.