|OhioBWC - Basics: Applying for Workers' Compensation Coverage|
|Applying for Workers' Compensation Coverage
Private employers may obtain coverage by submitting a completed coverage
application, Application for Ohio Workers Compensation Coverage (U-3) and a $120
Public employers are unique in that they do not file for coverage in the same manner as private employers, such as filing a U-3 application. They also do not pay a premium security deposit. To obtain coverage they must provide a Resolution or a copy of meeting minutes, signed by an Appointing Authority.
Completing the U-3
When completing the application, it's important to:
The initial deposit ranges from $120 to $1,000, depending on the estimated payroll entered on the Application For Coverage.
The $120 security deposit can be paid in one of four ways:
Workers' compensation coverage becomes effective when BWC receives the completed U-3 application
and a $120 minimum-security deposit. Private employers submitting their application online may choose
to print a temporary Certificate of Premium Payment. Approximately 30 days after BWC receives
the application with the required deposit, we issue a Certificate of Premium Payment notifying the employer
of the seven-digit policy number. This policy number should be included on all correspondence and checks sent to BWC.
The Certificate of Premium Payment will begin with the effective date of coverage through the end of the billing period,
at which time the semiannual payroll report and premium will be due. (Payroll reports with an end date of
Dec. 31 are due the last day of February of the following year and payroll reports with an end date of June 30
are due the last day of August.) Along with the certificate the employer will also receive a new employer kit,
which is also available online. We will send an invoice noting the difference between the initial $120 deposit and the additional
deposit owed under separate cover.