|OhioBWC - Basics: Who are State fund employers?|
|Who are state-fund employers?|
Ohio's employers are either state-fund or self-insured. If you do not know if your employer is a state-fund or self-insured employer, you need to ask your employer.
State-fund employers - State-fund employers pay an insurance premium to BWC which is placed in the state fund.
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.
Black lung employers are coal mine operators.
Marine fund employers are those who engage in maritime commerce on Ohio navigable waterways.
Employers may not exclude employees from workers' compensation benefits based on age, citizenship, gender, race or relationship. According to the law, employees receive pay from employers for services performed when the relationship between the employer and employee is created by a contract of hire — written, oral, expressed or implied.
BWC considers corporate officers employees for the purpose of workers' compensation. Corporate officers must report their pay subject to the weekly minimum and maximum limits posted annually. BWC changes the minimum and maximum reportable remuneration yearly based on the statewide average weekly wage.
The law also requires independent contractors and subcontractors to carry workers’ compensation insurance for their employees.
Workers’ compensation coverage is an option that can be purchased for ministers, officers of family farm corporations, and sole proprietors and partners.