Types of Employers
There are two types of employers:
If you do not know if your employer is state-funded or self-insured,
ask your employer.
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.
Click here for more information on State Fund Employers
Approximately one/third of Ohio employers are self-insured. Self-insured employers pay
workers' compensation benefits directly to their employees.
If your employer is self-insured, your workers' compensation claim should be filed with the employer.
When employers doing business in the state of Ohio meet the self-insuring criteria listed under
and OAC 4123-19-03
they are granted the privilege to self-insure (administer) their
own workers' compensation claims.
Self-insuring employers are given decision-making
authority similar to that of the BWC Administrator.
The self-insuring (SI) employer agrees to abide by
BWC and Industrial Commission (IC) rules and regulations.
The employer agrees to provide accurate and timely
payments of compensation and benefits subject to the
provisions of those rules.
Click here for more information on Self-Insured Employers.