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If you have a job in Ohio, you might just assume your employer has Ohio workers’ compensation insurance. And you are probably correct in that assumption.
However, there are some exceptions to this and so not every employer in Ohio may have workers’ compensation insurance. So, what do you do if yours doesn’t?
Here’s what you need to know about workers’ compensation insurance.
In Ohio, companies with employees – even if they only have a single employee – must have workers’ compensation insurance. This is to protect employees who get hurt or fall ill on the job. And employees MUST have coverage from their first day on the job.
Most Ohio businesses comply with this and purchase this insurance through the Ohio Bureau of Workers’ Compensation – however, there are some companies in Ohio who are self-insured and pay benefits directly but are still required to provide benefits.
However, there are a few exemptions in Ohio workers’ compensation insurance coverage.
Businesses that don’t have to carry insurance include:
- Sole proprietors (with no employees)
- Family farms (with no employees)
- LLCs, individuals incorporated as a business and partnerships (with no employees)
- Some religious groups or organizations (although paid members of such groups or organizations must be covered)
Also, there is no coverage for volunteers who work with non-profit organizations or other entities, including private companies and corporations. But public employers, like fire departments, who use volunteers must provide workers’ compensation insurance.
The best thing you can do as an employee or volunteer is to ask your employer directly about benefits. If you work for an employer who is self-insured, for example, the process of filing a claim could be different, but the same rules must be followed by the self-insured employer.
Connor Kimmet and Hafenstein LLP
If you have questions about the workers’ compensation insurance at your job, our experienced attorneys can help you. We have a lawyer who will work for you and can answer your questions!