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Workers’ Compensation Insurance for Ohio Employers

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Support your employees. Protect your business.

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Essential Protection for Ohio Business Owners

One workplace injury can mean weeks of missed work, thousands in medical bills, and a world of stress for both you and your employee. With workers’ compensation insurance, you provide the financial and medical support your team needs—while also protecting your business from liability and lawsuits.



Moore Insurance guides Cincinnati employers through the complex Ohio Bureau of Workers’ Compensation (BWC) process and helps you stay compliant while giving your team the support they deserve.

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What Workers’ Comp Covers in Ohio

Every trade has its own set of challenges. That’s why we build tailored insurance packages for all kinds of contractors — from one-person operations to full-scale crews. No cookie-cutter policies, just protection that works for the way you work.

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Fleet Coverage Made Simple

If your team drives for work, commercial auto insurance protects your vehicles and passengers.

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Liability You Can Count On

Protect your business from lawsuits and injury claims with general liability coverage.

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Bundle Business Protections

A Business Owners Policy can streamline your coverage into one easy-to-manage plan.

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A Local Agency You Can Trust

When claims happen, our team is here with personal support and step-by-step guidance. We’re based in Cincinnati, and we understand the real challenges of hiring, training, and retaining staff in today’s economy.

  • Is workers’ comp mandatory for all Cincinnati businesses?

    Yes, under Ohio law, most employers with one or more employees must carry workers’ compensation insurance. The only exception is for sole proprietors or partners with no employees, though coverage is still recommended. Moore Insurance can walk you through the Ohio BWC application and ensure you're compliant.

  • How does the Ohio BWC system work for workers’ comp?

    Ohio uses a monopolistic system, meaning private insurance companies cannot sell workers' comp coverage. Instead, all policies are managed through the Bureau of Workers’ Compensation (BWC). Moore Insurance helps you apply, manage your policy, and choose optional private coverage like employer’s liability to close potential coverage gaps.

  • What if an employee is injured outside the workplace?

    If the injury occurs while the employee is performing job duties—like driving between client sites in Springdale—it may still be covered. The key is whether the injury is work-related. We help Cincinnati businesses understand where their liability begins and ends, so there are no surprises at claim time.

  • What happens if I don’t have workers’ comp and someone gets hurt?

    Failing to carry workers’ comp can result in heavy fines, stop-work orders, and even lawsuits. You may be personally liable for medical expenses and lost wages. It's far more cost-effective—and legally sound—to maintain proper coverage for your team from day one.

  • Can independent contractors be covered under my policy?

    It depends. True independent contractors aren't automatically covered, but Ohio BWC may reclassify some 1099 workers as employees based on control and job structure. If you're unsure how your team should be classified, Moore Insurance can help you assess your risks and stay compliant.