Ohio law requires all employers with one or more employees to carry workers’ compensation coverage. Independent contractors and sub-contractors also must obtain coverage for their employees.
In most states, this insurance is provided by private insurance companies. However, in Ohio the insurance is provided through the Ohio Bureau of Workers’ Compensation (BWC).
The OAB’s Group Rating Program
Group rating allows employers who are substantially similar in industry to group together to potentially achieve lower premium rates than they could otherwise achieve as individual employers. Currently over 95,000 Ohio employers are participating in different types of group rating.
Trade organizations such as the Ohio Association of Broadcasters are allowed to sponsor these group rating programs. OAB offers this group rating service through CareWorks Consultants, Inc. This enables OAB members to save anywhere from the BWC maximum discount to a smaller percentage for companies with claims. Learn more.
How Much Can My Station Save?
The Ohio Association of Broadcasters endorses CareWorks Comp because they help employers maximize their premium savings. CareWorks Comp analyzes each employer’s unique claim and premium history to find the highest level of savings in all available workers’ compensation programs.
The goal is to ensure the lowest possible financial impact when an OAB member faces a workers’ compensation claim.
Participation also provides OAB members with other benefits, including CareWorks claims management services, having a CareWorks representative attend government hearings if a member’s claim is contested, and a review of all claims for potential handicaps or settlements.
Request a Quote
For a no-cost, no-obligation quote on how the OAB’s group rating program could lower your workers’ compensation payments, contact CareWorks’ Cordell Walton at 614-827-0398. You can also receive a free quote by completing the Careworks online form for OAB members.
Coronavirus (COVID-19) Frequently Asked Questions
In response to the COVID-19 crisis, the Ohio Bureau of Workers’ Compensation (BWC) has provided a list of frequently asked questions. View the document