Ohio Workers' Comp Insurance for General Contractors & Trades (with employees)

This coverage is built for general contractors, construction managers, and remodeling or build-out firms that keep employees on payroll rather than running entirely on subcontractors. It fits residential and light commercial builders, project supervisors, and firms whose crews handle framing, punch-list work, and jobsite cleanup directly, in addition to any specialty trades performed in-house. It also fits firms that primarily supervise subcontracted trades but still keep a core crew of carpenters, laborers, or a construction superintendent on their own payroll, whether that's for one active project at a time or several running concurrently.

Construction classifications are built around the specific trade work being performed, not a single generic 'contractor' code, so a general contractor's payroll is often split across several classifications: carpentry for framing and trim crews, a supervisory code for project managers and superintendents who direct the work but don't perform manual labor themselves, and separate codes for masonry, concrete, or fencing crews if those trades are kept in-house rather than subcontracted out. Getting that split right matters, because a superintendent who never picks up a tool is rated very differently than the crew swinging hammers.

Falls from height, being struck by materials or equipment, lacerations from power tools, and overexertion from lifting and repetitive framing work are the most common injuries on a general contractor's jobsites. Masonry, concrete flatwork, and fence-installation crews add their own lifting and materials-handling exposure on top of the general jobsite risk, and debris-removal crews cleaning up after other trades face struck-by and laceration exposure from scattered construction waste. Carriers also look closely at how subcontractors are used, since an uninsured or underinsured sub can shift liability back to the general contractor, and at whether certificates of insurance are collected and tracked for every sub on a job. A documented jobsite safety program and fall-protection practices matter directly to how a submission is priced.

Because a general contractor's payroll mix can shift from job to job, one application is used to compare how multiple carriers rate the actual split between supervisory, carpentry, and any in-house specialty-trade payroll. Get Multiple Quotes within minutes.

Sole proprietors and partners are not automatically covered; coverage on themselves is elective and is added by filing BWC's supplemental coverage application (Form U-3S) and reporting income within BWC's minimum and maximum reportable payroll range. LLC members follow the same elective treatment when the LLC is taxed as a sole proprietorship or partnership; if the LLC elects corporate tax treatment, its owner generally must carry coverage unless it's a single-member LLC with no employees, which is optional. Corporate officers on Ohio family farm corporations can also elect coverage voluntarily under specific family-ownership criteria. Because coverage is bought directly from BWC rather than a private carrier, all of these elections are filed with BWC, not with an outside insurer.

Because Ohio is monopolistic, primary workers' compensation coverage can only be purchased from the Ohio BWC, not from a private carrier through our agency, and Ohio doesn't use NCCI classifications or an NCCI/independent-bureau rating structure the way other states do; BWC sets its own rates and group-rating programs. Where our agency does add value for an Ohio employer is around everything BWC doesn't cover: stop-gap employers liability coverage (which fills the gap monopolistic states leave in general liability and umbrella policies for workplace injury lawsuits), other commercial lines like general liability, property, and auto, and practical guidance on enrolling with BWC and evaluating BWC's group-rating and group-retrospective rating programs that can lower an employer's assessed rate. An Ohio employer that also operates in one of our other licensed states will need separate coverage for that state's payroll.