Ohio Worker's Compensation Insurance Coverage

Every business is unique, and each faces different exposures. We make it our business to become experts in your business so we can identify the key exposures you face, and then provide the best coverage solutions to address the risks of loss.

We work for you to provide the security and peace of mind you deserve so you can spend more time running your business and less time worrying about your insurance. It's a simple philosophy, but one that many Ohio businesses have come to expect from the licensed advisors at Simon Insurance Agency. We appreciate these lofty expectations, we look forward to exceeding them for our current clients, and we continually strive to help prospective clients increase their expectations of their insurance protection.

Our Business Insurance Products Include:

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Workers’ Compensation

Ohio Worker's Compensation Insurance

Since each state has its own workers compensation system, programs differ. A few states require workers' comp be bought from the state. Ohio happens to be one of these states. Other states sell workers' comp in competition with private insurance companies. Benefit amounts can vary widely from state to state.

Workers' compensation coverage is extended to bodily injury by accident and bodily injury by disease. The latter coverage has been an important factor in occupational diseases like black lung and more recently, carpal tunnel syndrome. The injury or disease must result from being on-the-job. Over the years, people have disagreed as to what constitutes on the job.

What are the benefits for employees who suffer an occupational injury or disease?

The five main types of benefits are:

1. Medical care
2. Disability income
3. Death benefits
4. Income benefits for survivors
5. Rehabilitation services

Even with these benefits, workers' compensation has not eliminated liability claims employees make against their employer. In these types of claims, Employer's Liability Coverage exists to protect businesses.

Since Ohio is currently a monopolistic state (which means you have to buy workers' compensation coverage from the state), Employer's Liability coverage is not included in the policy. The way around this is to buy Stop Gap coverage to protect your business in the event an employee was to sue you for an injury sustained on the job.

Tip. Workers compensation is one insurance coverage where an ounce of prevention can save many premium dollars.

Request A Free Quote

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Requesting a free quote is easy, straight forward and time saving!

All we need from you is some basic information to get the process started. By filling out the form to the left with a few lines of information, it will allow one of our experienced insurance agents to contact you to discuss the different options of the insurance type you requested.

We are here to work for you so that is exactly what we will do. Once we have all the information we need, we will carefully look over all the options that are available to find out the best coverage for the best rate that will fit your needs. Then we will call you back to let you know how much money you saved by switching your business to Simon Insurance Agency.

Thanks for inquiring about insurance through Simon Insurance Agency.

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