Workers’ CompOhio
Pick your industry, monthly payroll and claims history to see an illustrative monthly workers' compensation cost guide for an Ohio business. Ohio Bureau of Workers’ Compensation base rates effective July 1, 2026.
It's an illustrative estimate, not a quote. Real premiums depend on your exact classification codes, experience modification, insurer, underwriting and safety record.
Uses Ohio BWC Appendix A base rates per $100 of payroll. The published base rates do not include DWRF or additional DWRF assessments, so the calculator is not a full Ohio premium calculation. Pool cleaning uses janitorial class 9014 as the closest cleaning-services proxy. Carpentry and concrete use equal-weight blends.
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*Illustrative estimate only — not an insurance quote. Ohio Bureau of Workers’ Compensation base rates effective July 1, 2026. Uses Ohio BWC Appendix A base rates per $100 of payroll. The published base rates do not include DWRF or additional DWRF assessments, so the calculator is not a full Ohio premium calculation. The claims-history adjustment is a 10 Second Quotes product assumption, not an official experience modification or insurer rating factor. Actual premiums may vary substantially.
Uses Ohio BWC Appendix A base rates per $100 of payroll. The published base rates do not include DWRF or additional DWRF assessments, so the calculator is not a full Ohio premium calculation. Pool cleaning uses janitorial class 9014 as the closest cleaning-services proxy. Carpentry and concrete use equal-weight blends.
Claims history adjustment. 10 Second Quotes uses a simplified claims-history assumption solely to illustrate how prior claims may affect cost. It is not an official experience modification or insurer rating factor, and it does not calculate or predict the rating factor an insurer may apply.
These factors are 10 Second Quotes product assumptions for illustrative estimation only.