Start with verified inputs
Retrieve the class from your BWC records rather than choosing by the lowest rate or an industry keyword. Classification depends on the operations and BWC rules. Use payroll for the same policy year as the rate schedule, and keep Ohio payroll separate from payroll reported elsewhere.
If you have more than one assigned class, use the payroll allocation permitted by BWC. Do not use a single-class result as the total for a business with additional payroll classes. Revenue and headcount are not substitutes for reportable wages.
Read the calculation and its assumptions
The base-rate arithmetic is reportable payroll divided by 100, multiplied by the published class rate. Ohio’s current private-employer schedule expresses rates per $100 of payroll. An optional experience modifier should be the applicable Ohio modifier, not a guess.
Read all assumptions shown with the result. Employer-specific adjustment factors, rating programs and payroll rules can make BWC’s calculation different. Construction or owner/officer reporting rules may require changes to the payroll input. Use the actual BWC notice to determine what is due.
Use the result to prepare a review
Save the class, payroll period and assumptions alongside your budget. If the output seems unusual, first check those inputs against your BWC records. The tool does not assign a classification, enroll you in a rating program or activate coverage.
For state-fund coverage, use official BWC channels. For a broader business-insurance review, prepare your operations, vehicles and property details. Ask separately about stop-gap employers liability; Ohio state-fund workers’ comp does not include that protection.
Before you request quotes
Prepare for an agent review
- Use the July 1, 2026–June 30, 2027 payroll period.
- Confirm each class with BWC before calculating.
- Enter reportable Ohio payroll, not annual business revenue.
- Use only a verified applicable Ohio experience modifier.
- Read the assumptions and compare with your BWC notice.
Your request is saved for review. Quote timing and agent availability are confirmed separately.
Common questions
Is the result a quote from Ohio BWC?
No. BizInsured is not affiliated with BWC or the State of Ohio. BWC determines the actual premium, coverage status and final classifications.
Can the calculator tell me which class to use?
No. Look up your assigned class in your BWC records or confirm it directly with BWC. Finding a code in the rate table does not prove that it applies to your business.
Does this calculate employee injury benefits?
No. It estimates employer premium inputs. It does not calculate an injured worker’s wage replacement, impairment award or settlement.
Read the source
Sources and further reading
- Ohio Administrative Code 4123-17-06: 2026–2027 private-employer base rates
- Ohio BWC private-employer base-rate table: Appendix A, effective July 1, 2026
- Ohio Administrative Code 4123-17-08: classification assignment
- Ohio Administrative Code 4123-17-14: payroll reporting and premium reconciliation
- Ohio Revised Code 4123.35: state-fund coverage and approved self-insurance
- The Hartford: stop-gap employers liability
General education from BizInsured.ai. A licensed agent or the relevant authority can confirm how a requirement or policy applies to your business.