North Carolina and other states
Workers’ compensation insurance for employees outside Ohio
Workers’ compensation helps pay for medical care and lost wages when an employee is hurt or gets sick because of work. Ohio employers get workers’ compensation through the state-run Ohio Bureau of Workers’ Compensation. Kaufman Insurance Group can help businesses with employees in North Carolina and most other states.
- Coverage for employees in North Carolina and most other states
- Help for Ohio businesses with workers in other states
- Options that bill based on actual payroll, where available
Personal & Commercial · Quick Quotes – Good Rates · Great Companies
As an independent agency, we compare workers’ compensation insurance from the companies we work with, and we can also shop many other commercial insurance companies through wholesale partners. The companies that can quote you depend on your type of work, your payroll, the states where your employees work, and each company’s own rules.
These logos show some of the insurance companies Kaufman Insurance Group may be able to quote as an independent agency. Showing a logo does not mean the company endorses us. Which companies can offer you coverage depends on the type of insurance, where you live, and each company’s own rules.
The basics
How workers’ compensation works in Ohio and other states
Workers’ compensation helps pay medical bills and part of lost wages for employees hurt on the job. In most states, private insurance companies sell it and employers choose their own policy.
Ohio is different. Ohio employers get workers’ compensation through the state-run Ohio Bureau of Workers’ Compensation. Private insurance companies do not sell standard Ohio workers’ compensation, and neither do we.
Where we can help is outside Ohio. If your business has employees in North Carolina or in most other states, we can compare workers’ compensation options for them.
Ohio employees
Covered through the Ohio Bureau of Workers’ Compensation. Ask us about stop gap employer’s liability coverage.
Employees in other states
We can help with workers’ compensation in North Carolina and most other states.
Know what you are choosing
What a workers’ compensation policy includes
Workers’ compensation benefits are set by each state’s law. These are the main parts of a policy.
Medical care
Helps pay for treatment of a covered work injury or illness.
Lost wages
Helps replace part of an employee’s income while they recover, as state law sets out.
Employer’s liability
Helps protect your business if an employee sues over a work injury, within the policy limits.
Other states coverage
Options for employees who travel or work in more than one state, depending on the policy.
Pay-as-you-go billing
Some programs bill based on actual payroll each pay period, where available.
Certificates
Proof of coverage for general contractors and customers who require it.
Is it right for you
Businesses we can help
If you have employees working outside Ohio, you may need workers’ compensation in those states.
North Carolina employers
Businesses with employees working in North Carolina.
Ohio businesses working across state lines
Ohio companies with crews or staff in other states.
Contractors and trades
Crews that general contractors require to show proof of workers’ compensation.
Growing businesses
Businesses hiring their first employees outside Ohio.
Hiring outside Ohio? An agent can help you look at workers’ compensation for those employees.
How Kaufman helps
How we help with workers’ compensation
We are an independent agency, so we can compare options instead of offering just one.
Tell us about your team
Share where employees work, what they do, and estimated payroll for each type of work.
We compare companies
An agent reviews options for your employees outside Ohio and explains how billing and audits work.
Stay covered
We can issue certificates and help you update coverage as you hire or move into new states.
We focus on Ohio and North Carolina, and we can also help businesses with employees in most other states. Beyond the companies we work with directly, we can also shop many other commercial insurance companies through wholesale partners. For Ohio coverage, contact the Ohio Bureau of Workers’ Compensation.
Common questions
Workers’ compensation questions
Can you sell me Ohio workers’ compensation?
No. Ohio employers get workers’ compensation through the state-run Ohio Bureau of Workers’ Compensation, not from private insurance companies. We can help with coverage for employees in North Carolina and most other states.
My business is in Ohio, but some employees work in other states. What should I do?
Employees who work in other states may need coverage there. Talk with the Ohio Bureau of Workers’ Compensation about your Ohio coverage, and ask us about options for the employees who work outside Ohio.
What is stop gap coverage?
Ohio’s state fund does not include employer’s liability coverage. Many Ohio employers add it through a stop gap endorsement, often on a general liability policy. Ask us whether it makes sense for your business.
Is workers’ compensation required in North Carolina?
North Carolina requires many employers to carry workers’ compensation, with some exceptions. The rules depend on your business and number of employees, so check the requirements from the North Carolina Industrial Commission or ask us.
What is pay-as-you-go workers’ compensation?
Pay-as-you-go programs use payroll from each pay period to figure your premium, instead of an estimate paid up front. They can help if your payroll changes during the year. Availability depends on the company and the state.
What affects the price of workers’ compensation?
The type of work your employees do, your payroll, your claims history, and the state all affect the price. Safer work and fewer claims can help over time.
Related coverage
Coverage that works with workers’ compensation
General liability insurance
Protection if your business is blamed for injuring someone or damaging their property.
Explore general liabilityCommercial umbrella insurance
Extra liability limits above your commercial policies.
Explore commercial umbrellaContractor insurance
Coverage for remodelers, roofers, plumbers, HVAC pros, and other trades.
Explore contractor insuranceCommercial auto insurance
Coverage for the work trucks, vans, and cars your business uses.
Explore commercial auto insuranceBusiness owners policy
A package of property and liability coverage for many small businesses.
Explore business owners policiesCommercial insurance hub
See all the business insurance we can help with, from liability and property to vehicles and contractors.
Explore commercial insuranceReady to cover your employees outside Ohio?
Start a workers’ compensation quote online, or contact us with questions. An agent will help you compare your options.
Prefer to talk? Call (330) 486-8404.