After receiving an employer's completed Application for Ohio Workers' Compensation Coverage (U-3) and $120 (minimum) non-refundable application fee, BWC processes the application and the employer's workers' compensation coverage begins. Refer to Applying for coverage for more information.
Once we process the application, we will:
- Mail you a Certificate of Ohio Workers' Compensation (also called a Certificate of Coverage) from the effective date of coverage through the end of the policy year. You must post your Certificate of Ohio Workers' Compensation.
- Establish an estimated annual premium for the policy year and send you an installment schedule for paying the premium. We must receive installment payments by the due date, or your coverage will lapse.
Important: Failure to pay your first premium installment by the due date will result in your coverage lapsing back to the effective date of the policy. If one of your employees is injured during a lapse in coverage, you're responsible for any claim costs and unpaid premium. We may charge you appropriate penalties. Your policy remains lapsed until you pay all installments that are due. Refer to Paying Premiums for more information.
Use coverage history to view the coverage effective date, any lapses in coverage, and the current status of your policy.
Once your coverage begins, you can:
- Create an e-account to report payroll, pay premiums, access policy information, and much more. You may even earn discounts by paying online and on time.
- After creating an e-account, enroll or subscribe to receive eNotices. When you Request eNotices, you can subscribe to our monthly newsletter, BWC eNews, and receive notice of your invoices electronically.
- Submit your payroll true-up report yearly. Each year, BWC requires employers to reconcile the payroll amount used to estimate their premium with their actual payroll amount for the policy year.