Zurich North America in Ohio
Zurich North America writes workers compensation insurance in Ohio, with A+ AM Best rating and a $5,000 minimum premium. Ohio carriers operate under Ohio BWC rate filings, with a max weekly benefit of $1,231 and a statute of limitations of 1 year. Verified 2026-05-09.
Zurich North America in Ohio
Strong international operations. Risk Engineering services. The carrier's industry focus is large commercial and risk-managed accounts, and the AM Best rating is A+ with a Stable outlook. Quotes go through licensed agents or the carrier underwriting team. Pay-as-you-go billing is available, which reconciles premium each pay period instead of at the annual audit. Self-service audit is available, employers can upload payroll records through a portal instead of waiting for an auditor visit.
Ohio workers comp rules that apply to every carrier
Ohio workers comp benefits are set by statute, not by the carrier. The maximum weekly indemnity benefit is $1,231 at 66.67% of the average weekly wage. The statute of limitations to file a claim is 1 year from the date of injury. Coverage threshold: 1 or more employees (private employers must obtain coverage from Ohio BWC; no private workers compensation carriers permitted in Ohio) On 1099 contractors: Workers are generally considered employees unless they meet specific criteria for independent contractor status, which is determined by a multi-factor test focusing on control and independence.
How to get a Zurich North America quote in Ohio
Have your FEIN, NCCI class code (or job description if you do not know the code yet), estimated annual payroll by class code, three years of loss runs from prior carriers, your published EMR (experience modifier) if you have one, and certificates of insurance for any subcontractors. Zurich North America can quote faster with complete information; missing payroll detail or loss runs typically delays underwriting by 5 to 10 business days.
Related
FAQs
Does Zurich North America write workers comp in Ohio?
Yes. Zurich North America writes workers compensation in all 50 + DC, including Ohio. AM Best rates the carrier A+ (Stable outlook), and the minimum premium is $5,000. Quotes go through agents or direct underwriting.
What kind of Ohio businesses does Zurich North America target?
Zurich North America focuses on large commercial and risk-managed accounts. Strong international operations. Risk Engineering services.
What is the max weekly workers comp benefit in Ohio on a Zurich North America policy?
Statutory benefits are set by state law, not by the carrier. Ohio caps weekly indemnity at $1,231 (effective 2025-01-01), calculated as 66.67% of the average weekly wage. Zurich North America pays the same statutory benefit as any other Ohio carrier.
How does Zurich North America handle 1099 contractors in Ohio?
Workers are generally considered employees unless they meet specific criteria for independent contractor status, which is determined by a multi-factor test focusing on control and independence. Zurich North America audits 1099 status against the same standard at policy audit; missing certificates of insurance for subcontractors typically lead to the sub payroll being added to the rated base.
Does Zurich North America offer pay-as-you-go workers comp in Ohio?
Yes. Zurich North America offers pay-as-you-go workers comp, where premium is calculated each pay period based on actual payroll instead of estimated annual payroll. Pay-as-you-go reduces audit surprises and is available in Ohio through Zurich North America.
When does Zurich North America audit my payroll in Ohio?
Ohio carriers including Zurich North America audit Within 90 days of policy expiration for private employers, but BWC can audit at any time.. Have payroll segregated by class code, certificates of insurance for every subcontractor, and overtime documented separately.