Am a Michigan based company, working in Ohio & hired Ohio residents. Covered under my MI workers comp??

[panteno]

Don't know the federal guidelines for a Michigan based company doing a major job in Ohio and hiring Ohio residents. Can't find out the legalities of if they are covered under my Michigan workers compensation or do I need to get another policy.

[gillian59]

NO. Ohio is a monopolistic state, you need to buy the OH policy off of the OH Workers Comp board, AND add employers liability - OH endorsement to either YOUR wc policy, or your gl policy (it can go on either, depending on what your insurance company prefers).

[deangelo51]

I really don't know the law well. I do know large companies in Ohio can be certified to pay workers compensation benefits directly. This amounts to being your own insurance. You may want to investigate this option. This link should help.

http://www.ohiobwc.com/employer/EmpSectionMap.asp

[fenwick]

I really don't know the law well. I do know large companies in Ohio can be certified to pay workers compensation benefits directly. This amounts to being your own insurance. You may want to investigate this option. This link should help.

http://www.ohiobwc.com/employer/EmpSectionMap.asp

Generally a single workers compensation policy can cover multiple states. Ohio is an exception, as several people above answered. Ohio is a monopolistic state, meaning only the state government can sell you an Ohio workers compensation policy. So yes, you need a second policy.

Your Michigan insurance agent can help explain this to you.

[fiynn]

need to ask a w/c lawyer

[dent81]

no, you will need ohio policy and ohio rates