Products & Services

Workers’ Compensation Insurance

Group Rating

December 2023 – November 1, 2024

Agents submit AC-3s for review

June 2024 – November 2024

Enrollment period: invitations to enroll sent to employers

November 24, 2024

Deadline for group rating enrollment


Group Retrospective

December 2023 – December 2024

Agents submit AC-3s for review

June 2024 – January 2025

Enrollment period: invitations to enroll sent to employers

January 31, 2025

Deadline for group retrospective enrollment


Dates for the 2024 policy year are July 1, 2024 through June 30, 2025

Workers’ Compensation Group Rating Program


Group rating is a program employers can access to reduce workers’ compensation rates. Ohio Bureau of Workers’ Compensation (BWC) permits employers to join together to be “rated” as a group through a sponsoring organization, such as Ohio Insurance Agents Association (OIA), to save money.

More than 78,000 Ohio employers have joined a group rating plan. OIA’s plan is one of the largest in Ohio and is administered by Sedgwick.

As a member, you owe it to your organization to explore all of the savings options available to you.  Exploring your options is simple.  For a free, no-obligation analysis, click here to request a savings analysis by completing an AC-3 form for your agency.

You can also access this AC-3 form on behalf of your clients to get them enrolled in the program and earn commission.

BWC has approved some changes that impact employers participating in a group rating program. Review the Group Rating Safety Accountability Letter.

Frequently Asked Questions

Are all plans the same?

No. Some plans inflate projected savings and are not large enough to form stable groups. When this occurs, employers find their actual savings are less than expected. OIA’s plan does not inflate projected savings and is large enough to form stable groups in all industries.

How much can I save?

With OIA’s program, you can get the maximum allowable discount. Most employers in our group save the maximum!

What if I have not qualified for group rating in the past?

Your eligibility for group rating may change from year to year. Even if you have not qualified in the past, you could qualify through OIA.

What if I am currently in another group rating plan?

You may switch plans on an annual basis to save more money. Contact us to fill out a no-hassle AC-3 form.

Am I required to join a sponsoring organization to be in group rating?

Yes. Annual dues vary widely and reduce your savings. Some organizations’ dues are more than $1,000, but OIA’s dues are minimal.

How do I compare plans?

After submitting an AC-3 form, if eligible, you will receive enrollment information that projects your savings for the next year. We can assist you in comparing service coverage and related costs.

Top 10 Reasons to Enroll Your Commercial Clients in the OIA Workers Comp Group Rating Program

The Ohio Insurance Agents Association (OIA) workers’ compensation (WC) group programs are known for saving Ohio businesses millions of dollars, but that is just a part of what we do. Our members and your clients benefit in many other ways with our WC programs, including account rounding, additional risk management services, case management and safety tools.

Your clients depend on you for their insurance needs – it should only be a natural fit to manage their risks when it comes to workers’ comp insurance, too.

Read More

What additional benefits are available?

  • Free safety consulting services
  • Free safety manual specific to your industry ($500 value) to help you reduce potential losses and create a safer workplace
  • Cost-effective claims management by experienced professionals
  • Representation at hearings before the industrial Commission of Ohio
  • Workers’ compensation education and training through seminars, newsletters and bulletins
  • Online access to safety education and training resources
  • Access to unemployment compensation consultation and representation

Seven Unique Employer Benefits

Offered only through OIA

1. Outstanding track record.

OIA and Sedgwick deliver the greatest savings to Ohio employers and the most stable rates in the market.

2. Savings. 

Sedgwick contends with the time-consuming hassles of claims management, saving you time and money.

3. Aggressive claims representation.

Sedgwick leads the industry in cost-relief filings (settlements and handicap recoveries) with the BWC. These filings directly reduce your bottom-line premium costs.

4. FREE safety help.

Enjoy convenient “plug and play” safety protection, including a safety program, industry-specific manual and access to a safety consultant. All free of charge!

5. Convenience of local service

Sedgwick has locations in Canton, Cincinnati, Cleveland, Columbus, Toledo and Youngstown, and proudly delivers workers’ compensation claims management and cost-containment strategies to nearly 65,000 Ohio employers.

6. Peace of mind.

OIA has a plan for every employer. OIA can help reduce your workers’ compensation costs. Your mind will be at ease knowing you found the right plan.

7. Personal service.

Your Sedgwick account manager works to provide greater protection against losses.

Your Workers' Comp Contacts

Jeff Smith
Chief Executive Officer
Colleen Barbara
Marketing Coordinator
Rejeana Woolum-Napier
Agency Relationship Manager Phone (614) 359-2403
Fax (614) 789-4213

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