P&COhiomedium
Why is workers' compensation insurance excluded from the file-and-use rate filing regime that applies to other Ohio P&C lines?
Because R.C. 4123.29 commits WC ratemaking to the BWC monopoly state fund, with no private WC market
BBecause Ohio prohibits any pricing of WC coverage by law
CBecause Congress preempts state regulation of WC pricing
DBecause WC rates are set by the federal Department of Labor, which preempts Ohio's monopoly state-fund ratemaking framework under R.C. 4123.29
Why this is the answer
R.C. 4123.35 makes Ohio a monopoly state-fund WC jurisdiction: employers must purchase WC from the BWC or qualify as self-insureds; there is no private WC insurance market. R.C. 4123.29 commits premium ratemaking to the BWC. Chapter 3937 file-and-use applies to private P&C lines, not WC. Federal preemption and DOL ratemaking are inapplicable.
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