Risk Management

How The Ohio Plan Protects Public Entities

The Ohio Plan Risk Management is a member-driven alternative property and liability insurance program focused on providing affordable and comprehensive coverage along with a wide range of risk management services to Ohio local governments and special districts. We utilize independent agents throughout the state of Ohio. These agents are experts in their field and can help create a program specific to every member’s needs.


Committed to remaining financially secure, the Board of Directors closely monitors the financial position, limits exposure to the plan and maintains long-term surplus stability.


Avoiding huge premium swings to provide members with stabilized rates and budgeting predictability

& Occurrence Based

The Ohio Plan is unwavering in its philosophy that members are only responsible for their premiums and are covered for losses occurred during their Membership

Since 1988, we have helped Ohio’s public entities find creative solutions to their property and casualty needs. Our underwriting, risk management and claims teams – along with our regional representatives – work to provide the most comprehensive solutions to meet our members’ needs. Overseen by our board of directors, we constantly strive to better serve our members and enable them to better serve their communities. Through this approach, we’ve been honored to serve many of our members for over 30 years.

Why We Do it

In 1988 we created the Ohio Plan because public entities found it very difficult to obtain cost effective and quality coverage. Over the years, our products and services have expanded and we now offer a comprehensive package that meets any governmental entity’s needs. Our board of directors includes public officials throughout the state, which allows us to understand the unique challenges public entities face and offer appropriate protection.

Risk Management

We collaborate with each Member to create a unique risk management profile by categorizing typical loss exposures to the Core Areas of Risk. This allows all Members, regardless of size, services, or resources to concentrate their efforts on loss control methods that matter.

Claims Service

The Ohio Plan provides 24/7 claims service answered by experienced claims adjusters. The Plan’s claim adjusters are focused solely on public entities and are proficient in the defenses and immunities afforded to Ohio public entities by the Ohio Revised Code.

Advantage Plan

We provide an annual renewal premium credit to Plan Members based on the Member’s consecutive years of membership, loss ration calculation and risk management practices.

Scroll to Top