25+ Years of Experience

The Ohio Plan Risk Management was established in 1988 as a result of a tumultuous insurance market.

Financially Strong

Retaining a small percentage of risk, the structure used limits the exposure to the plan and allows for surplus stability.

Competitive Rates

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


The Ohio Plan is unwavering in its philosophy that members are only responsible for their premiums.

The Ohio Plan Difference

Program Stability

The Ohio Plan 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. The Ohio Plan, its board of directors and service partners pride themselves in providing exceptional service and many benefits to the Ohio Plan membership.


The Ohio Plan Risk Management was established in 1988 as a result of a tumultuous insurance market. Many public entities were forced to pay extremely high premiums or self-insure their property and/or liability exposures due to insurance carriers exiting the public entity marketplace due to increased losses. Since this time, the Ohio Plan has grown membership, members’ equity and services, bringing long-term stability to the program and its members.


What People Say About Us

  • "I have learned a lot because of your experience and willingness to share information. I look forward to many more years with the Ohio Plan and the Love Insurance Agency."

    The Village of Boston Heights | Betty Klingenberg – Fiscal Officer

  • "The Ohio Plan is the clear choice for our clients."

    Rinehart, Walters, Danner & Associates | Gary Walters, CIC

  • "The Risk Management Team has provided us with recommendations at the lowest cost possible to protect the city and our budget. The team is willing to provide the necessary training and inspections as needed."

    City of Port Clinton | Jennifer Porter – Administrative Assistant

  • "Ohio Plan has always come to my rescue."

    City of Tiffin | Debra A. Reamer – City Administrator