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.

Nonassessable

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.

Testimonials

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

Core Features of the Ohio Plan

A Few Words About Us

Who We Are

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. 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.

What We Do

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 25 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.

Our Members

Cities 5%

Fire/EMS Districts 3%

Libraries 12%

Park/Recreation Districts 3%

Townships 34%

Villages33%

Water/Sewer Districts4%

Other6%