Third-party work-injury advances. Ohio BWC does not preclude funding. $500–$25,000. Non-recourse.
Ohio is a monopolistic workers' comp state — the Bureau of Workers' Compensation (BWC) is the exclusive workers' comp carrier. That means most work injuries go through BWC (which pays medical + a portion of wages, no pain-and-suffering) rather than a lawsuit. But when a third party — a subcontractor, an equipment manufacturer, a driver of a delivery truck, a property owner — caused the injury, plaintiffs can (and often do) file a separate personal-injury lawsuit alongside the BWC claim. Instabridge funds those third-party cases.
A third-party work-injury lawsuit is a personal-injury case against someone other than your employer (whose immunity comes from Ohio Rev. Code § 4123.74). BWC's subrogation lien attaches to any recovery — Ohio requires BWC be paid back from the settlement — but the case is otherwise a normal PI case. Pre-settlement funding is fully compatible with an open BWC claim; the two are legally separate.
Multi-employer jobsites are the most common Ohio third-party work-injury profile. GC vs. sub liability turns on OSHA violations and the specific site-safety plan. These cases are often high-value; funding demand is common because they take 18-30 months.
Product-liability layer against the manufacturer — Ohio Product Liability Act (§ 2307.71 et seq.) governs. Recoveries can be substantial; the four-year statute gives more evidence-gathering time.
Injured while driving for work + a civilian driver was at fault = both BWC and a third-party PI claim. Very common in Ohio.
Two-year statute for bodily injury (§ 2305.10). Employer Intentional Tort claims have their own two-year statute (§ 2305.10 read with § 2745.01) but the substantive bar is very high — 'deliberate intent' to cause the injury is required. Product-liability claims against equipment manufacturers run four years from injury under § 2305.10(A).
Third-party work-injury settlements track injury severity and the coverage available. Amputation, spinal, and TBI cases from industrial accidents in Ohio commonly settle $250K–$2M+. BWC's subrogation lien reduces the plaintiff's net — a factor we always underwrite around.
We ask for the BWC claim documentation, the third-party demand or complaint, current medicals, and — importantly — an estimate of BWC's subrogation lien. That lien is subtracted from the projected recovery before we size the advance.
Yes, as long as there is a separate third-party lawsuit or clear demand pending against someone other than your employer. BWC does not fund lawsuit costs and its benefits typically don't cover full lost income; pre-settlement funding is a common bridge.
Yes. We underwrite the net recovery (projected settlement minus BWC's subrogation claim, attorney fees, and expenses). Your attorney's assessment of the lien is a key underwriting input.
Ohio Rev. Code § 2745.01 allows suing the employer directly only when the employer 'deliberately intended' to cause the injury. The bar is extremely high — a design-defect claim against the equipment maker is almost always a stronger legal path.
Instabridge offerings that support workplace injury cases.
workplace injury cases we've funded across Ohio.