The only real alternate to the BWC is the tort system. Get a hangover, sue your employer. Get hurt by an error of your foreman, your family must sue. Without a lawsuit, the employer has no basis of to collect from his insurance.I would just eliminate it completely. This is welfare for goldbricks, and it is driving businesses out of Ohio.
With tort system, the lawyers and goldbricks really make out.
The defects in BWC has resulted in the Doctrine of "Absolute Libility".
Attended a course, subject was five types of lawsuits faced by an employer "on the Great Lakes, Rivers, and the related waterfronts". BWC claims were the smallest and most predictable.