Pennsylvania Workers' Compensation

How to Buy Workers' Comp Insurance in Pennsylvania

Full analysis of hazardous industries and insurance costs in your city.

Popular Questions about Pennsylvania Workers' Compensation Insurance

Who is covered under Pennsylvania workers' comp insurance?

Pennsylvania workers’ compensation law requires all employers who have one or more employees to purchase workers’ compensation insurance. But there are a few exceptions to keep in mind.

Longshoremen, railroad workers, agricultural laborers earning less than $1,200 per person per year, licensed real estate salespersons and persons who work out of their own home do not have to purchase coverage. 

And just like any other state, the workers' comp program is a no-fault system. That means employees are guaranteed benefits no matter who is at fault if an injury occurs.

  • Construction empoyers: One or more employees
  • All employers: One or more employees
  • Agricultural employers: Laborers earning more than $1,200 per person, per calendar year

Where can you purchase Pennsylvania workers' comp insurance?

Pennsylvania workers’ compensation insurance can be purchased in three different ways. One is from an insurance agent or private insurer who is licensed to sell it in the state. The second option for employers is to self-insure with approval from the Department of Labor and Industry. And lastly, coverage is also available through the State Workers’ Insurance Fund. This is an insurance fund, run by the state, that sells policies, investigates claims and pays benefits. Any employer may choose to purchase a policy this way.

What will workers' comp insurance pay for in Pennsylvania?

  • Medical bills: Example: A waiter suffers severe burns and needs to be taken to the hospital.
  • Wage replacement: Example: An employee needs to miss three days of work to recover from a back injury that happened on the factory floor.
  • Death benefit: Example: A coal miner's family receives benefits after a fatal work-related accident.

These three scenarios are certainly the most common, but workers' compensation coverage protects from much more than that. Within medical care, coverage will step in and help employees recover from a job-related injury or illness. The coverage includes temporary disability benefits, counseling sessions and physical therapy appointments. In addition, any legal ramifications that you as an employer may face after an accident will be covered. It truly provides 360 degrees of protection in the worst of scenarios.

How is workers' compensation calculated in Pennsylvania?

Information Needed First:

Classification Code: Every industry has its own unique class code. It's a four-digit number that is used to determine what industry you're in and therefore helps to determine appropriate rates, coverages and exclusions.

Example: Mason = 2051

Base Rate: Each specific type of coverage has its own base rate, which is the cost of a given unit of insurance. It's a number that doesn't take increased liability limits or any other adjustments into account. Consider two professions: A mason has a base rate of 4.75%, whereas a teacher may have a base rate of 1.43%.

Example: Mason = 4.75%

Calculation: Base rate% x (Payroll/100)

Step 1: $100,000 Payroll / $100 = 1,000

Step 2: 1000 X 4.75 (base rate) = 4,750 

Estimated workers' comp premium: $4,750.00

How do experience modifiers affect Pennsylvania workers' comp rates?

Let's define what an experience modifier is. It's a factor determined by the difference between an insured's actual past experience and the expected or actual experience of the class or industry. It can be a debit or a credit — which means it could increase or decrease your premium. It can affect your workers' comp rate significantly, depending on your past insurance history.

  • Average mod:: 1.0 = does not impact premium
  • Debit mod: Greater than 1.0 = premiums go up
  • Credit mod: Less than 1.0 = premiums go down

If your workers’ compensation policy is experience-rated, your premiums are determined by this calculation: Base rate x Payroll x Mod

Find Workers’ Compensation Insurance in Your City

Phoenixville

Average workers’ compensation premium for popular Phoenixville businesses

  • Health care and social services: $3,050
  • Transportation: $6,440

The Top Three Hazardous Industries in Phoenixville

  • Health care and social services
  • Transportation
  • Accommodation and food services

It's fairly obvious that the most dangerous professions are those involving heavy equipment, like construction and manufacturing. And because these Phoenixville businesses present workplace hazards to their employees, workers' compensation insurance is a necessary cost to pay for proper insurance and medical protection.

You deserve workers' comp insurance that is comprehensive, customized and affordable. The only way to find a policy with all three attributes is with a Trusted Choice independent insurance agent. Our agents will find a carrier and insurance plan that meets your unique needs and gives you 360 degrees of protection.

Ephrata

Average workers’ compensation premium for popular Ephrata businesses

  • Manufacturing: $2,230
  • Construction: $7,790

The Top Three Hazardous Industries in Ephrata

  • Manufacturing
  • Construction
  • Food services

These are the most hazardous industries in the area — and all of them have a serious need for workers' compensation insurance. If an employee at a manufacturing plant is injured while on the line or if a drill goes haywire at a construction site, the company and worker must be protected financially, legally and medically.

It's about time you get comprehensive workers' comp coverage for yourself and your employees. A Trusted Choice agent will gladly answer your questions and set up a plan that makes sense for you and your business, a plan that provides ample protection if an accident occurs. Contact your local agent to get started today.

Coatesville

Average workers’ compensation premium for popular Coatesville businesses

  • Manufacturing: $2,230
  • Waste management services: $6,200

The Top Three Hazardous Industries in Coatesville

  • Manufacturing
  • Waste management services
  • Construction

You may not know it, but the most dangerous workplaces in the Coatesville area are in these three industries. They all present serious risks to their employees — which means workers' comp insurance should be top-of-mind, since accidents can often happen.

A Trusted Choice independent insurance agent will walk you through the workers' comp process until you find a policy that is customized, comprehensive and affordable. Since we can show you quotes from numerous carriers, you can choose the policy that meets your needs, wants and desires.

Franklin Park

Average workers’ compensation premium for popular Franklin Park businesses

  • Scientific and technical services: $2,350
  • Manufacturing: $2,230

The Top Three Hazardous Industries in Franklin Park

  • Scientific and technical services
  • Manufacturing
  • Construction

Every workplace has its own unique hazards, but these three expose their employees to the highest risks in the Franklin Park area. Whether it's on an assembly line with a big piece of equipment or testing a chemical, accidents can happen, so businesses need the right kind of protection.

Finding a comprehensive workers' comp insurance plan doesn't have to be complicated. A local Trusted Choice agent is ready and waiting to share their expertise. Get the coverage you need at a price you want. Just contact your agent to get started and get some questions answered.

Kingston

Average workers’ compensation premium for popular Kingston businesses

  • Manufacturing: $2,230
  • Food services: $1,400

The Top Three Hazardous Industries in Kingston

  • Manufacturing
  • Food services
  • Scientific and technical services

Consider this scenario: An employee is working on the line in a manufacturing plant when a heavy piece of equipment malfunctions, causing serious damage to the worker's arm. Who's liable? Every industry presents workplace hazards against which you need protection — especially these three, which are the most dangerous in the area.

A Trusted Choice agent is here to help you with your workers' comp needs. Whether you're a manufacturing plant with big insurance liabilities or a restaurant with smaller needs, we will get you the coverage you need at a price you want. You just have to contact your local agent to get started.

Meadville

Average workers’ compensation premium for popular Meadville businesses

  • Manufacturing: $2,230
  • Transportation: $6,440

The Top Three Hazardous Industries in Meadville

  • Manufacturing
  • Transportation
  • Health care

Why are these the most dangerous industries in the area? Just consider the workplace for each. A manufacturing plant has big, heavy equipment, and anything transportation-related has uncontrollable risks for the other drivers. That's why these need the most workers' comp insurance protection.

The only surefire way to find the best workers' comp coverage is with a Trusted Choice agent. Our agents are local and have the expertise to evaluate your unique needs and find you the policy you need from a carrier you can trust. Contact an agent when you're ready to get started down the path.

New Kensington

Average workers’ compensation premium for popular New Kensington businesses

  • Manufacturing: $2,230
  • Construction: $7,970

The Top Three Hazardous Industries in New Kensington

  • Manufacturing
  • Construction
  • Transportation and warehousing

The more dangerous the job and industry, the more likely it is that your employees will get into an accident. You need the right amount of workers' comp coverage for your specific business — especially against those hazards that pose the biggest risks to your employees and their safety.

Don't you want a trusted, local insurance agent on your side? Whether you're shopping for coverage for the first time or simply have a few questions about liability claims, you deserve to have help. Contact your independent agent to find a policy that works for you and your business.

Elizabethtown

Average workers’ compensation premium for popular Elizabethtown businesses

  • Manufacturing: $2,230 
  • Transportation and warehousing: $6,440

The Top Three Hazardous Industries in Elizabethtown

  • Manufacturing
  • Transportation and warehousing
  • Construction

Manufacturing is the most dangerous — and one of the most common — industries in the Elizabethtown area. For employees who work with heavy equipment day in and day out, workers' comp insurance is absolutely necessary in case an accident occurs. Keep this in mind when you're considering how dangerous your worksite is and what it means for your coverage needs.

Ready to find comprehensive and affordable coverage? Look no further than your local Trusted Choice independent insurance agent. Our agents will assess your business's needs and find a unique policy that fits within your price range. That way, you can get 360 degrees of coverage.

Yeadon

Average workers’ compensation premium for popular Yeadon businesses

  • Transportation and warehousing: $6,440
  • Manufacturing: $2,230

The Top Three Hazardous Industries in Yeadon

  • Transportation and warehousing
  • Manufacturing
  • Food services

These aren't the only hazardous workplaces in the area, but they're the most common. Each and every work environment has its own unique hazards that you have to address when looking at insurance. You should protect not only your business but also your employees from any accidents involving heavy equipment or trucks.

Finding an insurance agent in Yeadon is easy. Just use the Trusted Choice website to look for agents in your area. They'll be more than happy to find you coverage that addresses your needs and fits in your price range.

Munhall

Average workers’ compensation premium for popular Munhall businesses

  • Construction: $6,280
  • Food services: $1,350

The Top Three Hazardous Industries in Munhall

  • Construction
  • Food services
  • Scientific and technical services

A construction worker uses enormous and dangerous equipment. A food services employee is surrounded by hot equipment all day long. And a scientist is putting himself at risk with lots of chemicals. Workers' comp insurance is necessary in these industries because accidents can happen when you least expect it — especially if you're in these kinds of environments.

A Trusted Choice agent can help you find the right amount of coverage at the right price. It's the only surefire way to receive comprehensive workers' comp coverage and get someone you can trust with all your insurance needs.

Emmaus

Average workers’ compensation premium for popular Emmaus businesses

  • Manufacturing: $2,230
  • Construction: $6,280

The Top Three Hazardous Industries in Emmaus

  • Manufacturing
  • Construction
  • Waste management services

Every workplace has its own unique hazards. But these three industries are the most common and the most dangerous in the area. Just consider the risks on a construction site or at a manufacturing plant. Heavy equipment is just the tip of the iceberg. Consider the differences when you look at workers' comp policies to make sure all your bases are covered.

It's important to receive insurance that you can trust and that provides 360 degrees of protection at a price you can afford. How can you do it? With a Trusted Choice independent insurance agent. You'll receive personalized service and an agent you can trust with your financial and insurance needs.

Darby

Average workers’ compensation premium for popular Darby businesses

  • Food services: $1,350
  • Transportation and warehousing: $6,440

The Top Three Hazardous Industries in Darby

  • Food services
  • Transportation and warehousing
  • Construction

What makes these three industries the most hazardous in the area? While every workplace has its specific dangers, heavy or hot equipment is commonly found in these environments. Because accidents can happen without warning, it's important to consider the impact an accident at a restaurant or on the road could have.

Trusted Choice independent insurance agents are your source for anything related to workers' compensation insurance. Their experience and level of expertise with not only the industry but also the Darby area mean that you'll receive customized insurance that takes all your needs and worries into account.

Lansdowne

Average workers’ compensation premium for popular Lansdowne businesses

  • Manufacturing: $2,230
  • Health care and social assistance: $3,050

The Top Three Hazardous Industries in Lansdowne

  • Manufacturing
  • Health care and social assistance
  • Scientific and technical services

Workers' comp insurance is designed to protect employees and businesses from workplace hazards. That's why we wanted to feature the most hazardous industries in the area — so you can consider them individually and think about why each one needs a significantly greater amount of coverage than, say, retail or insurance.

Your Lansdowne insurance agent will gladly answer your questions in an honest and truthful way so you can receive comprehensive workers' comp coverage for your business. It's important, no matter the industry you're in, so you can feel protected and at ease with the insurance you have in place.

Jefferson Hills

Average workers’ compensation premium for popular Jefferson Hills businesses

  • Manufacturing: $2,230
  • Scientific and technical services: $6,460

The Top Three Hazardous Industries in Jefferson Hills

  • Manufacturing
  • Scientific and technical services
  • Construction

What do manufacturing, scientific services, and construction have in common? A higher number of workplace hazards. These may be the most dangerous industries in the Jefferson Hills area, but that doesn't mean they're the only ones. No matter the workplace, it's important to consider the specific amount of risk while on the job so your business and employees are protected.

A Trusted Choice agent is here to help you with your workers' comp needs. Whether you're a manufacturing plant with big insurance liabilities or a restaurant with smaller needs, we will get you the coverage you need at a price you want. You just have to contact your local agent in Jefferson Hills to get started.

Waynesboro

Average workers’ compensation premium for popular Waynesboro businesses

  • Manufacturing: $2,230
  • Construction: $6,280

The Top Three Hazardous Industries in Waynesboro

  • Manufacturing
  • Construction
  • Transportation and warehousing

You may not know it, but these are the most dangerous workplaces in the Waynesboro area. All three industries present serious risks to their employees, as they deal with heavy equipment . This means workers' comp insurance should be top of mind, since accidents can happen any time.

A Trusted Choice independent insurance agent will walk you through the workers' comp process until you find a policy that is customized, comprehensive and affordable. Since we can show you quotes from numerous carriers, you can choose the policy that meets your needs, wants and desires.

Oil

Average workers’ compensation premium for popular Oil businesses

  • Construction: $6,680
  • Manufacturing: $2,230

The Top Three Hazardous Industries in Oil

  • Construction
  • Manufacturing
  • Food Services

What makes these three industries the most hazardous? They all present unique hazards, especially when it comes to intensive use of heavy  equipment. Because accidents happen on these work sites that can cause serious damage, you need workers' comp protection that will give you more than enough financial and legal coverage.

It's about time you get comprehensive workers' comp coverage for yourself and your employees. A Trusted Choice agent will gladly get you a plan that makes sense for you and your business, a plan that provides ample protection if an accident were to occur at your Oil business.

Berwick

Average workers’ compensation premium for popular Berwick businesses

  • Manufacturing: $2,230
  • Construction: $6,680

The Top Three Hazardous Industries in Berwick

  • Manufacturing
  • Transportation and warehousing
  • Construction

It's fairly obvious that these are are the most dangerous professions in the Berwick area, because they involve the use of heavy equipment. And because these industries present workplace hazards to their employees, workers' compensation insurance is a necessary cost to pay for proper insurance and medical protection.

Finding a comprehensive workers' comp insurance plan doesn't have to be complicated. A local Trusted Choice agent is ready and waiting to share their expertise and get the workers' comp coverage you need at a price you want. Just contact your agent to get started and get some questions answered.

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