Get a Quote

Pennsylvania Workers' Compensation Insurance

Below we outline Pennsylvania workers’ compensation requirements, rates and where to purchase coverage.

Need coverage now? Low rates & same-day quotes available. Select your industry to get started.

Get My Quote
pennsylvania workers compensation insurance
clock-regular

Lightning Fast Quotes

We’re available when you are – online and on your schedule. In less than 5 minutes, you could be on your way to a work comp quote.

list-ol-solid

Easy Process

Our proprietary online quoting tool makes it easy. Just answer a few simple questions about your business.

piggy-bank-solid

Affordable Rates

As an independent agency, we can shop around our network of carriers, and deliver the best quote to you.

check-circle-regular

Top Insurance Carriers

Every policy backed by leading insurance carriers known for their financial strength and customer service. All our carriers have earned a rating of A or higher by A.M. Best.

award-solid

Trusted by Thousands

Since 2012, WorkCompOne has helped thousands of small businesses get the coverage they need to stay in compliance and protect their employees.

star-regular

Made for You

It's work comp, simplified for small business. Our online platform allows top national carriers to serve all businesses – even those with less than 10 employees.

Workers' Comp PA Regulations

Nearly all Pennsylvania employers must carry workers’ compensation insurance. This means small businesses who have one or more employees must have an active workers’ compensation insurance policy for their current payroll.

State law includes any employees working in Pennsylvania, whether part-time or full-time, and unlike some states, this also includes family members.

What about independent contractors?

As of 2011, the Construction Workplace Misclassification Act (also called Act 72) makes misclassification of employees as independent contractors illegal for all commercial and residential construction in Pennsylvania.

This law also establishes a narrow definition of “independent contractor.” Employee or an independent contractor? See general guidelines here.

Other Exceptions

Pennsylvania has very few exceptions for employers. A business may be exempt from providing coverage if all workers can be described as one of the following:

  • Executive officers.
  • Domestic workers.
  • Federal workers.
  • Sole proprietors.
  • General partners.

To ensure you’re in compliance with state law, talk to an insurance rep familiar with Pennsylvania’s work comp system.

Penalty for Not Having Workers' Compensation Insurance in PA 

Failure to provide proof of workers' comp insurance can expose a small business to legal and financial liability. The employer may need to cover medical expenses out of pocket, an injured employee may be able to sue for negligence, and the state may impose fines or disbar the business from public work contracts.

Penalties for non-compliance in Pennsylvania could result in fines of $2,500 for each day the employer is in violation, and up to one year in prison. Felony convictions could mean a $15,000 fine for each day the employer intentionally violated state workers' comp laws, and up to seven years prison. 

Pennsylvania Workers' Compensation Rates

Changes in the state work comp system have largely centered around premium costs and over-prescribing. State legislature and work comp agencies have been debating how to treat worker injuries while combating rising rates of opioid addiction - a crisis that cost the state nearly $54 billion in 2016.

Most states use the National Council on Compensation Insurance (NCCI) to collect workplace data and set rates. Pennsylvania has its own agency, the Pennsylvania Compensation Rating Bureau, that like NCCI, collects loss, premium and payroll data, and recommends workers’ compensation rates.

According to a report by the Oregon Department of Consumer and Business Services, 2018 PA workers' compensation insurance rates were 17th in the nation. Pennsylvania employers can expect to pay between $1.50 and $1.99 per $100 in payroll. 

The minimum individual payroll for an officer is $1,025 per week, according to the most recent underwriting guidelines issued by the Pennsylvania Compensation Rating Bureau. The maximum officer payroll for workers compensation is $2,550 per week, with a few class code-specific exceptions. 

How Much Work Comp Costs

How much is workers' comp insurance in PA? In short, cost is dictated by the size of the company's workforce and the type of work employees do.

Work comp costs vary based on business size, location, industry and claims history. Rates are set for each class code, or industry. This base rate is multiplied by company payroll, and then other discounts may be applied by an insurance carrier to calculate the final premium. Businesses with premiums of at least $10,000 may receive an Experience Modifier, which alters their premium based on the employer’s loss history.

To reduce premium costs, Pennsylvania small businesses might consider:

  • High deductible plans.
  • A safety committee. If you establish a safety committee, you may be eligible for a 5% discount which can be continued for five years. (Contact the Pennsylvania Department of Labor and Industry for details.)

For more information: 

Pennsylvania Work Comp Resources

How to Buy Small Business Workers’ Compensation Insurance

mouse-pointer-solid

1. Request Coverage

We've made it easy. Answer a few simple questions about your business, employees and payroll. 

file-regular

2. Review Your Quote 

Receive an online quote from one of our top-rated carriers. All rated A or higher by A.M. Best.

shopping-cart-solid

3. Purchase Your Policy

Some policies can be purchased online that same day — for near-instant coverage. 

If you need to purchase workers’ comp insurance in Pennsylvania, you have a few options:

An insurance agent or broker.

Pennsylvania has a private workers’ compensation market. You can purchase a workers' compensation policy from any private insurance carrier or agency that is licensed to write in that state. Get started on a policy with WorkCompOne >>

The state fund.

Pennsylvania also has a state fund that competes with the private market. You can contact the State Workers’ Insurance Fund if you are unable to secure coverage from a private insurance carrier. As a state agency, SWIF is required to provide coverage to any Pennsylvania business. Contact the state fund for up-to-date SWIF rates.

Self-insurance.

Some large, financially healthy businesses may be eligible to self-insure.

To get covered, contact a licensed insurer. You can get a quote within several business days, or as little as a few hours.

Remember: Your workers’ compensation policy is only in effect within Pennsylvania. If your employees travel across state lines to work, make sure you comply with their work comp requirements.

partner-amtrust2-1
partner-cna2
partner-markel-gray
partner-hartford-gray
pie-logo-1-gray2
partner-travelers-gray

Get a Quote Today

Save Up to 20% on Your Work Comp Policy!

Get a Quote

Related Resources

workers comp insurance cost
How Much Does Workers' Compensation Insurance Cost?

Premiums vary based on business size, location, industry and claims history. Find out the average small business work comp premium and how much you might pay.

Learn More

small business workers compensation insurance
What Penn. Employers Need to Know About Workers' Comp

Every company with employees is required by Pennsylvania state law to carry workers’ compensation insurance — and the cost of not doing so is steep.

Learn More

work comp cost calculator
Workers Comp Insurance: How to Avoid Overpaying

To avoid being overcharged on workers’ compensation coverage, it’s critical that your policy include the correct class code. Here's what you need to know.

Learn More

More Small Business Advice