Workers' Comp Insurance for Pennsylvania Employers
Workers' compensation rules in Pennsylvania can cost you thousands if you get the classification, audit, or carrier choice wrong. The Workers' Comp Experts are a licensed broker helping Pennsylvania employers shop multi-carrier quotes, survive audits, and protect their experience modification rate. We've helped employers across Pennsylvania's top industries — manufacturing, energy, healthcare, and construction — lower premiums and stay compliant.
Workers' Comp Basics for Pennsylvania Employers
Required for
1+ employees. Coverage is available through any authorized Pennsylvania carrier via our broker network.
Rating bureau
PCRB sets the loss costs and class codes used to calculate your premium.
Last-resort market
State Workers' Insurance Fund. Typically 20-50% more expensive than the voluntary market.
Pennsylvania Industries We Cover
We write workers' comp for employers across Pennsylvania's biggest industries — and specialize in the payroll-swing, classification, and compliance issues each one faces.
- manufacturing
- energy
- healthcare
- construction
Pennsylvania Workers' Comp by Industry
Industry-specific guides with Pennsylvania rules, class codes, and audit traps:
Frequently Asked Questions
Is workers' compensation required in Pennsylvania?
Pennsylvania requires workers' compensation coverage for employers with 1+ employees. Penalties for operating without coverage include fines, stop-work orders, and personal liability for owners if an injury occurs.
Who rates workers' comp policies in Pennsylvania?
PCRB rates policies in Pennsylvania. Your premium is based on payroll, classification codes, and your experience modification factor (E-Mod).
What is Pennsylvania's assigned-risk pool?
State Workers' Insurance Fund is the last-resort market for employers who can't get coverage in the voluntary market. Rates are typically 20-50% higher than the voluntary market, and exiting requires a documented loss-control plan at your next renewal.
Talk to a Pennsylvania-licensed broker
Get a no-pressure review of your current policy, audit exposure, and class codes. We'll tell you exactly what we'd change and why.
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