Workers Compensation Insurance

Pennsylvania workers comp costs range from under $0.10 to more than $15.00 per $100 of payroll, depending on job classification, according to the Pennsylvania Compensation Rating Bureau (PCRB). Typical rates: clerical/office (Code 8810) $0.09-$0.50, retail/light commercial $1.00-$3.00, restaurant (full service) $1.50-$3.50, landscaping $2.49-$3.47, trucking (long-haul) $5.00-$7.00, and roofing $10.00-$15.00+. Your final premium also depends on your specific class codes, experience modification factor, and chosen carrier.

Turnaround varies by payroll details, classification codes, and carrier requirements. We will confirm timing after review.

Safety programs and audits can reduce costs.

Class codes determine rate based on job risk.

Some contractors require certificates of coverage.

Seasonal payroll can be reported separately.

Pennsylvania workers comp covers four categories of benefits for injured employees: medical benefits (100% of necessary and reasonable treatment with no deductible or co-pay), wage loss benefits (66.67% of the worker's average weekly wage, subject to the state maximum), specific loss benefits (scheduled lump-sum payments for permanent loss of body parts under PA's statutory loss schedule, such as a hand, eye, or foot), and death benefits (51% of the decedent's average weekly wage to a surviving spouse plus 8% per dependent child). Claims must be reported to the employer within 21 days of the injury to preserve full back-pay eligibility.