Business Insurance / Workers' Compensation
Workers' Compensation Insurance in Pennsylvania
Workers' compensation covers your own employees when they are hurt at work. Pennsylvania generally requires it from the first employee, with limited exceptions, and the two things that decide what you pay are your payroll and your class code. Both are worth getting right, because both are checked at audit.
What It Covers
The parts of the policy, in plain terms.
Medical treatment
Care for a work-related injury or illness, without the employee going through their own health plan.
Wage replacement
A portion of lost wages while an injured employee cannot work.
Employers liability
The part that responds when an injury turns into a suit against you rather than a straightforward claim.
Class codes
Your rate is driven by what your people actually do. A wrong class code is expensive in both directions, and it is the most common thing we find wrong on a policy written elsewhere.
Payroll audits
Premium is set on estimated payroll and trued up at the end. If you grew, the difference gets billed. Knowing that in October beats discovering it in December.
Subcontractor exposure
An uninsured sub can end up on your audit as if they were your payroll. Collecting their certificates is not paperwork for its own sake.
How it plays out
A helper you brought on in April slips off a ladder in July and is out for six weeks. Workers' compensation handles the medical care and part of the lost wages. Your general liability policy does not, because he works for you.
Placed with
- Next Insurance
- Travelers
- Utica First
Frequently Asked Questions
Workers' Compensation questions we get.
Do I need workers' compensation if it is just me?
Why did I get a bill after my policy ended?
My subcontractor says he is covered. Is that enough?
What is a ghost policy?
What Clients Say
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Dave is an amazing agent, and Kim is great too. They both worked very hard to get me the best rates. I felt they had my best interest at heart, not just what was good for them.
I just finished buying a house. My previous agent couldn’t find coverage for it. My realtor told me that “Dave always has an answer for her problems.” She couldn’t have been more right.
I highly recommend David Bartal. David took the time to listen to my circumstances and worked efficiently to get me quotes quickly. Within minutes, I had both my vehicles insured at a price I could actually afford. A very happy and satisfied customer.
Also worth a look
Other coverage we write.
General Liability
The third-party coverage every contract, landlord and city licence asks you to carry.
Commercial Insurance
General liability, property, commercial auto and BOPs, sized to how the business actually runs.
Vacant Building
For a building sitting empty, where a standard property policy quietly stops working.
Let's get you a real number.
Tell us what you're insuring and David will shop it across our carriers. No obligation, and no pressure if your current policy turns out to be the better deal.
Independent agency / 10 carriers on file