PA Workers Comp Information
Find the latest news and information about Pennsylvania workers compensation insurance.
It's important for all Pennsylvania employer to know the basic rules and laws associated with workers compensation in Pennsylvania. Generally, all business owners in Pennsylvania who have one or more employee are required to purchase workers compensation insurance. This rule includes part-time employees and family members.
Their are several ways that a business can obtain workers comp coverage in Pennsylvania. The most common method is to purchase private insurance from an independent insurance agency such as Workers Compensation Shop.com. Larger, more financially stable companies may also self-insure their coverage in compliance with the Bureau's Self-Insurance Division. Finally, employers who are unable to find coverage from a private insurance carry may obtain coverage from the State Workers' Insurance Fund (SWIF). Employers may pay higher rates when buying coverage from SWIF.
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About Workers Compensation in Pennsylvania
State Fund Coverage in Pennsylvania
The PA State Workers Insurance Fund (SWIF) is the official State Fund for Pennsylvania. While insurance rates may be higher for coverage under SWIF, employers who are unable to get workers comp quotes from private insurance carriers will be able to purchase a policy from SWIF.
State Workers' Insurance Fund
100 Lackawanna Avenue
PO Box 5100
Scranton, PA 18505-5100
What if I Don't Have Coverage in PA?
The PA Bureau of Workers Compensation actively pursues uninsured employers in the state. If workers compensation insurance is not continuously maintained the Bureau may file charges that result in fines up to $2,500 and up to one year in jail for each day of violation.
If an employee is injured while no coverage is in effect, the employer will be held liable for all costs associated with the claim including medical costs, lost wages, penalties, interest, and fees. Employees may also file suit against the employer for damages in excess to the amounts covered under a workers compensation policy.
Any individual or competitor may seek district attorney approval to file a private criminal complaint against any employer who fails to maintain workers comp coverage when they are legally required to have coverage.
PA Classification Codes
All classification codes in PA are determined by the PA Compensation Rating Bureau. This is not a government agency, but it is licensed and regulated by the Pennsylvania Insurance Department. Each employers' premium is based on its classification code, However, insurance carriers only have to file their rates with the state and, therefore, rates will vary tremendously by insurance company.
Reporting WC Claims Requirements in PA
Employers are required to report all injuries in PA to the insurance company immediately. When an injury causes an employee to miss a day of work, the employer (or insurance carrier) must also submit First Report of Injury electronically with the state within 7 days of the injury. Death claims must be filed within 48 hours..
Requesting Claims History in PA
Employers have a right to their claims information since it directly affects their experience ratting in Pennsylvania. Requests must be made in writing and either mailed or faxed to the PA Bureau of Workers' Compensation:
Records Section, Claims Management Division
Bureau of Workers’ Compensation
1171 S. Cameron St., Room 109
Harrisburg, PA 17104-2501
Fax: 717-783-6365 or 717-783-6366
More Programs and Options
We're always working with our insurance carriers to develop specialized programs for a broad range of industry class codes. Our Target Programs are designed to streamline the underwriting process and help ensure we offer the lowest rates available anywhere.
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Workers Compensation Help?
- What is Workers Compensation?
- The Basics of Workers Comp
- Workers Compensation Q and A?
- Insurance Laws for Work Comp
- Managing Policy Claims
- Getting Work Comp Benefits
- NCCI Classification Codes
- Experience Modifiers and Ratings
- State Fund Coverage
- Workers Compensation Forms
- Handling Workers Comp Audits
- Understanding an Employer Liability Policy
- Excluding Owners and Officers
- Other States Coverage
Pennsylvania Work Comp Information
PA Exclusive Remedy
Pennsylvania law utilizes the Exclusive Remedy doctrine to govern workers compensation. This means that business owners who have workers compensation coverage in place are generally protected from most other suits by injured employees unless their is valid proof of willful negligence.
Let Workers Compensation Shop.com help your business navigate workers comp insurance in Pennsylvania.
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