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Pennsylvania Workers Comp Rates

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Pennsylvania Workers Comp Rates

Pennsylvania workers' compensation rates continue to be stable in 2018.

In a recent study conducted by the OR Department of Consumer and Business Services, Pennsylvania ranked 17th out of 50 for the most expensive workers comp rates on average. This is down 5 spots compared to a similar report issued in 2016 when Pennsylvania was ranked 12th highest in the country. Pennsylvania work comp rates are approximately 108% compared to the national average.

We've specialized in workers compensation coverage for over 10 years and have built a solid reputation as the premier national online work comp agency. We offer our PA customers access to more work comp markets, knowledgeable agents, and fast customer service from a friendly, professional staff.

Get started on PA workers compensation quotes today and find out if your business qualifies for better workers comp rates with one of our insurance partners.

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PA Rates for Select Work Comp Class Codes Workers Compensation Icon.

Pennsylvania is not an NCCI state. Any workers' compensation rates listed below for Pennsylvania represent the current insurance rates for 2017. Pennsylvania rates are set by the Pennsylvania Rating Bureau. Insurance companies doing business in PA are permitted to offer premium discounts and underwriting credits up to 25% on all workers comp policies. We offer Pay As You Go coverage in Pennsylvania. Not all employers will qualify for the lowest rates available or maximum policy credits.

Class Code

Low Rate High Rate

012 Landscaping

$4.16 $13.26

461 Machine Shop

$2.12 $6.76

608 Concrete Construction

$5.71 $18.20

648 Trim Carpentry

$5.48 $17.46

651 Carpentry Commercial

$6.28 $16.97

652 Carpentry Noc. Residential Construction

$8.28 $26.39

653 Masonry

$6.30 $20.08

658 Door & Window Installation

$7.65 $24.38

660 Alarm Installation

$2.13 $6.79

661 Electrical

$3.02 $9.62

663 Plumbing

$3.49 $11.12

664 HVAC Installation & Repair

$3.28 $10.45

665 Painting

$7.01 $22.34

668 Tile Installation

$5.66 $18.07

670 Flooring

$4.62 $14.72

675 Millwright Work

$3.16 $10.07

811 Short Haul Trucking

$5.83 $18.58

815 Auto Shop

$2.71 $8.64

859 Salvage Yard

$5.52 $17.59

880 Apartment Complex

$4.57 $14.56

897 Restaurant Fast Food

$1.30 $4.14

917 Convenience Store

$1.68 $5.35

928 Retail Store

$1.64 $5.23

940 Group Homes

$3.99 $12.72

942 Home Health Care

$2.60 $8.29

951 Outside Sales Person

$0.25 $0.80

953 Clerical - NOC

$0.12 $0.38

957 Doctors Office

$0.35 $1.12

966 Electrical Equipment Installation

$2.36 $7.52

971 Janitorial Cleaning

$3.08 $9.82

973 Hotel Employees

$2.49 $7.94

975 Restaurant

$1.25 $3.98

Pennsylvania workers comp rates vary by a non-NCCI industrial classification codes and insurance company underwriting standards. Employers' who are assigned an Experience Modification Factor for their business may have additional credits or debits applied to their insurance rates based on prior premiums and workers compensation losses. The State Fund in Pennsylvania is operated by the State Workers Insurance Fund (SWIF).

PA Class Codes and Rates

Workers compensation class codes and rate computations are unique to Pennsylvania since the state is not under the jurisdiction of NCCI- National Council on Compensation Insurance. Instead, the state's entire workers comp system is administered by the Pennsylvania Compensation Rating Bureau. The Bureau is not a government agency, but it is licensed and regulated by the PA Department of Insurance.

All workers compensation class codes and standard rates are determined by the Pennsylvania Compensation Rating Bureau (PCRB) and base rates are established for each class code based on actuarial data analysis of premiums vs. claims. The classifications are only utilized for operations within the state.

Getting the Best Workers Comp Rates in Pennsylvania

Insurance companies doing business in PA are allowed to sub -classify business within the PRCB classification system. This represents a prime reason as to why insurance rates vary so tremendously between carriers selling workers compensation in PA. Additionally, certain credits and debits may be applied to PA workers comp quotes depending on premium size, merit rating, PRCB modifier, and relevant NCCI experience modifiers if any business is conducted outside of the state.

Pennsylvania may be one of the most important states to do a thorough review of your insurance rates and class codes. Employers are advised to shop rates every one to two years to make sure they have the lowest rates available on the market.

NCCI Comparisons with PCRB

While NCCI established four digit classification codes for most states throughout the United States, Pennsylvania and a few other states have created their own distinct system. PA is the only state that utilizes a 3 digit job classification system, making it a challenge for some agents and insurance companies to properly classify PA business.

PCRB currently uses about 350 distinct class codes to distinguish between varies job duties. This represents less than half of the current NCCI classification codes.

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State Resources for Pennsylvania

Pennsylvania Department of Labor and Industry

Room 1700
7th and Forster Streets
Harrisburg, PA 17120
PA Dept. of Labor

Pennsylvania Compensation Rating Bureau

United Plaza Building Ste 1500
30 South 17th Street
Philadelphia, PA 19103-4007

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Pennsylvania workers comp laws require that overtime pay be included in premium calculations to determine annual work comp premium. Employers should be advised that all overtime pay is subject to premium and may be added during the annual comp audit process.

Private insurance coverage in Pennsylvania may be more affordable than State Fund coverage written through SWIF. Contact one of our Specialist to see if we can help your business get a better deal on your next workers' comp policy.

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How to get the lowest rates on workers comp insurance.


We've developed exclusive relationships with our insurance companies to turn-around accurate and bindable workers comp quotes in no time at all.

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We're a national leader in Pay As You Go Workers Compensation. We've developed low price programs to help reduce or eliminate down payments and allow employers to report and pay premium based on their actual wages.

We've negotiated the best deals with many of our insurance companies in order to offer more flexible payment options like 12 equal installment plans and monthly reporting to help improve cash flow for business owners.

Workers Compensation Class Codes
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Tough Class Codes Faster Insurance Quotes

We offer an affordable quote for some of the toughest NCCI class codes and higher experience modifiers because we've partnered with national carriers who specialize in high hazard industries.

Our carriers and underwriters understand that we need to turn wc quotes quickly so our customers can buy coverage when they need it. We often turn quotes in less than 24 hours.

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Learn more about workers compensation insurance in Pennsylvania Work Comp:   Pennsylvania | PA Programs| PA Rates | PA Forms | PA Info | PA Quotes
Workers Compensation Agents Lower Comp Rates in PA.

We've spent over a decade tracking and indexing workers comp rates in Pennsylvania by insurance carrier and class code. Our proprietary system helps our Specialists match your business type and classification codes with insurance companies eager to offer your the most competitive rates.

Give one of our Pennsylvania workers compensation Specialists a call today at 888-611-7467 to see if your business qualifies for lower workers compensation insurance rates.

Pennsylvania Agency License: 559319
National Producer Number: 5064979

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