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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 2019.

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

We've specialized in workers compensation coverage since 2014 and we've 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 Shop.com Icon.

Pennsylvania is not an NCCI state. Any workers' compensation rates listed below for Pennsylvania represent the current insurance rates for 2019. 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 insurance in Pennsylvania. Not all employers will qualify for the lowest rates available or maximum policy credits. Our agency helps businesses find lower rates and the best pricing for they coverage.

Class Code

Low Rate High Rate

0005 Tree Trimming- Pruning- Removal

$8.02 $25.26

0006 Farm- Planting and Harvesting- Cannabis Growers

$2.07 $8.86

0012 Landscaping Service

$3.48 $11.09

0012* Lawn Service and Maintenance

$3.48 $11.09

0108 Breweries- Craft Beers

$1.80 $8.67

0113 Winery- Wine Makers

$1.40 $4.46

0142 Dry Cleaning and Laundry Service

$1.58 $5.04

0441 Machine Shop

$0.76 $2.42

0601 Asphalt & Paving Work

$4.66 $14.85

0608 Concrete Work- Flat Work Cement

$4.60 $14.66

0609 Excavation and Grading Work

$2.81 $8.96

0645 Drywall Contractors

$5.11 $16.29

0648 Trim- Finish Carpenters- Cabinets- Countertops

$4.69 $14.95

0652 Residential Construction- Home Builders- Remodelers- Siding

$6.73 $21.45

0653 Masonry Construction

$5.25 $16.73

0658 Fence Installation & Repair

$6.52 $20.78

0659 Roofing Contractors

$11.36 $36.20

0660 Alarm Installation and Repair

$1.81 $5.77

0661 Electrical Work- Electrician

$2.29 $7.30

0663 Solar Energy Contractors- Installation

$2.69 $8.57

0664 HVAC- Heating and Cooling Service/Repair

$2.64 $8.41

0664* Metal Building Construction

$2.64 $8.41

0665 Painting Contractor

$5.76 $18.36

0668 Ceramic, Tile and Stone Work

$5.68 $18.10

0670 Floor Installers- Wood-Carpet-Laminate

$4.47 $14.25

0674 Pool Installation- Pool Maintenance

$11.54 $3.62

0675 Garage Door Installation

$2.37 $7.55

0808 Package and Parcel Delivery

$2.76 $8.80

0811 Trucking- Short Haul and Long Haul

$4.77 $15.20

0813 Warehousing and Storage Facility

$3.06 $9.75

0815 Auto Service and Repair- Mechanic

$2.15 $6.85

0815* Auto Body Repair

$2.15 $6.85

0817 Non-Emergency Medical Transportation- Taxi- Limousine- Airport Shuttle

$3.71 $11.82

0859 Salvage Yard-Automobile Recycling

$4.29 $13.67

0882 Residential Cleaning Service- Housekeepers

$3.71 $11.82

0884 Fitness Center- Health Clubs- YMCA Programs

$0.72 $2.29

0891 Child Care Center- Daycare Providers

$0.73 $2.33

0896 Social Service Organizations- Counseling- Family Services

$0.88 $2.80

0897 Mobile Food Truck- Food Cart-

$1.04 $3.31

0897* Fast Food Restaurant- Concessions- Doughnut Shop

$1.04 $3.31

0899 Bars-Taverns-Nightclubs

$0.83 $2.65

0917 Gas Stations- Convenient Stores

$1.41 $4.49

0928 Retail Stores- Merchandise- Cannabis Dispensary

$1.33 $4.24

0940 Nursing Homes and Assisted Living Facilities

$2.98 $9.50

0943 Home Healthcare Workers

$2.14 $6.82

0944 Golf Courses and Country Clubs

$1.09 $3.47

0951 Sales Professional

$0.20 $0.64

0953 Clerical- Office Employee.08

$0.08 $0.25

0954 Security Guards- Patrol Officers

$1.41 $4.49

0957 Medical Office- Doctor- Dentist- Chiropractor, Optometrist

$0.27 $0.86

0959 Animal Shelters and Kennels- Veterinarian

$0.99 $3.16

0963 Religious Organization- Church- Temple

$0.28 $0.89

0966 Electrical Equipment Repair and Service

$2.10 $6.69

0969 Shooting Range- Amusement Park

$1.46 $4.65

0971 Property Management- Leasing Agent

$2.50 $7.97

0971* Property Management- Leasing Agent

$2.50 $7.07

0973 Hotels and Motels

$1.98 $6.31

0974 Retirement Living Centers- Congregate Communities

$1.34 $4.27

0974* Nursing Homes and Assisted Living Facilities

$1.34 $4.27

0975 Restaurants- Catering

$0.96 $3.06

0978 Building Maintenance-Campgrounds-Camps-RV Parks

$1.68 $5.35

0992 Septic Tank Cleaning- Portable Toilets

$3.85 $12.27

0995 Refuse Collection- Garbage- Trash Service

$3.68 $11.73

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). Start a quote or get help with out of state workers compensation insurance.

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
717-787-5279
PA Dept. of Labor

Pennsylvania Compensation Rating Bureau

United Plaza Building Ste 1500
30 South 17th Street
Philadelphia, PA 19103-4007
215-568-2371
DCRB/PCRB

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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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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.

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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.

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