Protection for Your Business When You Need It Most
Workers’ Compensation insurance protects you and your business interests if an employee gets injured on the job. While laws vary by state, generally speaking, if you own and operate a business, you must have a workers’ compensation insurance policy.
Common Questions We Are Asked About Workers’ Compensation Insurance
What Is Workers’ Compensation Insurance?
Pennsylvania law requires all employers with at least 1 employee, regardless of the number of hours worked, to provide benefits to cover an employee’s medical bills and possible lost wages if an injury is deemed to be work related.
How Is the Rate Calculated for Workers’ Comp Insurance?
The annual premium is based on the number of employees and payroll for each classification.
Which Insurers Do You Work With?
Erie Insurance, Donegal Mutual, Excess Markets, and State Workers Insurance Fund.
How Long Does It Take To Get a Quote Prepared?
Typically within 24 hours.
What Information Do You Need in Order To Prepare a Quote?
Name of business, address, Employer Identification Number (EIN), number of employees, business classification, payroll and claims history.
Is a Subcontractor Required To Carry Workers’ Compensation If He/She Is a Sole Proprietor?
Sole proprietors with no other employees are not required to carry Workers’ Compensation; however, please review the IRS’s definition of an independent contractor vs. an employee.
Are Family Members and Minors Required To Be Covered Under My Business’s Workers’ Compensation Policy?
Yes. Pennsylvania law requires you to carry Workers’ Compensation coverage on any employee, regardless of the number of hours worked or whether the person is a spouse, child, or other family member.
Niche Industries We Serve
We have a track record for getting competitive rates for the following class codes in these industries.
305 Carpentry Shop
311 Cabinet Works
461 Machine Shop
608 Flat Cement Work
651 Carpentry – Commercial
652 Carpentry – Residential
654 Concrete Construction
661 Electrical Wiring in Buildings
664 Heating or Ventilation
667 Paper Hanging
668 Tile Stone Mosaic Work
815 Auto Service Center
897 Fast Food Restaurant
918 Bakery Shop
919 Florist Store
971 Commercial Buildings
If you have questions or would like a FREE quote, please contact us to speak with a licensed Commercial Insurance Specialist. We’re here to help you organize and make the best decisions for your company’s insurance needs!