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Workers' Compensation Insurance in Pennsylvania | Get Affordable Coverage for Your Business

Protect Your Employees & Your Business with Workers’ Comp in PA

If you own a business in Pennsylvania, workers’ compensation insurance isn’t just important—it’s legally required. Accidents happen, and whether you run a small business, construction company, restaurant, or retail store, ensuring your employees are covered protects both them and your business from unexpected costs. At The Angle Office, we specialize in helping Pennsylvania business owners find affordable workers’ comp insurance that meets state requirements without overpaying.

 

Serving Philadelphia, Allen Town, West Chester, and businesses across PA.

What Is Workers’ Compensation Insurance?

Workers’ compensation insurance provides financial protection if an employee gets injured or sick due to a work-related incident. It helps cover:

Did You Know? In Pennsylvania, even if your employee’s injury was their fault, you are still responsible for covering their medical expenses through workers’ comp.

 

Is Workers’ Compensation Insurance Required in Pennsylvania?

Yes. Pennsylvania law requires all businesses with employees to carry workers’ comp insurance.

Who Needs Coverage?

  • Any business with one or more employees (full-time, part-time, seasonal)
  • Construction companies (contractors, electricians, HVAC, etc.)
  • Restaurants & hospitality businesses (chefs, servers, bartenders)
  • Retail stores & offices (cashiers, sales reps, administrative staff)
  • Healthcare professionals (nurses, dental assistants, home health workers)

 

Failure to carry workers’ comp can result in hefty fines and legal penalties. We can help you get covered fast.

How Much Does Workers’ Compensation Insurance Cost in PA?

Workers’ comp rates depend on several factors, including:

 

  • Industry risk level (Construction = higher risk; Office jobs = lower risk)
  • Number of employees (More employees = higher premiums)
  • Payroll size (Premiums are calculated per $100 of payroll)
  • Claims history (More past claims = higher rates)

 

Average Workers’ Comp Rates in PA by Industry:  Accuracy? Data from Google.

 

  • Construction: $5.00 – $8.50 per $100 of payroll
  • Retail & Restaurants: $1.50 – $3.00 per $100 of payroll
  • Healthcare: $1.00 – $4.50 per $100 of payroll
  • Office Jobs: $0.75 – $1.50 per $100 of payroll

 

Want to know exactly how much workers’ comp will cost your business? Get a free customized quote today.

What Happens If You Don’t Have Workers’ Compensation Insurance?

If you operate a business in Pennsylvania without workers’ comp, you could face:

 

  • Fines of up to $2,500 per day, per employee
  • Lawsuits from injured employees (which can cost thousands in legal fees)
  • Business shutdown orders from the state

 

Avoid the risk. Get workers’ compensation coverage today.

WHY CHOOSE US

Why Choose The Angle Office?

Unlike big-name insurance providers, we’re an independent agency—which means we work for you, not the insurance companies.

Need coverage fast? We can help you get workers’ comp set up in less than 24 hours.

OUR CARRIERS

We're proud to represent great insurance carriers like:

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Home Insurance

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Safeguard your business and secure its future with tailored protection.

Commercial Auto

Drive your business forward with commercial auto coverage.

Frequently Asked Questions (FAQs) About Workers’ Comp in PA

1. What is the penalty for not having workers’ comp in Pennsylvania?

Businesses that fail to carry workers’ compensation insurance can face criminal charges, heavy fines, and business closure orders.

No. Independent contractors typically need their own coverage, but there are exceptions depending on your industry.

Yes. We can help you lower your premium by:

  • Implementing safety programs
  • Classifying employees correctly
  • Reviewing your policy annually

Most claims are processed within 21 days, but complex cases may take longer

It’s easy. Click below, and we’ll compare multiple carriers to find the best rate for you.

Get Your Workers' Comp Quote Today

Don’t leave your business exposed to risk. Get the right workers’ compensation insurance and stay compliant with Pennsylvania law while protecting your employees.