Terra Insurance Services Is Now a Proud Geico Partner! Get a Geico Quote Today!
Terra Insurance Services Is Now a Proud Geico Partner! Get a Geico Quote Today!
If your business has employees in Pennsylvania, state law generally requires workers' compensation coverage. Our local Philadelphia agents help you understand the rules, compare carriers and get covered.
Workers’ compensation (often called “workers’ comp” or “workman’s comp”) is a business insurance policy that helps cover medical bills and lost wages when an employee is injured or becomes ill because of their job. In exchange, it also helps protect the employer from most work-injury lawsuits.
In Pennsylvania, most employers with one or more employees are generally required to carry workers’ compensation coverage under the Pennsylvania Workers’ Compensation Act. There are limited exceptions, and requirements can vary by how workers are classified. Because getting this wrong can be costly, it’s worth talking through your specific situation with a licensed local agent.
Pennsylvania employers are generally required to provide workers’ compensation coverage as soon as they hire their first employee — including many part-time and seasonal workers. Whether specific owners, officers or certain contractors can be excluded depends on your business structure and how the state classifies your workers.
Contractors & trades: General contractors, subcontractors and skilled trades in the Philadelphia area frequently need coverage — and general contractors often need to confirm their subs are covered too.
Retail, office & service: Shops, offices, restaurants and service businesses with staff typically fall under the coverage requirement, even for lower-risk roles.
Growing small businesses: Just hired your first employee? That is usually the moment the requirement applies. We can help you get set up quickly.
Not sure which category you fall into? A short conversation with one of our agents is the fastest way to get a clear answer for your business.
Who is required to have workers’ comp in Pennsylvania? In general, Pennsylvania employers must provide coverage for their employees, typically starting with the first employee they hire. Some owners, officers and certain workers may be able to be excluded depending on business structure. A licensed agent can confirm what applies to you.
What does it cover? A workers’ comp policy generally helps cover medical care for a work-related injury or illness, a portion of lost wages during recovery, disability benefits, and death benefits in the event of a fatal work injury.
How much does it cost? Premiums depend on your industry and job classifications, total payroll and claims history, so costs vary by business. We gather those details and compare carrier options to find competitive coverage.
Who pays for it? The employer pays the workers’ compensation premium. Employees do not contribute to the cost of coverage.
Tell us a little about your business and payroll, and a licensed Philadelphia agent will help you compare coverage options across multiple carriers.
Request a free quote or call us to talk with a local agent about workers’ compensation for your business.
Terra Insurance – your local partner for Pennsylvania business coverage.
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.
Lorem ipsum dolor sit amet, consectetur adipiscing elit.
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.
Lorem ipsum dolor sit amet, consectetur adipiscing elit.
