PA Workers’ Compensation Insurance Rates 2025: What You Need to Know

PA Workers’ Compensation Insurance Rates
By: 
Mordechai Kamenetsky
January 5, 2024
Last Updated: 
May 6, 2025
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Like in all states, Pennsylvania workers' compensation insurance rates are not the same for all businesses. Instead, your rate is influenced by several factors: the industry in which you operate, the size of your payroll, and your claims history. 

In Pennsylvania, the National Council on Compensation Insurance (NCCI) sets a base rate for each industry. Insurance carriers then take that base rate and adjust it to get their unique rate that they will offer businesses.

This rate reflects the risk faced by workers in that industry. So, if your employees are more likely to get injured, you’ll have a higher base rate. 

To illustrate, let's look at the rates per $100 of payroll for these two industries in Pennsylvania:

To help you get a ballpark figure of how much you would pay for workers’ comp insurance, here’s a list of common industries in Pennsylvania, complete with rates from one of our partner carriers. We've also provided sample premiums.

Table of Contents

PA Workers’ Compensation Insurance Rates

Here’s a list of the state's most common industries and the corresponding rates from one of our partner carriers:

Class Code Description Rates per $100 of payroll Annual Premium
0005 Tree Trimming, Pruning, Removal $7.33 $1,833
0006 Farm, Planting and Harvesting, Cannabis Growers $3.05 $763
0012 Landscaping Service $3.73 $933
0108 Breweries, Craft Beers $1.64 $410
0113 Winery, Wine Makers $1.59 $398
0142 Dry Cleaning and Laundry Service $1.73 $433
0441 Machine Shop $0.75 $188
0601 Asphalt & Paving Work $4.22 $1,055
0608 Concrete Work, Flat Work Cement $4.40 $1,100
0609 Excavation and Grading Work $2.71 $678
0645 Drywall Contractors $4.46 $1,115
0648 Trim, Finish Carpenters, Cabinets, Countertops $5.33 $1,333
0652 Residential Construction, Home Builders, Remodelers, Siding $6.69 $1,673
0653 Masonry Construction $6.05 $1,513
0658 Fence Installation & Repair $7.41 $1,853
0659 Roofing Contractors $11.71 $2,928
0660 Alarm Installation and Repair $2.32 $580
0661 Electrical Work, Electrician $2.10 $525
0663 Solar Energy Contractors, Installation $2.64 $660
0664 HVAC, Heating and Cooling Service/Repair $2.68 $670
0665 Painting Contractor $5.97 $1,493
0668 Ceramic, Tile and Stone Work $6.99 $1,748
0670 Floor Installers, Wood-Carpet-Laminate $5.11 $1,278
0674 Pool Installation, Pool Maintenance $5.04 $1,260
0675 Garage Door Installation $2.22 $555
0808 Package and Parcel Delivery $5.17 $1,293
0811 Trucking, Short Haul and Long Haul $4.78 $1,195
0813 Warehousing and Storage Facility $2.64 $660
0815 Auto Service and Repair, Mechanic $1.95 $488
0817 Non-Emergency Medical Transportation, Taxi, Limousine, Airport Shuttle $3.73 $933
0859 Salvage Yard-Automobile Recycling $3.53 $883
0882 Residential Cleaning Service, Housekeepers $3.34 $835
0884 Fitness Center, Health Clubs, YMCA Programs $0.69 $173
0891 Child Care Center, Daycare Providers $0.76 $190
0896 Social Service Organizations, Counseling, Family Services $0.76 $190
0897 Mobile Food Truck, Food Cart- $1.07 $268
0899 Bars, Taverns, Nightclubs $0.79 $198
0917 Gas Stations, Convenient Stores $1.76 $440
0928 Retail Stores, Merchandise, Cannabis Dispensary $1.61 $403
0940 Nursing Homes and Assisted Living Facilities $1.61 $403
0943 Home Healthcare Workers $0.86 $215
0944 Golf Courses and Country Clubs $1.09 $273
0951 Sales Professional $0.19 $48
0953 Clerical, Office Employee $0.07 $18
0954 Security Guards, Patrol Officers $1.27 $318
0957 Medical Office, Doctor, Dentist, Chiropractor, Optometrist $0.27 $68
0959 Animal Shelters and Kennels, Veterinarian $0.95 $238
0963 Religious Organization, Church, Temple $0.25 $63
0966 Electrical Equipment Repair and Service $1.88 $470
0969 Shooting Range, Amusement Park $1.31 $328
0971 Property Management, Leasing Agent $2.41 $603
0973 Hotels and Motels $1.70 $425
0974 Retirement Living Centers, Congregate Communities $1.46 $365
0975 Restaurants, Catering $0.92 $230
0978 Building Maintenance-Campgrounds-Camps-RV Parks $1.89 $473
0992 Septic Tank Cleaning, Portable Toilets $3.29 $823
0995 Refuse Collection, Garbage, Trash Service $4.05 $1,013

*Premiums are estimated based on a hypothetical $25,000 annual payroll.

How can I calculate my Workers’ Comp Premium? 

To calculate an estimate of your workers' compensation premium, use this simple formula: 

(Annual Employee Payroll / $100) x Industry Rate = Your Estimated Premium

How can I calculate my Workers’ Comp Premium? 

Payroll: Calculate your total anticipated gross annual payroll for all employees, divide this number by $100, and then multiply it by your industry rate.

Rate: You can find out your rate by consulting with an agent or referring to the chart provided above.

For example, if you run a restaurant with 3 employees, each earning $28,240 annually, your estimated annual premium calculation would look like this:

Restaurant Industry Rate in Pennsylvania: $1.18

Annual Payroll: $84,720 ($28,240 x 3)

Calculation: ($84,720 / $100) x $1.18 = $1,000 

This example illustrates that a restaurant with a total annual payroll of $84,720 could expect an estimated workers' compensation premium of approximately $1,000. However, remember this is just an estimate. Your actual premium will also include fees and taxes and may be affected by other factors. 

Watch this video to learn more about calculating your workers’ comp rate.  

Watch this video to learn more about calculating your workers’ comp rate.  

What other factors could affect my Premium?

While the formula provides a basic estimate, several factors can influence the final cost of your premium:

Claims History

Claims History: Just like with personal insurance, a history of many claims can lead to higher premiums, while a record with few claims could potentially lower your costs.

Experience Modification (ExMod)

Experience Modification (ExMod): This is a number that adjusts your premium based on your claims history compared to the average in your industry. A lower number can reduce your premium.

Workplace Safety Programs

Workplace Safety Programs: Implementing safety programs can not only reduce the likelihood of workplace injuries but may also qualify you for discounts on your workers' comp

What if I need help calculating my Premium? 

If you prefer a more convenient method, our instant quote tool is here to help. It provides a quick and easy way to get an estimate that considers the specifics of your business. 

For more personalized assistance, our team is ready to answer your questions and provide support. Please contact us at (866) 338-8823. We're dedicated to helping you find the right coverage at a competitive price.

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Note: The rates listed provided above have been provided by one of our partner insurance carriers, were are accurate at the time of publishing and for illustrative purposes only and may not reflect actual current rates for workers' compensation insurance in Pennsylvania at this time. Various factors, such as claim history and business experience can affect the rate as well. Business owners should consult with an insurance agent or the NCCI for accurate and up-to-date rate information.

Note: The information provided in this blog is intended for general informational purposes only and is not a substitute for professional legal or insurance advice. Laws and regulations regarding workers' compensation insurance are complex and vary by state and by specific circumstances. Therefore, readers are encouraged to consult with a qualified legal or insurance professional to obtain advice with respect to any particular issue or problem they might have.

Mordechai Kamenetsky

Mordechai Kamenetsky, co-founder and lead agent of Kickstand, is recognized as an expert in workers' compensation. He is passionate about helping small businesses manage risks and lower their workers' comp costs. In his articles, he educates readers and clients on the intricacies of workers' comp insurance.

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