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

PA Workers’ Compensation Insurance Rates
Mordechai Kamenetsky
Last Updated: 
January 5, 2024

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.

PA Workers’ Compensation Insurance Rates
Class Code Description Rates per $100 of payroll Annual Premium
0005 Tree Trimming, Pruning, Removal $8.27 $2,067.50
0006 Farm, Planting and Harvesting, Cannabis Growers $3.70 $925.00
0012 Landscaping Service $3.92 $980.00
0108 Breweries, Craft Beers $1.97 $492.50
0113 Winery, Wine Makers $1.68 $420.00
0142 Dry Cleaning and Laundry Service $1.89 $472.50
0441 Machine Shop $0.85 $212.50
0601 Asphalt & Paving Work $4.77 $1,192.50
0608 Concrete Work, Flat Work Cement $5.24 $1,310.00
0609 Excavation and Grading Work $3.23 $807.50
0645 Drywall Contractors $5.23 $1,307.50
0648 Trim, Finish Carpenters, Cabinets, Countertops $6.11 $1,527.50
0652 Residential Construction, Home Builders, Remodelers, Siding $7.64 $1,910.00
0653 Masonry Construction $6.66 $1,665.00
0658 Fence Installation & Repair $8.31 $2,077.50
0659 Roofing Contractors $13.63 $3,407.50
0660 Alarm Installation and Repair $2.61 $652.50
0661 Electrical Work, Electrician $2.52 $630.00
0663 Solar Energy Contractors, Installation $3.26 $815.00
0664 HVAC, Heating and Cooling Service/Repair $3.17 $792.50
0665 Painting Contractor $7.05 $1,762.50
0668 Ceramic, Tile and Stone Work $7.70 $1,925.00
0670 Floor Installers, Wood-Carpet-Laminate $6.09 $1,522.50
0674 Pool Installation, Pool Maintenance $5.30 $1,325.00
0675 Garage Door Installation $2.65 $662.50
0808 Package and Parcel Delivery $4.71 $1,177.50
0811 Trucking, Short Haul and Long Haul $5.62 $1,405.00
0813 Warehousing and Storage Facility $3.37 $842.50
0815 Auto Service and Repair, Mechanic $2.41 $602.50
0817 Non-Emergency Medical Transportation, Taxi, Limousine, Airport Shuttle $4.35 $1,087.50
0859 Salvage Yard-Automobile Recycling $4.63 $1,157.50
0882 Residential Cleaning Service, Housekeepers $4.31 $1,077.50
0884 Fitness Center, Health Clubs, YMCA Programs $0.82 $205.00
0891 Child Care Center, Daycare Providers $0.92 $230.00
0896 Social Service Organizations, Counseling, Family Services $0.97 $242.50
0897 Mobile Food Truck, Food Cart- $1.13 $282.50
0899 Bars, Taverns, Nightclubs $0.91 $227.50
0917 Gas Stations, Convenient Stores $1.98 $495.00
0928 Retail Stores, Merchandise, Cannabis Dispensary $1.74 $435.00
0940 Nursing Homes and Assisted Living Facilities $2.26 $565.00
0943 Home Healthcare Workers $1.34 $335.00
0944 Golf Courses and Country Clubs $1.18 $295.00
0951 Sales Professional $0.22 $55.00
0953 Clerical, Office Employee $0.09 $22.50
0954 Security Guards, Patrol Officers $1.48 $370.00
0957 Medical Office, Doctor, Dentist, Chiropractor, Optometrist $0.31 $77.50
0959 Animal Shelters and Kennels, Veterinarian $1.16 $290.00
0963 Religious Organization, Church, Temple $0.30 $75.00
0966 Electrical Equipment Repair and Service $2.32 $580.00
0969 Shooting Range, Amusement Park $1.64 $410.00
0971 Property Management, Leasing Agent $3.04 $760.00
0973 Hotels and Motels $2.06 $515.00
0974 Retirement Living Centers, Congregate Communities $1.59 $397.50
0975 Restaurants, Catering 1.18 $295.00
0978 Building Maintenance-Campgrounds-Camps-RV Parks $2.24 $560.00
0992 Septic Tank Cleaning, Portable Toilets $4.11 $1,027.50
0995 Refuse Collection, Garbage, Trash Service $4.53 $1,132.50

*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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