Workers Compensation Insurance in Pennsylvania (PA)

Small Business Coverage and Peace of Mind

The story of the Commonwealth of Pennsylvania, which is known as the cradle of the American Revolution, dates back four centuries. The Declaration of Independence was conceived and written in Philadelphia in 1776, and the U.S. Constitution was ratified there in 1787. As the nation expanded westward in the 19th century, Pennsylvania supplied the fuel for America’s explosive industrial growth from the coal mines west of Uniontown to the oil fields around Titusville. By the 20th century, Pittsburgh’s steel workers were producing steel for the greatest railroads, skyscrapers, and auto manufacturers in the world. During World Wars I and II, the state’s steel and aluminum manufacturers provided the muscle behind America’s victories. Some of America’s most popular food manufacturers are from Pennsylvania, including The Hershey Company and H.J. Heinz Company, both of whom have kept Americans well-fed and happy with their iconic products.

Workers’ compensation insurance in Pennsylvania was designed to protect both employees and employers, with workers receiving medical treatment and compensation for lost wages due to work-related injuries. Employers pay for the coverage, and they are protected from employee lawsuits.

In Pennsylvania, employers can buy workers’ compensation insurance through licensed insurance carriers or directly through the state. Some types of small businesses purchasing workers’ compensation insurance in Pennsylvania are auto repair shops, restaurants, hotels, printers, libraries, clothing manufactures, and professional employers like physicians and colleges.

In 2011, Pennsylvania Governor Tom Corbett signed a measure to expand the availability of workers’ compensation coverage to small businesses, including sole proprietors, partners in partnerships and members of limited liability companies. As Corbett stated when he signed the reform bill: “The small business community has waited too long for this reform. I am pleased that we are finally able to provide a crucial segment of our economy with this deserved protection. This law is important progress toward making Pennsylvania the preferred state in which to start or run a business.”1

EMPLOYERS is America’s small business insurance specialist®, and it provides small businesses in Pennsylvania with workers’ compensation insurance that is right for their business. The value added services that EMPLOYERS offers its policyholders such as Loss Control services, PrecisePay®, Anti-Fraud Programs, Managed Care Services, and Premium Audit, make EMPLOYERS a great choice for Pennsylvania businesses.

Pennsylvania Workmans’ Comp Coverage You Need

Interested in learning more about how EMPLOYERS can help your Pennsylvania business? Request a quote for workers’ compensation insurance from EMPLOYERS!

Thousands of small businesses trust EMPLOYERS for providing cost-effective workers’ compensation insurance for over a century. With our competitive pricing, financial stability and dependability, claims service, safety training and risk advisory programs, EMPLOYERS remains focused on keeping America’s small businesses not only working, but working safely.

1. Kevin Harley, “Governor Corbett Signs Workers’ Compensation Reform Bill to Aid Small Businesses,” Department of Labor and Industry, June 30, 2011,