Workers Compensation Pennsylvania

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Pennsylvania Workers Compensation at a Glance

Requirements for Pennsylvania Workers’ Compensation

Pennsylvania requires nearly all businesses with one or more employees to carry Workers’ Compensation coverage, which provides no-fault protection for work-related injuries or illnesses and helps to protect businesses against work-related injury lawsuits.

Exceptions for Workers’ Compensation in Pennsylvania

Pennsylvania provides several exceptions to its Workers' Compensation requirements, including federal workers, longshoreman, railroad workers, casual workers, and sole proprietors or general partners, among others. Pennsylvania Workers’ Compensation exceptions are more extensive than in some other states.

Inform your employees about your Workers’ Compensation coverage

Pennsylvania requires that employers post a notice in a common and conspicuous area that details the rights of employees covered by Workers’ Compensation. Any work-related injuries or illnesses must be reported to the insurer immediately for businesses covered by Workers’ Compensation.

Avoid penalties related to Pennsylvania Workers’ Compensation

Pennsylvania can impose both civil and criminal penalties upon employers that do not comply with Workers’ Compensation requirements, including felony charges with fines of up to $15,000 and up to seven years imprisonment for each day an employer intentionally violated its Workers' Compensation coverage requirement. Additionally, the employer and individuals responsible to act on the business’s behalf may be required to pay benefits awarded by a Workers' Compensation judge.

Frequently Asked Questions

How does Workers' Compensation work in Pennsylvania?

In Pennsylvania, Workers' Compensation provides protection for both workers and employers in the event of work-related injuries or illnesses. For injured employees, Workers' Compensation helps cover medical costs, including rehabilitation, as well as providing temporary income when a work injury causes an employee to miss work. Employers with coverage are sheltered from liability for these costs and are protected from related lawsuits.

Where can you purchase Pennsylvania Workers' Compensation Insurance?

Pennsylvania employers can obtain Workers' Compensation coverage through an agent or broker, including online portals such as CoverWallet, which can also provide other types of essential coverages for Pennsylvania businesses. Some employers may have the option to self-insure, and coverage is also available through Pennsylvania's State Workers Insurance Fund.

How is Workers' Compensation calculated in Pennsylvania?

When calculating temporary income paid through Workers' Compensation benefits in Pennsylvania, the total of all gross wages from every employer is considered, with the assumption that your disability affects all types of work. Based on gross wages, a percentage is paid to the injured employee ranging from 66% to 90%, up to the maximum weekly limit, which changes annually.

How much does Workers' Compensation pay employees in Pennsylvania?

In Pennsylvania, temporary income provided through Workers' Compensation coverage is offered at a percentage of average weekly earnings which varies depending on the average weekly earnings amount. This percentage ranges from 66% up to 90%, with wage earners at the lower end of the scale being provided a higher percentage of their pay. Pennsylvania utilizes a cap on temporary income which can affect higher-income earners.

What do you need Insurance for Infrastructure Construction?

Businesses in infrastructure construction specialize in constructing and maintaining infrastructure.

Services may include the construction or maintenance of: airport runways, bridges, highways, sidewalks, roads, sewage systems, storage tanks, and sewage treatment plants.

The infrastructure construction business may contain many known and unknown risks which could harm to your business and personal assets. A slip and fall lawsuit alone could cripple your business profits. That is why infrastructure construction businesses need insurance to protect their business and personal assets from all potential risks.

Are You Ready to Get Covered?

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