Pennsylvania workers compensation law protects employees injured on the job while providing employers with protection from costly lawsuits. If you run a business in Pennsylvania, here’s what you need to know about your coverage requirements and options.
PA Workers Comp Requirements
Pennsylvania requires virtually all employers to carry workers comp insurance. Coverage must be obtained through a licensed insurance carrier, through the State Workers’ Insurance Fund (SWIF), or through approved self-insurance. There is no minimum employee threshold in Pennsylvania — if you have employees, you need coverage.
Pennsylvania State Workers’ Insurance Fund (SWIF)
Like New York’s NYSIF, Pennsylvania has a state-run insurance fund called SWIF. It serves as a market of last resort for employers who can’t get coverage in the private market. However, private carriers often offer more competitive rates for established businesses with clean claims histories.
Workers Comp and Independent Contractors in PA
Pennsylvania applies a multi-factor test to determine whether a worker is an employee or an independent contractor. Simply calling someone a contractor doesn’t make them one. If the Bureau of Workers’ Compensation determines that your contractors are actually employees, you could face back premiums, fines, and liability for uninsured injuries.
Get a Free Pennsylvania Workers Comp Quote
Comp Matters Inc. writes workers comp policies for Pennsylvania businesses across all industries. Call (631) 248-2500 for a free quote from multiple carriers.
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