Workers Compensation Insurance in Pennsylvania
Serving Lancaster, Reading, Harrisburg & Surrounding Areas
At Blue Marsh Insurance, we help Pennsylvania businesses protect their employees and their bottom line with Workers Compensation Insurance. Whether you operate in Lancaster, Reading, Harrisburg, or anywhere across the state, we make sure you stay compliant with Pennsylvania workers comp laws while keeping your team covered.
What is Workers Compensation Insurance?
Workers compensation insurance provides benefits to employees who are injured or become ill due to their job. In Pennsylvania, this coverage helps pay for:
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Medical care and rehabilitation services
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Lost wages during recovery
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Disability benefits
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Death benefits for dependents
By carrying workers comp insurance, employers not only protect their employees but also protect themselves from costly lawsuits related to workplace accidents.
Do I Need Workers Compensation Insurance in Pennsylvania?
Yes — if you have employees in Pennsylvania, workers compensation insurance is required by law. Even with strong safety measures in place, accidents and injuries can still occur. Workers comp ensures:
- Your employees receive fair and timely benefits
- You remain compliant with Pennsylvania state regulations
- Your business is shielded from financial risks and potential lawsuits
Workers Compensation Insurance Doesn’t Have to Be Confusing
We know that workers compensation insurance can seem overwhelming and confusing. The good news? We are experts at it. Whether you’re shopping for a brand-new policy or reviewing an existing one, our team can help.
You need a workers compensation policy that fits the unique needs of your business and the risks your employees face. We’ll make sure you’re covered in the right way—and at the right price.
Why Blue Marsh Insurance?
At Blue Marsh Insurance, we specialize in helping businesses across Lancaster, Reading, Harrisburg, and surrounding communities find the right workers compensation insurance for their industry and workforce. We understand Pennsylvania’s workers comp laws and will guide you through coverage options tailored to your business.
What’s Covered vs. What’s Not Covered by Workers Compensation Insurance in PA
| Covered by Workers Comp | Not Covered by Workers Comp |
|---|---|
| Medical treatment for job-related injuries or illnesses | Injuries caused intentionally by the employee |
| Lost wages while the employee recovers | Injuries that occur while an employee is under the influence of drugs or alcohol |
| Rehabilitation services and ongoing medical care | Injuries sustained outside of work unrelated to job duties |
| Disability benefits (temporary or permanent) | Independent contractors (unless specifically covered) |
| Death benefits for dependents of a deceased worker | Volunteers or certain exempt employees under PA law |
This quick comparison makes it easier to understand exactly how workers compensation insurance in Pennsylvania protects both employers and employees.
Pennsylvania Workers Compensation Insurance FAQ
How much does workers compensation insurance cost in Pennsylvania?
The cost of workers comp in Pennsylvania depends on your industry, number of employees, and history of workplace injuries. High-risk industries like construction typically pay more, while lower-risk businesses may see lower premiums. At Blue Marsh Insurance, we shop multiple carriers to find the best coverage at the best price.
Who is required to carry workers comp insurance in Pennsylvania?
In Pennsylvania, almost every employer with at least one employee is required to carry workers compensation insurance—even if the employee is part-time. Certain exemptions exist, but the vast majority of businesses must comply.
Are business owners required to have workers comp in PA?
Business owners, partners, and LLC members are not always required to carry workers comp on themselves, but they must cover their employees. Choosing coverage for yourself can still be a smart way to protect your income in case of an injury.
What happens if I don’t have workers compensation insurance in Pennsylvania?
Failing to carry workers comp coverage when required can result in heavy fines, lawsuits, and even criminal charges. It’s not worth the risk—getting insured is the law and protects both you and your employees.
Does workers comp cover remote or off-site employees?
Yes. In Pennsylvania, workers compensation covers employees whether they are injured on your business premises, working remotely, or traveling for work.
Get a Quote Today
If you’re a Pennsylvania business owner looking for workers compensation insurance in Lancaster, Reading, Harrisburg, or nearby areas, Blue Marsh Insurance is here to help. Contact us today to get a personalized quote and keep your employees and your business protected.