Pennsylvania Workers’ Compensation

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Workers’ Compensation in PA

The state of Pennsylvania, with its Philly cheesesteaks, Declaration of Independence, and 1 million small businesses, is an ideal home for small business owners. In fact, small businesses comprise 99.6 percent of Pennsylvania’s businesses, and more than 46 percent of people who work in the private sector are employed by small business owners.


In Pennsylvania, small business owners who have one or more employees must have an active workers’ compensation insurance policy (sometimes called workman’s comp). Small businesses may also need to carry liability insurance, commercial auto insurance, or other types of insurance depending on the nature and location of the business.


Pie Insurance is proud to provide workers’ compensation in PA.  

Who Needs Pennsylvania Workers’ Compensation Insurance?

Most small businesses in Pennsylvania are required to purchase workers’ comp insurance. Workers’ compensation in PA protects the business from being sued by an employee when an injury or illness happens.

Part-time and full-time employees, as well as family members

Optional for sole proprietors, partners, and corporate officers

Intentional noncompliance is a felony of the third degree

Misclassification of employees as independent contractors is illegal for all commercial and residential construction

We make workers’ comp as easy as pie.

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Pennsylvania Workers’ Comp Laws at a Glance


Noncompliance can result in a fine of $15,000 and up to seven years in jail


Number of days small businesses have to provide proof of coverage


Workplace fatalities that were in private industry

Pennsylvania Survey of Occupational Injuries and Illnesses

Pennsylvania Department of Labor and Industry

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