Purchasing Workers' Compensation Insurance

if you do employ workers in pennsylvania, you should have wo
if you do are a whole new or begin up business, or are expanding your current business operation out to embrace workers, it's necessary out to are aware that by state law you certainly will be needed out to have workers’ compensation insurance coverage.

typically , workers’ compensation insurance coverage is mandatory for those employers who have more than one workers, whether or not they’re part-time or full-time, together with relations.

coverage ensures medical and wage-loss edges out to workers that are injured throughout the course with the job. employers who thus give coverage are safe against lawsuits filed by injured workers.

there may be four ways a business will obtain workers compensation insurance coverage in pennsylvania :


purchase a policy through an insurance agent or broker. you'll surf for agents out of your space by going to the trusted selection website.


purchase coverage directly from one among the 300+ private sector insurance carriers who write workers compensation policies. the consumer guide out to workers compensation insurance is found inside the pa dept. of insurance web website.


apply for self-insurance standing. massive, financially-healthy employers that are operating for 3 or additional years can be curious about securing bureau of workers compensation approval out to individually self-insure their potential liability. employers might also be eligible for joining a certified cluster self-insurance fund, if one operates covering their kinds of business. for any information on individual or cluster self-insurance, contact the bureaus self-insurance division at 717-783-4476.


obtain insurance coming from the state workers insurance fund ( swif ). most new businesses have problem obtaining workers’ compensation insurance as a result of with the lack of expertise. being a state agency, swif is needed offer coverage out to all businesses, particularly those having problem obtaining coverage from private sector insurers. general info concerning swif is accessible within this website.

rkers compensation insurance -- its the law.