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Claim Examples

Back Injury

An employee injures his back while carrying drywall at a job site.

Car Accident

A delivery driver is injured in an accident while he is driving to a customer’s location.

Food Prep

A chef cuts his hand with a knife while preparing a meal.

OSHA Safety

While walking in a manufacturing plant, metal shavings from a production machine injured a worker’s eye.

Protect Your Employees

Your employees are your most valuable asset.  Workers’ Compensation insurance protects your employees when they are injured in the course of their employment.  All medical expenses related to their injuries are covered. In addition, if your injured employee is unable to work, lost wages are paid by this policy.

Workers’ compensation insurance is governed at the state level.  The PA Compensation Rating Bureau (PCRB) is the rating authority for Pennsylvania.

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Workers' Compensation Premium Calculation

Workers’ compensation premiums are calculated according to how employees are classified (specific tasks they perform) and the rate assigned to each employee classification.  The premium rate is expressed as dollars and cents per $100 of payroll for each classification. The higher the hazard class the higher the rate. For example, a construction worker rate is much higher than a warehouse worker rate.  A retail store employee rate is much lower than a trucking rate. Businesses who are committed to loss prevention and safety can lower their workers’ compensation premiums and in some cases the reduction can be significant.

We have the expertise to help you reduce your claims frequency and severity which ultimately lowers your workers’ compensation premium. We can assist with the development of a formal safety and loss prevention program. We can work with you to lower your experience modification factor which will lower your workers’ compensation premium. If your workers’ compensation premium exceeds $200,000, we can offer retrospective rating plans for your review and consideration.

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