As a Pennsylvania employer, you are legally required to carry workers comp insurance. Beyond compliance, this coverage protects your employees — and your business — when accidents happen. Failing to carry coverage could result in costly fines, lawsuits, and damaged reputation.
Workers Comp Requirements
Most Pennsylvania businesses with employees must carry workers compensation insurance. State penalties for non-compliance are strict, and the risks of going without coverage are even greater.
What Workers Comp Covers
Workers comp helps businesses cover:
- Medical expenses for injured workers
- Lost wages during recovery
- Rehabilitation costs
- Death benefits for families
It ensures employees receive the support they need while preventing costly lawsuits against employers.
Common Employer Mistakes
Many employers make costly mistakes such as:
- Assuming part-time workers aren’t covered
- Misclassifying employees as contractors
- Carrying too little coverage for their workforce
Avoiding these errors can save thousands in legal and financial exposure.
