Workers’ Compensation Insurance
Required protection for your team
Keep Your Team and Business Protected
Coverage for injuries, recovery, and compliance
Workers’ compensation insurance helps cover medical bills, lost wages, and rehabilitation if an employee is injured on the job. In Pennsylvania, this coverage is not optional—it’s required by law for most businesses, including those based in East Norriton and the greater Montgomery County area. Workers’ comp protects both your people and your business, providing essential support when accidents happen. We’ll help you get the right coverage in place, so you’re compliant and confident.
What Workers’ Comp Includes
Coverage for accidents and recovery
Medical Expenses
Pays for doctor visits, surgeries, medications, and ongoing care related to workplace injuries or illnesses.
Lost Wages
Covers a portion of an employee’s income while they’re unable to work due to an on-the-job injury.
Disability Benefits
Provides additional support if an employee is temporarily or permanently disabled because of a work-related incident.
Rehabilitation Costs
Includes physical therapy, occupational therapy, or retraining services needed for recovery and return to work.
Death Benefits
Supports the family of an employee who passes away due to a work-related incident with funeral costs and financial assistance.
Why Your Business Needs It
It’s the law—and the right thing
It’s Legally Required in PA
Pennsylvania law mandates workers’ comp for most employers—even if you only have one part-time employee.
It Prevents Lawsuits
Covered employees generally waive the right to sue for workplace injuries, helping you avoid legal exposure.
It Supports Your Employees
This coverage ensures your team is taken care of when the unexpected happens, boosting morale and trust.
Workers’ Comp FAQs
Common questions from Pennsylvania employers
Who needs workers’ compensation insurance in Pennsylvania?
Almost all employers in Pennsylvania are required to carry workers’ comp—even if you only have one employee or part-time staff. This includes LLCs, corporations, and partnerships. If you’re based in East Norriton, failing to carry proper coverage can result in fines and criminal penalties. We’ll help make sure you meet the requirements and stay protected.
What types of injuries are covered?
Workers’ comp covers injuries and illnesses that occur as a direct result of job duties. That includes slips, falls, machinery accidents, repetitive strain injuries, and occupational illnesses. Whether it’s a construction site injury or an office-related issue like carpal tunnel, this policy helps ensure your employees get care and compensation.
How much does workers’ comp insurance cost in Pennsylvania?
Premiums vary based on industry, payroll size, claims history, and classification codes. Higher-risk industries like construction or manufacturing generally have higher rates. Most small to medium businesses in East Norriton can expect to pay between $500 and $2,000 annually per employee. We’ll provide a quote based on your actual workforce and exposure.
What happens if I don’t have workers’ comp?
Not carrying workers’ comp in Pennsylvania is a serious offense. You could face fines, criminal charges, and even business closure. Beyond penalties, it leaves your employees vulnerable and your business financially exposed. Our goal is to help you stay compliant and fully covered—without overpaying.
Does this coverage apply to remote workers?
Yes, workers’ comp can still apply to remote employees if their injury is work-related and occurred during the scope of their job duties. If someone working from home injures themselves while performing a job function, a claim may be valid. We’ll review your team structure and ensure your policy is tailored accordingly.
