But when it does, you want to make sure you have coverage that can help pay for the consequences of a workplace accident. Having workers’ compensation insurance can also protect your business from becoming the target of a costly lawsuit.
How Does Workers’ Comp Work In PA?
By law, workers’ compensation insurance is mandatory for most employers in PA. It’s best to talk to an agent to find out what the state requires from you. If your business doesn’t have coverage, you risk being liable in lawsuits by employees and from criminal prosecution by the state.
Once your plan is in place, you have a contract between your company and the insurance provider. That way, if an employee is hurt at work, the insurer will cover the costs of medical treatment, lost wages, disability, or death benefits. Plus, the insurer will protect your business if an employee files a lawsuit.
Do I Need Workers’ Comp Insurance If I’m Self-Employed In PA?
While the law does not require workers’ comp insurance if you are self-employed in PA, you may want it depending on your industry and the nature of your job.
If you operate large machinery, lift and carry heavy objects, work in an industry like construction, electrical, or plumbing, or travel frequently for work, a workers’ comp insurance plan for yourself protects you from a variety of risks.
Don’t Put Off Minimizing Your Risk
Whether you’re starting a new business or looking to find new workers’ compensation insurance, our team is ready to assist you. Aside from taking the time to find the right coverage, we can also help you:
- Set up a safety program
- Understand your OSHA compliance requirements
- Work with accident investigation tools
- Find the right workers’ compensation resources
Free Online Workers’ Compensation Quote
Click the link below so we can learn about your business needs and create a free, custom quote. Simply select the type of insurance, answer a few questions about your business, and you’ll get an instant quote online for free.
You may also explore our commercial insurance services to get a better idea of your insurance needs.