Workers Comp Rates in Pennsylvania (PA)

Pennsylvania workers comp rates are approximately 22% above the national average. Here's what Pennsylvania business owners need to know about classification and premiums.

Pennsylvania Workers Comp Overview

Pennsylvania has its own rating bureau (PCRB) rather than using NCCI directly. Rates tend to be above average, and the classification system has some PA-specific codes that differ from standard NCCI.

How Pennsylvania Rates Compare

With a state modifier of 1.22x, a business in Pennsylvania paying $10,000 in base premium nationally would pay approximately $12,200 in PA. This makes proper classification even more important in high-rate states like Pennsylvania — every misclassified employee costs more.

The most impactful thing a Pennsylvania business owner can do is ensure that office, clerical, and administrative employees are coded separately from their operational staff. In PA, the difference between a clerical code (8810 at $0.16/$100) and a construction code (5403 at $9.42/$100) is massive — and that gap is amplified by the state modifier.

This guide is for informational purposes only and is not insurance advice. Pennsylvania rates and requirements are subject to change.