PA Workers' Comp Calculator

Why We Built This

Workers' compensation insurance is mandatory for nearly every business in Pennsylvania — yet the pricing is notoriously opaque. Class codes, loss costs, LCMs, EMRs: these are actuarial terms that most business owners have never encountered, and insurance companies don't exactly rush to explain them.

We built this tool to change that. Every estimate uses the official 2026 PCRB (Pennsylvania Compensation Rating Bureau) loss costs — the same data that every licensed insurer in Pennsylvania is required to use as their pricing baseline. We apply the complete, published formula: loss cost × LCM × EMR + expense constant + PA Act 57 assessment. No black boxes, no hidden assumptions.

What This Tool Is

• A free, no-registration premium estimator for Pennsylvania workers' comp
• Powered by official PCRB 2026 data (effective April 1, 2026)
• Covers 632 PA class codes including standard, A-Rated, and special schedule codes
• Includes full formula transparency: every line item shown in the results
• Built for speed — no accounts, no ads interrupting your workflow

What This Tool Is Not

• Not an insurance quote. Actual premiums are set by licensed carriers after underwriting review.
• Not legal advice. Requirements and penalties described on this site are informational only.
• Not affiliated with the PCRB or any insurer. We use publicly available PCRB data.

Data Sources

All loss cost data is sourced from the Pennsylvania Compensation Rating Bureau (PCRB) filing effective April 1, 2026. The PCRB is the licensed rating organization for workers' compensation in Pennsylvania, established under Pennsylvania law. Their published loss costs are the foundation for all workers' comp pricing in the state.

Additional constants (expense constant: $350; PA Employer Assessment factor: 2.18%) are sourced from current PCRB and PA Insurance Department publications.

Have a question, found an error, or want to share feedback? Visit our contact page to get in touch.