PA Workers Comp Calculator
HARDWARE MFG., N.O.C. - TEMPORARY STAFFING
2026 PCRB Loss Cost
The official PCRB loss cost for class code 2445 is $2.006 per $100 of annual payroll, effective April 1, 2026. This is the base pure-loss component before applying your carrier's Loss Cost Multiplier (LCM), Experience Modifier (EMR), expense constant, and PA Act 57 assessment.
Estimated 2026 Premium Examples
Based on typical assumptions: LCM 1.50 · EMR 1.00 · 100/500/100 employer liability limits. Actual premiums will vary by carrier and individual risk factors.
| Annual Payroll | Manual Premium | Total Est. Cost (incl. $350 + PA 2.18%) |
|---|---|---|
| $50,000 | $1,504 | $1,895 |
| $100,000 | $3,009 | $3,432 |
| $250,000 | $7,522 | $8,044 |
| $500,000 | $15,045 | $15,731 |
| $1,000,000 | $30,090 | $31,104 |
* Assumes LCM 1.50 · EMR 1.00 · Exp. constant $350 · PA Act 57 assessment 2.18%
About Class Code 2445: HARDWARE MFG., N.O.C. - TEMPORARY STAFFING
Pennsylvania workers' compensation class code 2445 covers operations classified as HARDWARE MFG., N.O.C. - TEMPORARY STAFFING. It belongs to Hazard Group D, which the PCRB uses to group similar-risk occupations for statistical credibility in ratemaking.
When your workers' comp policy is issued, your insurer assigns a class code to each group of employees based on the work they actually perform. Using the correct class code is critical: under-classification can lead to coverage gaps and audit surcharges; over-classification means you're paying more than required.
With a elevated loss cost of $2.006 per $100 payroll, this classification reflects elevated physical risk — manual labor or environments with meaningful injury potential.
How to Reduce Your Workers' Comp Premium for This Code
Hazard Group D includes moderate-to-elevated risk industries — general construction trades, warehousing, transportation, and industrial services.
- Establish a pre-hire drug testing policy
Studies show that post-injury drug testing and pre-hire screening programs reduce workers' comp claim frequency by 20–40% in Group D operations. Many carriers offer premium credits (typically 2–5%) for documented drug-free workplace programs that meet Pennsylvania requirements. - Separate construction trades accurately — code misassignment is costly
Group D includes a wide range of construction trades with very different loss costs. Carpentry, electrical, plumbing, and roofing all carry distinct codes. Bundling employees under a single trade code — or using a general "construction" code when a specific trade code applies — is a common audit trigger and often results in additional premium charges. - Shop the market at every renewal — Group D sees high LCM variation
Construction and warehousing have many specialty insurance programs. Carriers who specialize in these sectors often offer lower LCMs (1.3–1.5) versus generalist commercial carriers (1.6–1.85). The savings on $1M in payroll at a Group D rate can be $10,000+ per year just from switching to a more competitive carrier. - Use subcontractor certificates to protect yourself from uninsured liability
In Pennsylvania, a general contractor can be held liable for injuries to workers of uninsured subcontractors. For every subcontractor, obtain and verify a current certificate of insurance before work begins. Some carriers provide premium credit for documented subcontractor COI collection programs.
Use the Full Calculator for Code 2445
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