PA Workers Comp Calculator
CITY, TOWNSHIP, BOROUGH - TEMPORARY STAFFING
2026 PCRB Loss Cost
The official PCRB loss cost for class code 2980 is $3.963 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 | $2,972 | $3,395 |
| $100,000 | $5,945 | $6,432 |
| $250,000 | $14,861 | $15,543 |
| $500,000 | $29,723 | $30,728 |
| $1,000,000 | $59,445 | $61,099 |
* Assumes LCM 1.50 · EMR 1.00 · Exp. constant $350 · PA Act 57 assessment 2.18%
About Class Code 2980: CITY, TOWNSHIP, BOROUGH - TEMPORARY STAFFING
Pennsylvania workers' compensation class code 2980 covers operations classified as CITY, TOWNSHIP, BOROUGH - TEMPORARY STAFFING. It belongs to Hazard Group C, 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 $3.963 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 C covers moderate-risk operations — healthcare, light manufacturing, food service, and similar employers where physical work creates meaningful but manageable injury potential.
- Implement a structured return-to-work program
For Group C employers — especially healthcare and food service — a formal return-to-work program is one of the highest-impact cost controls available. Getting injured workers back to modified duty within 3–5 days of injury can cut wage replacement costs by 50% or more, directly improving your Experience Modifier at the next renewal. - Train supervisors on first-report-of-injury protocols
In Group C operations, the difference between a medical-only claim (which counts only 30% toward your EMR) and a lost-time claim (which counts 100%) often comes down to how quickly the injury is reported and managed. Supervisors who file injury reports same-day and connect workers with medical care immediately prevent small injuries from becoming expensive claims. - Shop specialty programs for your industry sector
Group C industries — particularly healthcare and restaurants — have specialty insurance programs built around their specific risk profiles. These programs often include loss control support, preferred rates, and claim advocacy services that generic commercial policies don't provide. Ask your broker specifically about programs for your NAICS code. - Consider a high-deductible plan if your loss history is favorable
Group C employers with consistent low-loss histories and payrolls above $500K may benefit from a large-deductible workers' comp plan. By retaining the first $25K–$100K per claim, you pay lower guaranteed premiums and benefit directly from your good safety performance instead of subsidizing worse-performing competitors in a guaranteed-cost pool.
Use the Full Calculator for Code 2980
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