PA Workers Comp Calculator
ELECTRICAL WIRING IN BUILDINGS
2026 PCRB Loss Cost
The official PCRB loss cost for class code 661 is $1.358 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 | $1,019 | $1,398 |
| $100,000 | $2,037 | $2,439 |
| $250,000 | $5,093 | $5,561 |
| $500,000 | $10,185 | $10,765 |
| $1,000,000 | $20,370 | $21,172 |
* Assumes LCM 1.50 · EMR 1.00 · Exp. constant $350 · PA Act 57 assessment 2.18%
About Class Code 661: ELECTRICAL WIRING IN BUILDINGS
Pennsylvania workers' compensation class code 661 covers operations classified as ELECTRICAL WIRING IN BUILDINGS. It belongs to Hazard Group F, 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 moderate loss cost of $1.358 per $100 payroll, this classification reflects moderate occupational exposure — some physical activity but limited severe-injury risk.
How to Reduce Your Workers' Comp Premium for This Code
Hazard Group F covers high-hazard operations — steel fabrication, foundries, heavy industrial processes, and similar environments with high injury frequency and severity.
- Engage a dedicated loss control consultant annually
Group F operations generate both high-frequency and high-severity claims. The ROI on a professional loss control engagement — typically $3,000–$8,000 — is almost always positive because even a modest reduction in claim frequency at Group F loss cost rates translates to significant premium savings at renewal. - Manage open claims aggressively with a nurse case manager
In high-hazard operations, the severity of open claims is the biggest driver of EMR increases. Assigning a nurse case manager to all lost-time claims within 72 hours — to coordinate medical care, advocate for return-to-work, and prevent claims from lingering open — is one of the highest-ROI claim management strategies for Group F employers. - Consider captive insurance or group self-insurance if you meet the financial thresholds
Pennsylvania allows large employers and groups to self-insure workers' comp if they meet financial requirements. Group F employers who have invested in safety and have favorable loss histories often find captive or group self-insurance programs — where they retain underwriting profit — more cost-effective than guaranteed-cost policies that pool them with worse performers. - Document every safety investment for insurer underwriting submissions
Group F risks receive individual underwriting attention. Carriers price Group F accounts based heavily on the quality of your safety program documentation. A comprehensive safety submission — including OSHA 300 logs, safety training records, incident investigation reports, and loss control program descriptions — can be the difference between a favorable LCM and a restricted placement.
Use the Full Calculator for Code 661
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