PA Workers Comp Calculator
OIL OR GAS PIPELINE OPERATION
2026 PCRB Loss Cost
The official PCRB loss cost for class code 752 is $0.248 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 | $186 | $548 |
| $100,000 | $372 | $738 |
| $250,000 | $930 | $1,308 |
| $500,000 | $1,860 | $2,258 |
| $1,000,000 | $3,720 | $4,159 |
* Assumes LCM 1.50 · EMR 1.00 · Exp. constant $350 · PA Act 57 assessment 2.18%
About Class Code 752: OIL OR GAS PIPELINE OPERATION
Pennsylvania workers' compensation class code 752 covers operations classified as OIL OR GAS PIPELINE OPERATION. It belongs to Hazard Group G, 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 low loss cost of $0.248 per $100 payroll, this classification reflects minimal occupational injury exposure — typically desk-based or low-hazard work.
How to Reduce Your Workers' Comp Premium for This Code
Hazard Group G represents the highest-risk classifications in the PCRB system — underground mining, logging, roofing, demolition, and similar operations with the highest injury rates and costs.
- Work with a specialty broker who places high-hazard extraction and construction risks
Group G operations are often declined by standard commercial carriers. A broker who specializes in high-hazard industries has access to surplus lines markets, specialty programs, and SWIF alternatives that generalist brokers don't. The difference in pricing and coverage terms between a specialty placement and a default SWIF policy can be significant. - Implement a formal incident investigation protocol for every injury
In Group G operations, individual claims can easily exceed $100,000 and dramatically affect your EMR. A formal root-cause investigation for every recorded injury — identifying contributing factors and corrective actions — demonstrates to underwriters that you are actively managing risk, which can influence both market access and pricing. - Explore OSHA or MSHA partnership programs for premium credit eligibility
Some carriers and specialty programs offer premium credits for Group G employers who participate in OSHA's voluntary protection programs (VPP) or have MSHA compliance partnerships. Achieving VPP Star status is a multi-year investment, but it signals safety excellence to underwriters and can unlock lower LCMs and better market access. - Review your policy's exclusions line by line before binding
Group G policies sometimes contain operation-specific exclusions that leave certain activities uncovered. Mining exclusions, height restrictions for roofing work, or equipment type limitations can void coverage for exactly the injuries most likely to occur. Have a qualified attorney or specialist broker review the exclusions section before binding any Group G policy.
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