PA Workers Comp Calculator
CLUB, N.O.C.
2026 PCRB Loss Cost
The official PCRB loss cost for class code 896 is $0.498 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 | $374 | $739 |
| $100,000 | $747 | $1,121 |
| $250,000 | $1,868 | $2,266 |
| $500,000 | $3,735 | $4,174 |
| $1,000,000 | $7,470 | $7,990 |
* Assumes LCM 1.50 · EMR 1.00 · Exp. constant $350 · PA Act 57 assessment 2.18%
About Class Code 896: CLUB, N.O.C.
Pennsylvania workers' compensation class code 896 covers operations classified as CLUB, N.O.C.. It belongs to Hazard Group B, 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 $0.498 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 B includes light commercial and retail operations, professional services with some field work, and low-to-moderate physical activity.
- Audit your employee job descriptions annually
Group B employers often have a mix of office, customer service, and light physical roles. Auditing job descriptions ensures employees are classified at the lowest applicable code — for example, separating a retail manager's clerical duties from floor sales work can reduce premium if the clerical allocation is significant. - Use pay-as-you-go billing to match premium to actual payroll
Many Group B employers have seasonal or variable staffing — retail peaks, project-based service businesses, etc. Pay-as-you-go workers' comp billing ties your premium to actual payroll each pay period, eliminating the overpayment common with lump-sum deposits and reducing end-of-year audit surprises. - Focus loss prevention on slip-and-fall and musculoskeletal claims
The most frequent claims in Group B operations are slips, trips, and overexertion injuries. Proactive floor maintenance, clear walkways, proper lifting technique training, and prompt reporting of hazards are the highest-ROI safety investments for this group. - Request an experience mod review if you have had a clean loss history
Group B employers with 3 or more years of operation and few or no claims often have favorable experience modification factors. If your EMR is above 1.0 and your actual loss history is clean, ask your broker to request a formal review — data entry errors in mod calculations are not uncommon.
Use the Full Calculator for Code 896
Enter your actual payroll, LCM, EMR, and employer liability limit for a personalized estimate using your specific inputs.
Open Premium Calculator →