PA Workers Comp Calculator
OFFICE MACHINE SERVICE OR REPAIR
2026 PCRB Loss Cost
The official PCRB loss cost for class code 952 is $0.350 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 | $263 | $626 |
| $100,000 | $525 | $894 |
| $250,000 | $1,313 | $1,699 |
| $500,000 | $2,625 | $3,040 |
| $1,000,000 | $5,250 | $5,722 |
* Assumes LCM 1.50 · EMR 1.00 · Exp. constant $350 · PA Act 57 assessment 2.18%
About Class Code 952: OFFICE MACHINE SERVICE OR REPAIR
Pennsylvania workers' compensation class code 952 covers operations classified as OFFICE MACHINE SERVICE OR REPAIR. It belongs to Hazard Group E, 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 $0.350 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 E covers elevated-risk manual labor — heavy construction, heavy manufacturing, industrial services, and similar operations with significant injury exposure.
- Prioritize near-miss reporting to catch hazards before they cause claims
In Group E operations, the most effective safety programs track near-misses and minor incidents, not just recordable injuries. OSHA data shows that for every serious injury, there are hundreds of near-misses. A near-miss reporting culture identifies and eliminates hazards before they generate the expensive lost-time claims that drive EMR increases. - Explore large-deductible or retrospective rating plans
Group E employers with $2M+ in payroll often have more cost-effective options than guaranteed-cost workers' comp. Retrospective rating or large-deductible plans reward employers who maintain good loss histories with direct savings. If your 3-year loss ratio is below 60%, ask your broker to model both plan types at renewal. - Benchmark your EMR against industry peers
An Experience Modifier above 1.10 for a Group E employer often indicates preventable claim patterns. Request a loss run analysis to identify which claim types and injury locations are driving your mod. Targeted interventions — like additional PPE for a specific task, or ergonomic equipment for a recurring injury type — often produce measurable EMR improvements within 2 policy years. - Verify that machine guarding and lockout/tagout programs are documented
Machinery-related injuries are among the highest-cost claims in Group E operations. Insurers frequently inspect heavy manufacturing and construction sites — documented machine guarding audits, LOTO procedures, and employee training records can be the difference between a standard market approval and a restrictive SWIF or surplus lines placement.
Use the Full Calculator for Code 952
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