PA Workers Comp Calculator
CATASTROPHE OTHER THAN TERRORISM
2026 PCRB Loss Cost
The official PCRB loss cost for class code 9741 is $0.010 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 | $8 | $365 |
| $100,000 | $15 | $373 |
| $250,000 | $38 | $396 |
| $500,000 | $75 | $434 |
| $1,000,000 | $150 | $511 |
* Assumes LCM 1.50 · EMR 1.00 · Exp. constant $350 · PA Act 57 assessment 2.18%
About Class Code 9741: CATASTROPHE OTHER THAN TERRORISM
Pennsylvania workers' compensation class code 9741 covers operations classified as CATASTROPHE OTHER THAN TERRORISM.
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 $0.010 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
This class code uses a special schedule or A-rating that does not correspond to a standard PCRB hazard group.
- Obtain multiple carrier quotes — pricing varies significantly for non-standard codes
For A-rated and special schedule codes, each insurer underwrites independently. There is no single published rate, so the spread between the best and worst quote can be 50% or more. Working with a broker who actively shops multiple markets is essential. - Document your operations thoroughly for underwriting submissions
Non-standard codes receive individual underwriting attention. A detailed operations description, safety program documentation, and loss history summary give underwriters the information they need to price your risk favorably rather than loading for unknown factors. - Maintain a strong return-to-work program
Regardless of hazard group, return-to-work programs reduce wage replacement costs — which drive claim severity and, over time, your Experience Modifier. Getting injured workers back to modified duty within a week of injury typically reduces claim costs by 40–60%. - Work with SWIF as a last resort, not a first option
SWIF must insure any Pennsylvania employer who cannot obtain private market coverage, but it is not always competitively priced. For most non-standard codes, a specialty surplus lines carrier will offer better terms than SWIF if you have a reasonable loss history.
Use the Full Calculator for Code 9741
Enter your actual payroll, LCM, EMR, and employer liability limit for a personalized estimate using your specific inputs.
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