PA Workers Comp Calculator
Pennsylvania childcare workers face unique workers' comp risks — physically lifting children, exposure to childhood illnesses, and the unpredictable nature of working with young children. Workers' comp costs are relatively moderate, but coverage is required for any staff.
Childcare workers face above-average injury rates from musculoskeletal strains from lifting and carrying children, exposure to childhood illnesses, and slips on wet surfaces. The work is physically demanding despite the moderate-hazard classification.
2026 Workers' Comp Rates for Childcare & Daycare in Pennsylvania
Based on 2026 PCRB loss costs · LCM 1.50 · EMR 1.00 · Includes $350 expense constant + PA 2.18% assessment. Actual carrier premiums will vary.
| Class Code | Description | Loss Cost | $50K Payroll | $100K Payroll | $250K Payroll | $500K Payroll |
|---|---|---|---|---|---|---|
| 908 | DOMESTIC - INSIDE - OCCASIONAL | $63.747 | $49,210 | $98,063 | $244,620 | $488,883 |
* LCM 1.50 · EMR 1.00 · Expense constant $350 · PA Act 57 assessment 2.18%
Common Workers' Comp Risks in Childcare & Daycare
- ▸ Musculoskeletal strains from lifting and carrying children
- ▸ Slips on wet surfaces in kitchen and bathroom areas
- ▸ Exposure to childhood illnesses (hepatitis A, RSV, etc.)
- ▸ Bites and scratches from children
How to Reduce Your Workers' Comp Cost in Childcare & Daycare
Industry-specific strategies that lower your premium — not generic advice.
- Train staff on safe child-lifting techniques to prevent back injuries
- Maintain non-slip flooring in wet areas
- Separate administrative and kitchen staff payroll where applicable
Calculate Your Childcare Workers' Comp Premium
Enter your actual payroll, class code, LCM, and EMR for a personalized 2026 estimate.
Frequently Asked Questions — Childcare & Daycare Workers' Comp in PA
What class code does a daycare use in Pennsylvania?
Childcare centers and daycares typically use Code 908 (Day nurseries and child care centers). This code applies to staff who work directly with children. Administrative and kitchen staff may be coded differently depending on the carrier's interpretation. Check our PA class code directory for related codes.