PA Workers Comp Calculator
Pennsylvania security companies face elevated workers' comp costs driven primarily by workplace violence risks. Armed and unarmed guards face different risk profiles, and coverage needs vary by the type of sites guarded.
Security workers face risks from workplace violence, slips and falls during patrols, and motor vehicle accidents for patrol operations. Guards at high-risk sites (entertainment venues, retail, financial institutions) face the highest violence exposure.
2026 Workers' Comp Rates for Security Services 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 |
|---|---|---|---|---|---|---|
| 962 | ACCOUNTING/FINANCIAL AUDIT FIRM | $0.016 | $370 | $382 | $419 | $480 |
* LCM 1.50 · EMR 1.00 · Expense constant $350 · PA Act 57 assessment 2.18%
Common Workers' Comp Risks in Security Services
- ▸ Workplace violence from incidents during guard duties
- ▸ Slips and falls during building patrols
- ▸ Motor vehicle accidents for patrol guards
- ▸ Fatigue from overnight and extended shifts
How to Reduce Your Workers' Comp Cost in Security Services
Industry-specific strategies that lower your premium — not generic advice.
- Implement de-escalation training for all security personnel
- Separate armed from unarmed guard payroll if appropriate
- Maintain vehicle safety policies for patrol operations
- Document all incident and near-miss reports
Calculate Your Security Workers' Comp Premium
Enter your actual payroll, class code, LCM, and EMR for a personalized 2026 estimate.
Frequently Asked Questions — Security Services Workers' Comp in PA
What class code does a security company use in Pennsylvania?
Security guard services typically use Code 962 (Guard services). The rate reflects the elevated violence risk that security workers face. Administrative and dispatch staff should be coded separately to Code 953. Learn more about how PA class codes work.