Workers' Comp Insurance PA by County & City

Pennsylvania workers' compensation rates are set statewide by the PCRB — your class code loss cost is the same in Philadelphia as it is in Warren County. However, your location affects several factors that influence your final premium:

• Carrier availability and LCMs. Some carriers file lower Loss Cost Multipliers for specific regions or industries. A specialty contractor carrier may be very competitive in Pittsburgh but not write in rural north-central PA. Shopping locally matters.
• Industry mix. Urban areas have more healthcare, hospitality, and office employers; rural areas have more agriculture, forestry, and extraction. Your local industry shapes which specialty programs are accessible.
• SWIF availability. The State Workers' Insurance Fund covers any PA employer who cannot find private market coverage — but rural and specialty-risk employers are more likely to need it.
• Agent competition. Major metro areas (Philadelphia, Pittsburgh, Lehigh Valley) have more licensed brokers and greater competition, which benefits employers through more thorough market shopping.

Use our free calculator to estimate your premium with any class code and payroll, then request a free quote from a licensed PA agent.