PA Workers Comp Calculator
Central Pennsylvania · County Guide · 2026
Workers Compensation Insurance in Cambria County, PA
Cambria County — anchored by Johnstown — has a healthcare, manufacturing, and service economy in western-central Pennsylvania. Workers' comp is required for all employers with at least one employee.
Cambria County has a population of approximately 130,000. Conemaugh Health System is the major employer.
Workers' Comp Landscape in Cambria County
Cambria County's economy is anchored by Conemaugh Health System (a major regional employer) and a diversified mix of manufacturing, retail, and service businesses serving the Johnstown metro. The county's post-steel-industry landscape means many facilities are older, with aging infrastructure that can elevate fall and maintenance-related injury risks for construction and industrial employers.
Regional Claim Trend
Cambria County healthcare employers face patient-handling musculoskeletal claims consistent with statewide hospital trends. Manufacturing and construction employers report a mix of hand, back, and fall injuries. The county's older industrial building stock increases the risk of environmental-exposure and slip-and-fall incidents.
PA Workers' Comp Requirements
- ✓ Required for: All Cambria County employers with 1 or more employees
- ✓ Covers: Medical expenses, wage replacement (2/3 AWW), permanent impairment, death benefits
- ✓ Penalty for non-compliance: Criminal misdemeanor + civil penalties up to $2,500/day
- ✓ Insurer of last resort: SWIF (State Workers' Insurance Fund) — cannot deny coverage
Top Industries in Cambria County and Workers' Comp Rates
Workers' comp rates are set statewide by the PCRB based on class code — the same loss costs apply throughout Pennsylvania. Below are the most common industries in Cambria County and links to industry-specific rate guides.
How Workers' Comp Rates Work in Cambria County
Pennsylvania workers' compensation premiums are calculated using the same statewide formula regardless of where your business is located:
× 1.0218 (PA Act 57 assessment)
- PCRB Loss Cost — the actuarial base rate per $100 payroll, set by the PA Compensation Rating Bureau based on statewide claims history for your class code.
- LCM (Loss Cost Multiplier) — each carrier files their own multiplier (typically 1.20–1.80). Shopping carriers is the fastest way to reduce your premium.
- EMR (Experience Modifier) — your individual loss history score. Businesses with few claims have EMRs below 1.00; businesses with high claims pay more.
Cambria County's insurance market may have limited competition for specialty risks. SWIF is available as an insurer of last resort.
Estimate Your Cambria County Workers' Comp Premium
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Workers' Comp FAQ — Cambria County Employers
Cambria County employers in older manufacturing facilities should document their safety inspection schedules — carriers actively writing this market will often provide schedule credits (5–10%) for certified safety programs and regular documented walkthroughs, which are among the fastest ways to reduce premium without changing your underlying risk.
How does workers' comp work for Johnstown healthcare workers?
Healthcare workers in Conemaugh and other Cambria County facilities are covered under their employer's PA workers' comp policy. Patient-handling injuries (back, shoulder) are the most common claim type. Hospitals with formal safe patient handling programs often see lower experience modifiers over time.
Are Cambria County construction contractors required to use SWIF?
No. SWIF is the insurer of last resort, used when private carriers decline coverage. Most Cambria County construction contractors can obtain coverage from private carriers — though high-hazard operations or poor loss history may narrow options. Always try the private market first.
How do workers' comp rates work for Johnstown retail businesses?
Retail employers are typically classified under codes in the 8000s range (e.g., 8017 for store retail, 8010 for hardware stores). These codes carry relatively low loss costs compared to construction or manufacturing. Competitive private market coverage is readily available for clean-loss retail employers in Cambria County.
What is the minimum workers' comp coverage required in Pennsylvania?
PA workers' comp policies do not have a minimum coverage amount in the traditional sense — the policy must meet PA statutory benefit requirements, which are set by law (not by you or your insurer). Employer's Liability coverage (Part Two of the policy) should be at least $100,000/$500,000/$100,000 for most employers, though higher limits are available and often recommended.
Related Pennsylvania Workers Compensation Insurance Guides
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