PA Workers Comp Calculator
Central Pennsylvania · County Guide · 2026
Workers Compensation Insurance in Cameron County, PA
Cameron County is one of Pennsylvania's smallest and most rural counties, with a forestry, hunting, and light manufacturing economy. Workers' comp requirements still apply to all employers with at least one employee.
Cameron County has a population of approximately 4,500 — Pennsylvania's least populous county. The Elk State Forest is the dominant land use.
Workers' Comp Landscape in Cameron County
Cameron County is Pennsylvania's least populated county, with the Elk State Forest covering much of its land area. The economy is almost entirely forestry, timber harvesting, hunting/fishing outfitters, and small retail. Workers' comp exposures are dominated by high-hazard forestry and logging operations, with a secondary service sector catering to hunters and outdoor recreation visitors.
Regional Claim Trend
Cameron County logging and timber operations experience among the highest injury severity of any PA industry — chainsaw lacerations, falling tree struck-by events, and equipment rollovers are documented loss drivers. The remote location of many job sites extends emergency response times, increasing claim severity.
PA Workers' Comp Requirements
- ✓ Required for: All Cameron 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 Cameron 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 Cameron County and links to industry-specific rate guides.
How Workers' Comp Rates Work in Cameron 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.
Forestry and timber employers in Cameron County need specialty class codes for logging and timber operations, which carry high loss costs.
Estimate Your Cameron County Workers' Comp Premium
Enter your class code, payroll, LCM, and EMR for an instant 2026 estimate.
Workers' Comp FAQ — Cameron County Employers
Cameron County logging employers should verify that their workers' comp carrier has experience with forestry risks and does not exclude chainsaw or felling operations — some standard carriers restrict or exclude tree harvesting. Specialty forestry markets are the most appropriate choice, even at higher premiums.
What class codes apply to Cameron County logging operations?
Logging operations typically fall under code 2702 (logging) or 2710 (sawmill), which are among the highest-loss-cost codes in the PA workers' comp system. Proper classification is critical — misclassifying logging workers under lighter codes exposes the employer to claim denial and audit penalties.
Can Cameron County hunting outfitters get standard workers' comp?
Hunting and fishing outfitters can often obtain standard workers' comp for guide and hospitality staff under codes like 9180 (amusement/recreation) or 9102 (country club/golf). However, guides who operate in remote wilderness areas may face carrier restrictions. Discuss your specific operation with a broker specializing in outdoor recreation risks.
Is SWIF an option for Cameron County high-hazard employers?
Yes. SWIF provides coverage to any PA employer who qualifies, including high-hazard forestry and logging operations. For employers who cannot obtain private market coverage, SWIF is the fallback — rates are typically higher than specialty markets, but coverage is guaranteed.
Does PA workers' comp cover injuries that happen on remote forest job sites?
Yes. PA workers' comp covers injuries arising out of and in the course of employment, regardless of location. A logging worker injured in a remote forest is covered the same as an office worker injured at a desk. The remote location may affect medical transport costs but not coverage itself.
Related Pennsylvania Workers Compensation Insurance Guides
Get Workers' Comp Coverage in Cameron County
Connect with a licensed Pennsylvania agent. Free quotes, no obligation.