PA Workers Comp Calculator
Central Pennsylvania · County Guide · 2026
Workers Compensation Insurance in Clearfield County, PA
Clearfield County has a manufacturing, coal, and healthcare economy in north-central Pennsylvania. Workers' comp is required for all employers with at least one employee, including the county's remaining mining operations.
Clearfield County has a population of approximately 80,000. Penn Highlands Clearfield and several manufacturers are major employers.
Workers' Comp Landscape in Clearfield County
Clearfield County retains active surface and deep coal mining alongside a diverse manufacturing base that includes plastics, food processing, and metal fabrication. Penn Highlands Clearfield anchors the healthcare sector. The county's workers' comp market has distinct tiers: the high-hazard mining sector requires specialty coverage, while manufacturers and healthcare employers access standard competitive markets.
Regional Claim Trend
Clearfield County coal and extraction operations experience the highest claim severity in the county — falls, equipment entrapment, and respiratory disease are documented occupational risks. Manufacturing workers report hand and back injuries at moderate frequencies. The county's healthcare sector sees musculoskeletal claims from patient handling consistent with other rural PA hospital markets.
PA Workers' Comp Requirements
- ✓ Required for: All Clearfield 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 Clearfield 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 Clearfield County and links to industry-specific rate guides.
How Workers' Comp Rates Work in Clearfield 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.
Mining and extraction employers in Clearfield County need specialty class codes and may require high-hazard carriers.
Estimate Your Clearfield County Workers' Comp Premium
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Workers' Comp FAQ — Clearfield County Employers
Clearfield County mining employers should verify that their workers' comp policy does not contain an exclusion for underground operations or coal dust disease — some standard policies issued to broad manufacturing risks contain exclusions that may not be apparent until a claim is denied. Review policy exclusions annually with a specialty mining broker.
What workers' comp class codes apply to Clearfield County coal miners?
Underground coal miners typically fall under code 1005 (coal mining — underground) or 1016 (coal mining — surface), both of which carry high loss costs reflecting the elevated injury and occupational disease risks. Correctly classifying coal workers is critical — misclassification can result in coverage denials for occupational disease claims.
Does PA workers' comp cover black lung disease for Clearfield County miners?
Pennsylvania workers' comp covers occupational diseases including coal workers' pneumoconiosis (black lung). The claim must establish that the disease is causally related to employment in coal mining. The statute of limitations for occupational disease runs from the date the worker knew or should have known of the disability, not from initial exposure.
Are Clearfield County manufacturing workers covered differently than miners?
Yes. Manufacturers and miners are classified under different PCRB class codes with substantially different loss costs. Manufacturing employees at plastics or food processing facilities are typically covered under moderate-hazard codes, while coal miners are covered under high-hazard extraction codes. Each employee's work location and duties determines the applicable code.
Can Clearfield County employers self-insure their workers' comp?
PA allows large employers to self-insure workers' comp if they meet financial requirements (minimum net worth, posting of security) and are approved by the Bureau of Workers' Compensation. Most small and mid-size Clearfield County employers do not meet the threshold and must use SWIF or a licensed private carrier.
Related Pennsylvania Workers Compensation Insurance Guides
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