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Northeast Pennsylvania · County Guide · 2026
Workers Compensation Insurance in Lycoming County, PA
Lycoming County — centered on Williamsport — is a manufacturing, healthcare, and natural gas county in north-central Pennsylvania. Workers' comp is required for all employers with at least one employee.
Lycoming County has a population of approximately 115,000. Lycoming College, UPMC Susquehanna, and various manufacturers are major employers.
Workers' Comp Landscape in Lycoming County
Lycoming County — centered on Williamsport — blends manufacturing heritage with Marcellus Shale natural gas activity and a strong healthcare sector. UPMC Susquehanna is one of the largest employers, while manufacturers in metal goods and industrial equipment operate alongside natural gas drilling and midstream operations.
Regional Claim Trend
Natural gas drilling and pipeline operations in Lycoming County produce high-severity claims including well blowout exposures, high-pressure equipment injuries, and H2S exposure risks. Manufacturing operations contribute machine-related injuries. UPMC Susquehanna and other healthcare facilities generate patient-handling claim volume.
PA Workers' Comp Requirements
- ✓ Required for: All Lycoming 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 Lycoming 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 Lycoming County and links to industry-specific rate guides.
How Workers' Comp Rates Work in Lycoming 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.
Lycoming County natural gas and extraction employers need specialty coverage. Manufacturing employers should shop specialty industrial programs.
Estimate Your Lycoming County Workers' Comp Premium
Enter your class code, payroll, LCM, and EMR for an instant 2026 estimate.
Workers' Comp FAQ — Lycoming County Employers
Lycoming County employers in natural gas operations must ensure their workers' comp policy has no extraction exclusions — some standard commercial policies contain blanket oil and gas exclusions that can leave workers uninsured. Verify your policy language with a specialty energy broker.
What workers' comp class codes apply to natural gas drilling in Lycoming County?
Natural gas drilling employees typically use NCCI code 6204 (gas — natural — drilling). Midstream pipeline workers use different codes. Both carry high loss costs reflecting the hazardous nature of these operations. Standard carriers often will not write these risks.
Are Lycoming County manufacturing employers in competitive workers' comp markets?
Yes. Williamsport-area manufacturing employers can access both standard and specialty industrial markets through regional brokers. Employers with clean loss histories and formal safety programs typically have access to 3–5 competitive quotes.
How does the Marcellus Shale boom affect workers' comp availability in Lycoming County?
Extraction activity concentrates risk in the local market. Some carriers are selective about writing extraction risks in active Marcellus areas. Employers in extraction must seek specialty energy markets rather than assuming standard carriers will provide coverage.
Can Lycoming County employers combine general liability and workers' comp with one carrier?
Many carriers offer package policies combining general liability and workers' comp for qualifying employers. However, extraction and high-hazard manufacturing operations often require separate specialty placements for each line, as the same carrier may not write both.
Related Pennsylvania Workers Compensation Insurance Guides
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