PA Workers Comp Calculator
Northeast Pennsylvania · County Guide · 2026
Workers Compensation Insurance in Susquehanna County, PA
Susquehanna County is a rural northeast Pennsylvania county with natural gas, agricultural, and healthcare employers. Workers' comp is required for all employers with at least one employee.
Susquehanna County has a population of approximately 42,000. Marcellus Shale natural gas development has significantly impacted the county's economy.
Workers' Comp Landscape in Susquehanna County
Susquehanna County sits atop the Marcellus Shale formation and has been one of the most active natural gas drilling counties in Pennsylvania. Beyond extraction, the county's economy includes dairy and crop agriculture, small manufacturing, and rural healthcare — each with distinct workers' comp exposures and class codes.
Regional Claim Trend
Natural gas drilling and pipeline construction drive the most severe claims in Susquehanna County, including equipment crush injuries, fall hazards on elevated drilling platforms, and struck-by incidents. Dairy farm operations also generate a meaningful number of animal-handling and tractor-related injuries.
PA Workers' Comp Requirements
- ✓ Required for: All Susquehanna 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 Susquehanna 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 Susquehanna County and links to industry-specific rate guides.
How Workers' Comp Rates Work in Susquehanna 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.
Susquehanna County's natural gas extraction employers need specialty coverage. Standard markets may not write upstream operations.
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Workers' Comp FAQ — Susquehanna County Employers
Susquehanna County natural gas contractors should verify that their coverage explicitly includes upstream drilling operations — some broad commercial policies exclude extraction work, leaving a dangerous gap that only surfaces when a claim is filed.
What class code applies to natural gas drilling in Susquehanna County?
Oil and gas well drilling uses class code 6233. It carries high rates due to the significant injury hazards involved. Pipeline construction uses code 6306. Getting the right code applied is critical because misclassification can void coverage.
Do natural gas royalty landowners in Susquehanna County need workers' comp?
Landowners who only receive royalties and don't employ workers generally don't need workers' comp. However, if you hire workers to maintain well access roads, conduct inspections, or perform other tasks, those employees must be covered.
How does workers' comp work for dairy farmers in Susquehanna County?
Pennsylvania exempts most family farm operations from mandatory workers' comp requirements, but dairy farms employing non-family workers should strongly consider coverage. Agricultural class codes like 0050 (dairy farming) are available through standard and specialty markets.
Are out-of-state gas drilling contractors working in Susquehanna County required to carry PA workers' comp?
Yes — any employer with employees working in Pennsylvania must carry PA workers' comp coverage, even if the employer is headquartered in another state. The policy must cover Pennsylvania under the 'Other States' endorsement at minimum.
Related Pennsylvania Workers Compensation Insurance Guides
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