PA Workers Comp Calculator
Central Pennsylvania · County Guide · 2026
Workers Compensation Insurance in Union County, PA
Union County is a central Pennsylvania county home to Bucknell University and a growing manufacturing and healthcare economy. Workers' comp is required for all private employers with at least one employee.
Union County has a population of approximately 45,000. Bucknell University, Evangelical Community Hospital, and various manufacturers are major employers.
Workers' Comp Landscape in Union County
Union County's economy is anchored by Bucknell University and Evangelical Community Hospital, with supporting manufacturing, retail, and professional services. The university's large workforce of faculty, staff, and facilities workers creates substantial workers' comp exposure, while Lewisburg-area manufacturers and healthcare providers round out the county's employer base.
Regional Claim Trend
Healthcare workers at Evangelical Community Hospital and manufacturing production workers account for the most workers' comp claims in Union County. University facilities and maintenance staff also generate claims from equipment-related and slip-and-fall incidents.
PA Workers' Comp Requirements
- ✓ Required for: All Union 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 Union 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 Union County and links to industry-specific rate guides.
How Workers' Comp Rates Work in Union 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.
Union County employers can access Harrisburg- or Williamsport-area markets through regional brokers.
Estimate Your Union County Workers' Comp Premium
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Workers' Comp FAQ — Union County Employers
Union County employers near Lewisburg should compare quotes from both Harrisburg and Williamsport-area brokers — the geographic overlap between these markets creates competition that can meaningfully lower premiums for standard-risk employers.
Does Bucknell University carry workers' comp for its employees?
Yes — Bucknell University as an employer carries workers' comp for its employees. If you're a vendor or contractor working on campus, you must carry your own policy. University contract requirements typically mandate proof of workers' comp before work begins.
How is workers' comp handled for Union County manufacturing employees?
Manufacturing workers are classified by their specific job duties and production processes. A machine operator carries a different class code than a shipping clerk at the same plant. Your broker should review all job functions to ensure accurate classification.
Are part-time employees in Union County covered by workers' comp?
Yes — in Pennsylvania, workers' comp coverage applies to part-time employees the same as full-time employees. The premium is based on actual wages paid, so part-time workers cost proportionally less to cover than full-time workers.
Can a Union County nonprofit organization get workers' comp?
Yes — nonprofit organizations with employees are subject to the same workers' comp requirements as for-profit employers. Many nonprofits qualify for standard market coverage, and some industry associations offer group programs for nonprofits.
Related Pennsylvania Workers Compensation Insurance Guides
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