Are you looking for Pennsylvania Workers’ Compensation insurance? A Workers’ Compensation policy could be vital to your business, whether you employ one person or 1,000 workers. Here at PolicySweet®, we offer client-focused Workers’ Compensation insurance plans to help protect businesses and workers against incurring liability.
PolicySweet specializes in Workers’ Compensation and other business insurance coverages in Pennsylvania. We can provide customized policies to fit the complex needs of small and mid-sized businesses by paying attention to your industry, size, and workforce. If you would like to know how to purchase insurance, don’t hesitate to contact us or request a quote.
What Does Pennsylvania Workers’ Compensation Cover?
When an employee is injured or falls ill on the job, the employer may be on the hook for covering a wide range of costs, from medical bills to lost income. Fortunately, Workers’ Compensation from PolicySweet can cover several benefits for work-related injuries or illnesses. These may include:
If your employees can’t work due to illness or injury, they often lose valuable wages. However, Workers’ Comp could help you pay wages while they recover.
Workers’ Compensation insurance coverage can pay for the immediate medical attention expenses of injured staff. For instance, emergency rides, medications, or medications could be covered for work-related injuries.
Costs Related to Illnesses
In most cases, Workers’ Compensation can cover job-related medical expenses for injured workers. In addition to injuries, coverage may also help with costs for occupational diseases and other illnesses that stem from working conditions.
Rehabilitation & Retraining
Workers’ Compensation can pay for the rehabilitation, retraining, and equipment necessary to help your staff return to work. This can help them get back on the job quickly.
Legal & State Fees
To help avoid penalties or fines from your state, our Workers’ Compensation policy could give you the coverage you need to help safeguard your business from penalties.
Cases Not Covered by Workers’ Compensation in Pennsylvania
Workers’ Compensation is meant to help injured workers in the event of an accident or illness on the job. However, it doesn’t cover every type of injury or incident. Some cases are out of its scope. For example:
- Injuries sustained as a result of an intentional act.
- Injuries due to intoxication or drug use.
- Injuries that occurred outside of work.
- Injuries endured due to an employee breaking the rules or not following safety procedures.
- Deliberate conduct that results in an injury, such as instigating a fight.
Determining Your Workers’ Compensation Insurance Premium
The premium amount for Workers’ Compensation insurance in Pennsylvania varies from one business to the next. It depends on several factors like the industry, the number of employees, the size of your business, and previous claims. The annual gross amount you pay to your employees and your state laws may also influence your premium cost.
Request a Quote for Workers’ Compensation Today
You might need Workers’ Compensation insurance to help ensure that your business can be safe and secure when problems arise.
PolicySweet has simplified the process of finding coverage and providing customers with instant complimentary quotes. You simply answer a few questions about your business to request a free insurance quote. After that, we’ll send you a personalized policy that can meet your specific needs.
Besides Workers’ Compensation, we also offer a BOP or Business Owners Policy, it includes general liability, business property, and cyber-risk protection. Other coverages include HomeHQSM also known as insurance for home-based businesses.
No matter your business needs, you can request a no-obligation quote at your convenience!
Please Note: State-specific information is subject to change at any time. Always consult with your state’s official information and resources for the most accurate information.