Pennsylvania Workers' Comp Insurance for General Contractors & Trades (with employees)

Pennsylvania requires coverage from any employer with at least one employee who could be injured or develop an occupational disease while working in the state; there is no minimum headcount exemption. Coverage generally applies from the first hire, whether the worker is full-time, part-time, or seasonal. See the Department of Labor & Industry's compliance guidance.

Common codes for this work include 5606 Construction Executive / Supervisor; 5403 General / Commercial Carpentry; 5645 Residential Carpentry (Detached Homes); 5610 Construction Cleanup / Debris Removal; 5022 Masonry Contractor; 5221 Concrete Flatwork Contractor; 6400 Fence Installation Contractor. Pennsylvania maintains its own classification system (PCRB) rather than NCCI codes. The codes below are NCCI reference codes; your Pennsylvania classification may carry a different number, and we match it during quoting.

Sole proprietors and general partners are automatically excluded from the coverage requirement on themselves. Executive officers can request exclusion if they meet ownership tests: unpaid, voluntary officers of a nonprofit; S-corp officers with an ownership interest as defined under the state's Tax Reform Code; or C-corp officers who hold at least a 5% ownership interest. An eligible officer requests exclusion by filing Form LIBC-509 with the required declaration (LIBC-513); until that's on file, the officer is treated as covered. LLC members generally fall under the same 'any employer with employees' standard, so it's worth confirming their status directly with an agent or the Bureau.

Failing to carry required coverage can bring fines up to $2,500 and up to one year in prison for each day the employer goes without coverage, with each day treated as a separate offense; violations are generally prosecuted as a misdemeanor but can be charged as a felony where the failure is intentional. An uninsured employer also loses the liability protections the Workers' Compensation Act normally provides, exposing it to a direct personal injury lawsuit from an injured worker.

Price is driven by payroll in each class code, the Pennsylvania rates filed for those codes, your claims history (experience modification), and underwriting factors such as the specific trade mix performed in-house versus subcontracted out; total payroll split between supervisory staff and hands-on crew; whether work is residential, light commercial, or larger commercial jobs. We compare carriers so you can see what you qualify for.

Complete one application and we compare up to 10 carriers in minutes, with the option to purchase online. A Live Certificate is included with your coverage, so proof of coverage is always live and shareable by text or email in seconds.

Most general contractors report payroll under several codes at once — one for supervisory staff, and separate codes for any framing, masonry, concrete, or other trade work performed with their own crews rather than subcontracted out.

An uninsured subcontractor's injured worker can potentially pursue the general contractor as a statutory employer, which is why collecting and tracking a current certificate of insurance from every sub before they start work is standard practice on a jobsite.

No. This coverage is written for contractors with W-2 employees on payroll; owner-only certificate ('ghost') policies are not offered.

Yes. Pennsylvania has no minimum headcount exemption, so coverage is generally required as soon as a business has its first employee.

Sole proprietors and general partners are automatically excluded. Executive officers who meet specific ownership criteria can request exclusion by filing Form LIBC-509, but they're treated as covered until that's on file.