In Pennsylvania, Workers' Compensation Insurance coverage is mandatory for all employers who have one or more employees, whether they're part-time or full-time. Employees who are also family members must be covered as well.
PA Workers' Comp: Key Details
- For sole proprietors, partners, and corporate officers in PA, being covered by Workers' Comp is optional.
- Workers' Compensation is compulsory for all employments except for…
- Any person who is a licensed real estate salesperson or broker, or a licensed insurance agent who works on a commission-only basis.
- Domestic or casual labor.
- Outworkers (someone who receives articles for at-home cleaning, repair, etc.).
- Farmers with one employee who works fewer than 30 days a year or earns less than $1,200 a year.
- A spouse or a child of the farmer employer under eighteen years of age.
- Members of certain religious sects whose beliefs prohibit insurance benefits (though the sect must make provisions for its members).
- Pennsylvania operates a competitive state fund—the State Workers Insurance Fund (SWIF). You may purchase insurance through the state fund, self-insure, or procure coverage from a private insurer.
For more information about Workers' Comp in Pennsylvania, visit the state's Department of Labor and Industry.