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Pennsylvania's Workers' Compensation Insurance Law

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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.

Workers' Comp Insurance: Further Reading

See Workers' Comp Laws Where You Live