Understanding the Bare Minimum Standards of Workers Compensation Insurance in Pittsburgh PA

What is the bare minimum for worker’s compensation in Pennsylvania? A small business may want to stick with the bare minimum, but is that really the best way to attract a great employee base? Where does the company rank in the overall scheme of worker’s comp? It might be smart to see where the business rests in this area, and to see if that can be possibly improved with a more favorable plan.

Pennsylvania state law is actually very fair in this area, and certainly better than many other states in the country. Below is a rundown of Workers Compensation Insurance in Pittsburgh PA, and where the middle, median, and best performers are placed.

It is absolutely necessary for all small businesses of a certain size to cover for occupational injuries and illnesses. The industry has no effect on this standard. The cost may be different, but the coverage remains the same. This is so whether running an auto manufacturing plant or in a mattress retail store.

Pennsylvania state law allows for employees to get alternative and self-insured coverage. The coverage still must fit the bare essentials, but it does not necessarily have to be positioned through the employer. This places employer’s in an interesting spot, a spot that many other states do not legally allow. Some employees in the state apply Workers Compensation Insurance in Pittsburgh PA through a private insurance company.

Pennsylvania state law also allows for coverage through a state fund. The state fund is limited, but it is larger than other Northeastern states. Employers can actually write-off expenses related to in-house direct coverage, but that would not apply for employees covered independently, through a private firm or a state-funded entity.

Lastly, Pennsylvania law also mandates that almost all types of employees are covered. This includes domestic servants and agriculture workers. The only type of employee not ensured coverage and necessitating insurance is part-time contract workers or general freelance workers. That is subject to change. A freelancer stationed with one company for a certain amount of hours a week and subsequent months is subject to coverage. Go to depasqualeagency.com to find out how to fit worker’s compensation into a small business. You can also visit them on Facebook for more information.

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