By Pennsylvania law, Workers’ Compensation insurance is required for any business that has employees, because employers are liable for paying income benefits as well as medical, rehabilitation, or other associated expenses when there is a work-related accidental injury or death. Workers’ Compensation provides coverage to help employers pay these expenses, as well as costs related to illnesses specific to an employee’s occupation.
Although the proprietor of a solo operation is not required to have Workers’ Compensation insurance, it is required for any business with at least one employee—even if the employees are all members of the owner’s family.
In Pennsylvania, businesses have over 300 state-authorized insurance carriers to choose from for Workers’ Compensation coverage. Especially for a small business or a proprietor who is new to owning a business with employees, assessing this many options can feel daunting.
But you can relax, knowing that your Collens-Wagner specialists can help you make sense of all the options. Our team has specific expertise in helping companies of varying sizes and industries here in greater York make smart Workers’ Compensation insurance choices—giving them peace of mind from knowing they are protected as they face the risks and realities of workplace injuries and occupational illnesses.