Workers compensation rate filings in Pennsylvania (2026)
Every carrier writing workers compensation coverage in Pennsylvania files its rates and rating rules with the state's insurance regulator — the primary-source records behind every workers compensation quote in Pennsylvania. This page tracks the 11 active workers compensation filing(s) on record for Pennsylvania, filed by 1 distinct carrier(s).
Workers compensation rate filings in Pennsylvania are reviewed by the Pennsylvania Insurance Department. The governing authority is 40 Pa. C.S.A. §901 et seq.. You can confirm any Pennsylvania carrier or agent is licensed with the state's license-lookup tool. A workers compensation premium in Pennsylvania is built from each carrier's filed base rates and rating rules applied to your business's exposure — the classification of your operation and the rating basis for this line. Because every carrier files its own rates and loadings, two Pennsylvania businesses with the same profile can be quoted very different workers compensation premiums, which is exactly why comparing multiple carriers is the only reliable way to see where you land.
Carriers with workers compensation filings on record in Pennsylvania include Pennsylvania Compensation Rating Bureau (PCRB). These are filings on record — Pennsylvania's public system reports the carrier, line, and effective date but not the rate-change magnitude for every row. Where a base rate is filed, values run from $0.05 to $4.25 on the filed rating basis. The most-recent workers compensation filing we track for Pennsylvania is effective April 2026. Every row below cites its filing reference so the Pennsylvania regulator record can be verified.
Recent rate-filing activity — 8 state filings across 1 commercial line
Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting commercial operations, each cited to the regulator or bureau filing it came from.
| Line | State | Overall change | Effective | Filing |
|---|---|---|---|---|
| WC | PA | -1.22% overall collectible loss cost decrease | Apr 1, 2026 | Filing #PA-INS-PCRB-C-387 |
| WC | PA | per $100 payroll (PA manual loss cost) | Apr 1, 2026 | Filing #PCRB-C-387 |
| WC | PA | per $100 payroll (PA manual loss cost) | Apr 1, 2026 | Filing #PCRB-C-387 |
| WC | PA | per $100 payroll (PA manual loss cost) | Apr 1, 2026 | Filing #PCRB-C-387 |
| WC | PA | per $100 payroll (PA manual loss cost) | Apr 1, 2026 | Filing #PCRB-C-387 |
| WC | PA | per $100 payroll (PA manual loss cost) | Apr 1, 2026 | Filing #PCRB-C-387 |
| WC | PA | per $100 payroll (PA manual loss cost) | Apr 1, 2026 | Filing #PCRB-C-387 |
| WC | PA | per $100 payroll (PA manual loss cost) | Apr 1, 2026 | Filing #PCRB-C-387 |
Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.
Carriers writing workers compensation in Pennsylvania
55 carrier groups have an active workers compensation filing footprint in Pennsylvania (1,249 filings observed in the public SERFF record). Most active by volume: Liberty Mutual, MEMIC, CNA, Accident Fund, Travelers, Old Republic.
Carrier market presence from public SERFF activity — a signal of who competes for this coverage here, not a price or a rate. Comparison sites cannot legally publish this data — it comes from the public regulatory record.
Compare Pennsylvania workers compensation carriers →Pennsylvania Compensation Rating Bureau (PCRB) filed PA-INS-PCRB-C-387 effective April 2026 (active). Pennsylvania Compensation Rating Bureau (PCRB) filed PCRB-C-387 effective April 2026 (active). Pennsylvania Compensation Rating Bureau (PCRB) filed PCRB-C-387 effective April 2026 (active). Pennsylvania Compensation Rating Bureau (PCRB) filed PCRB-C-387 effective April 2026 (active). Pennsylvania Compensation Rating Bureau (PCRB) filed PCRB-C-387 effective April 2026 (active). Pennsylvania Compensation Rating Bureau (PCRB) filed PCRB-C-387 effective April 2026 (active). Pennsylvania Compensation Rating Bureau (PCRB) filed PCRB-C-387 effective April 2026 (active). Pennsylvania Compensation Rating Bureau (PCRB) filed PCRB-C-387 effective April 2026 (active). Pennsylvania Compensation Rating Bureau (PCRB) filed PCRB-C-387 effective April 2026 (active). Pennsylvania Compensation Rating Bureau (PCRB) filed PCRB-C-387 effective April 2026 (active). Pennsylvania Compensation Rating Bureau (PCRB) filed PCRB-C-387 effective April 2026 (active).
Workers' Compensation covers medical bills and lost wages for Pennsylvania employees injured on the job, and is mandatory in Pennsylvania once a business has staff.
Across Pennsylvania, workers compensation carriers earned about $2.6B in premiums at a 42.3% loss ratio and a 23.2% underwriting profit (NAIC 2023). That market-level result comes from the NAIC Report on Profitability by Line by State — a primary-source view of how workers compensation actually performs in Pennsylvania, beyond any single carrier's filing.
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Key takeaways for Pennsylvania workers compensation
- Pennsylvania workers compensation rate filings are public, primary-source records — every figure here traces to a filing reference you can verify with the state regulator.
- Your actual Pennsylvania workers compensation premium depends on your classification, exposure basis, and each carrier's filed rates and loadings — the filings below are the starting point, not a single market price.
- Comparing quotes from multiple carriers is the only way to see how Pennsylvania workers compensation rates differ for your specific operation.
Get a real Pennsylvania workers compensation quote
Bureau loss-cost filings are the regulator-approved starting point — carrier premium depends on your class code, payroll, experience modifier, schedule credits/debits, and the carrier's loss-cost multiplier (LCM). Request a free Pennsylvania quote in under 90 seconds.
Get a free Pennsylvania quote → See what workers compensation insurance costs →Go deeper on workers compensation
- Workers' comp class codes & loss costs — hub
- Workers compensation loss ratios & profitability by state (NAIC)
- Deep data study: Workers compensation by state
- What workers compensation insurance costs
- All Pennsylvania rate filings (all lines)
- Rate filings by state — directory
- National Rate Change Tracker
- How insurance rates are set — methodology
Figures summarized here are drawn from public Pennsylvania Department of Insurance rate filings and, where shown, the NAIC Report on Profitability by Line by State — each traceable to its source. No proprietary rating-manual content is reproduced. See our full sourcing policy.