Construction workers compensation in Pennsylvania
Construction businesses in Pennsylvania pay a median rate of $1.43 per $100 of payroll, ranging from $0.177 to $15.32. The national median for Construction is $2.26, so Pennsylvania sits 37% below the national average. 35 unique NCCI class codes are filed in this state for Construction occupations. Verified 2026-05-09.
Top Construction class codes in Pennsylvania
The class codes most likely to apply to a Construction operation in Pennsylvania, sorted from cheapest to most expensive per $100 of payroll. Click into any code for the full state-by-state rate comparison.
| Code | Occupation | Rate per $100 | Confidence |
|---|---|---|---|
| 0555 | Street or Road Construction - Excavation | $0.177 | HIGH |
| 0520 | Excavation | $0.240 | HIGH |
| 0581 | Plastering or Stucco Work | $0.418 | HIGH |
| 0884 | Farm Road or Ditch Construction | $0.433 | HIGH |
| 0943 | Aircraft Operation, Pipeline Construction | $0.490 | HIGH |
| 0521 | Concrete Construction - Bridges | $0.500 | HIGH |
| 0553 | Street or Road Construction - Grading | $0.522 | HIGH |
| 0551 | Street or Road Construction - Paving | $0.639 | HIGH |
| 0563 | Electrical Wiring - N.O.C. | $0.758 | HIGH |
| 0507 | Iron or Steel Erection - Non-Structural | $0.848 | HIGH |
Pennsylvania compliance for Construction employers
Coverage threshold
All employers with one or more employees must carry workers' compensation insurance.
1099 vs W-2 in Construction
Pennsylvania uses a 'right to control' test and other factors to determine if a worker is an employee or independent contractor; misclassification can lead to penalties.
Owner exclusion
Allowed in Pennsylvania. Sole proprietor self-coverage optional; LLC member self-coverage optional.
Max weekly benefit
$1,347 at 66.67% of average weekly wage, effective 2025-01-01.
Statute of limitations
3 years from injury date in Pennsylvania.
Audit window
Pennsylvania carriers audit payroll within 90 days of policy expiration. Keep Construction payroll segregated by class code and have job-duty documentation ready.
Cross-cite: full Pennsylvania workers comp overview · Construction cross-state rate comparison · Pennsylvania workers comp lawyer guide · Pennsylvania settlement chart
Estimate your Construction premium in Pennsylvania
Pre-filled to Construction and Pennsylvania. Adjust payroll to see a real premium range from filed rates.
Estimate your workers comp premium
Pick your industry, state, and annual payroll. Range comes from real rate filings.
Estimated annual premium for Construction in Pennsylvania
$885to$76,600
Median: $7,155 · Rate range $0.177 to $15.32 per $100 payroll
Industry median across all states
$11,300
Cheapest states for Construction
- Utah $0.780
- Washington $1.13
- Kansas $1.21
Most expensive
- New Jersey $6.95
- Illinois $5.01
- New York $4.84
Estimate based on 24 states of rate-filing data. Actual premium also reflects experience modifier, schedule credits, and carrier underwriting.
Filing checklist for Construction businesses in Pennsylvania
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Step 1, Confirm coverage threshold
All employers with one or more employees must carry workers' compensation insurance. For Construction operations, this typically applies once you make a first W-2 hire, even part-time.
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Step 2, Pick the right class code
Construction businesses typically use codes like 7335, 6251, 6252. The wrong code can cost 4 to 10x more or get reclassified at audit. In Pennsylvania, the cheapest code on this list is 0555 at $0.177 and the most expensive is 0507 at $0.848.
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Step 3, Get a quote
State Workers' Insurance Fund is one option in Pennsylvania; private carriers (Travelers, Hartford, Liberty Mutual, AmTrust) also write coverage. Schedule credits up to 25% are typical for low-loss accounts.
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Step 4, Document subcontractors
General contractors are responsible for ensuring subcontractors carry workers' compensation or they may be held liable for the subcontractor's employees. Construction operators with crews of 1099s should keep certificates of insurance for every sub, otherwise the GC absorbs the sub liability at audit.
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Step 5, Annual audit
Carriers audit payroll within 90 days of policy expiration. Have payroll segregated by class code, job descriptions on file, and overtime properly excluded from rated payroll. Construction class allocation can shift if any worker spends more than 50% of time on a different code.
Construction workers comp FAQs in Pennsylvania
What is the typical workers comp rate for Construction in Pennsylvania?
Construction employers in Pennsylvania pay a median rate of $1.43 per $100 of payroll, with rates ranging from $0.177 to $15.32 depending on the specific class code. The national median across all states for Construction is $2.26, so Pennsylvania sits about 37% below the national average.
How many Construction class codes are filed in Pennsylvania?
Pennsylvania has 35 unique NCCI class codes filed for Construction occupations, drawn from 35 state-class code rate cells in our dataset. The most common codes include 7335 (Railroad - Construction/Maintenance), 6251 (Tunneling), 6252 (Shaft Sinking).
Are Construction 1099 contractors covered by workers comp in Pennsylvania?
Pennsylvania uses a 'right to control' test and other factors to determine if a worker is an employee or independent contractor; misclassification can lead to penalties.
What is the maximum weekly benefit for an injured Construction worker in Pennsylvania?
Pennsylvania caps weekly workers comp benefits at $1,347 (effective 2025-01-01), calculated as 66.67% of the average weekly wage. Construction workers are subject to the same statutory cap as workers in any other industry.
How long does a Construction worker have to file a comp claim in Pennsylvania?
The statute of limitations in Pennsylvania is 3 years from the date of injury. Most claims also require notice to the employer within 30 days. Construction workers should report any incident on the date it happens, even minor strains, because cumulative trauma claims can fail without contemporaneous documentation.
Can a Construction business owner exclude themselves from comp coverage in Pennsylvania?
Yes, Pennsylvania allows business owners (sole proprietors, partners, LLC members, corporate officers) to file an exclusion election. Construction owner-operators often elect out to keep premium below the minimum. Sole-proprietor self-coverage is not required, and LLC member self-coverage is not required.