---
title: "Opioids: The #1 Workers’ Compensation Problem"
description: Opioid abuse is costing company’s billions of dollars every year. To keep your workers comp insurance costs down, you need to understand the effects of opioid abuse.
image: https://www.aigltd.com/hubfs/lower-workers-comp-costs-300.jpg
---

- [Home](https://www.aigltd.com/) |
- [Contact Us](https://www.aigltd.com/contact/) |
- [Blog](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa)

![Affordable PA Insurance: Commercial, Homeowners, Car, Life, and Health Insurance](https://www.aigltd.com/hs-fs/hubfs/PA-Insurance-for-Business-Car-Life-House-Health.jpg?width=1020&name=PA-Insurance-for-Business-Car-Life-House-Health.jpg "Affordable PA Insurance: Commercial, Homeowners, Car, Life, and Health Insurance")

[![](https://www.aigltd.com/hs-fs/hubfs/American_Insurance_Group-Images/Mobile-logo1.png?width=690&name=Mobile-logo1.png)](https://www.aigltd.com/) [![](https://www.aigltd.com/hs-fs/hubfs/American_Insurance_Group-Images/Mobile-logo2.png?width=690&name=Mobile-logo2.png)](https://www.aigltd.com/)

# Insurance Savings and News You Can Use Join the Conversation!

## Opioids: The #1 Workers’ Compensation Problem

Posted by [David Ross](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/author/david-ross) on Sun, Jun 16, 2019

- [Tweet](https://twitter.com/share)

![Opioids are the biggest workers compensation insurance cost driver](https://www.aigltd.com/hs-fs/hubfs/lower-workers-comp-costs-300.jpg?width=300&name=lower-workers-comp-costs-300.jpg)If you want to keep your Workers’ Comp insurance costs down, you need to [understand the effects of opioid abuse.](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/the-opioid-epidemic-and-workers-comp-insurance)

 The economic burden of prescription opioid misuse in the U.S. is about $78.5 billion every year including healthcare, lost productivity, treatment, and criminal justice costs, according to [the Centers for Disease Control and Prevention.](https://www.drugabuse.gov/drugs-abuse/opioids/opioid-overdose-crisis) Health insurers and workers’ compensation carriers bear about one-third of that cost, according to [Claims Journal](https://www.claimsjournal.com/news/national/2017/12/07/281919.htm). 

The result is increased workers’ compensation costs. A 2012 [report from Lockton Companies](https://www.lockton.com/Resource_/PageResource/MKT/wc-pbm10-9-2012.pdf) reported that “Prescription opioids are presently the number one workers’ compensation problem in terms of controlling the ultimate cost of indemnity losses. There has never been a more damaging impact on the cost of workers’ compensation claims from a single issue than the abuse of opioid prescriptions for the management of chronic pain.” 

## **Why is This Happening?**

Often, when an employee is injured on the job, a physician will prescribe an opioid for the pain. The [Addiction Center](https://www.addictioncenter.com/opiates/) reported that in 2012, 259 million opioid painkiller prescriptions were written. According to the [Talbot Campus](https://talbottcampus.com/prescription-drug-abuse-statistics/), the US makes up just 5% of the world’s population but consumes about 80% of the world’s prescription opioid drugs. 

The problem is that opiates are one of the most addictive substances available today. The Addiction Center reported that of the 259 million prescriptions written in 2012, an estimated 2 million led to addiction. 

According to the Talbot Campus, prescription opioid drugs contribute to 40% of all US opioid overdose deaths. [The National Institute on Drug Abuse](https://www.drugabuse.gov/drugs-abuse/opioids/opioid-overdose-crisis) reports that every day, more than 130 people in the US die after overdosing on opioids. 

Furthermore, approximately 5% of those who abuse prescription drugs eventually transition to heroin. 

## **The Link Between Prescription and Illicit Opioids**

Opioids include pain relievers such as oxycodone, hydrocodone, codeine, morphine, etc. that are available by prescription. However, many opioid addicts turn to illegal drugs like heroin and synthetic opioids such as fentanyl.  The Talbot Campus reported that about three out of four heroin users misused prescription opioids before their use of heroin. 

Fentanyl, a synthetic opioid that is fifty times more potent than heroin, is cheaper to produce and more readily available than heroin. Pharmaceutical fentanyl is primarily used to manage severe pain for cancer patients and end-of-life palliative care. Non-pharmaceutical fentanyl is often mixed with heroin or cocaine – often without the users’ knowledge. 

According to the [CDC](https://www.cdc.gov/drugoverdose/data/fentanyl.html), there were more deaths involving synthetic opioids (more than 28,000) than from any other type of opioid in 2017. The introduction of fentanyl and other synthetic opioids is currently the most significant concern among opioid experts.

## **What can you do as an Employer?**

Despite these frightening statistics, most people who are prescribed opioids do not become addicts; however, the ones who do are costing U.S. businesses like yours billions of dollars every year.

Thankfully, some precautions can be taken to address pain relief for injured employees. Here are a few steps to take if you want to reduce your [workers’ compensation insurance](https://www.aigltd.com/workers-compensation-insurance-reading-pa) costs.

### **Educate Your Employees**

Make sure they understand the risks of opioid use, how addictive it can be, and how to prevent problems.

### **Build Good Relationships with Providers**

Build a good relationship with area physicians - especially physicians within your network – and pharmacy benefit managers to make sure that they understand the risks of opioid use and how to minimize those risks such as screening patients for addiction, avoiding the use of opioids as the first line of therapy, and conducting urine screenings.

### **Intervene**

If you suspect a case of opioid over prescription or abuse, intervene by talking to another physician, the insurer, and/or the third-party administrator. 

Accidents do happen, and employees do get hurt, but don’t allow the prevalence of opioid addiction exacerbate the effects of those injuries on the injured employee, his or her family and coworkers, or your workers’ comp costs.

 

## **Want to Lower Your Workers’ Compensation Insurance Costs?**

Another way to save on workers’ compensation and other commercial insurance costs is to work with an independent agent who can compare the cost of your insurance with more than one company.

Give American Insuring Group a call at **(800) 947-1270** or** (610) 775-3848** or **connect with us online**. Our independent agents will make sure that you get the best price on quality insurance protection. 

 Tags: [Workers Compensation Insurance](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/workers-compensation-insurance), [PA Workers Compensation Insurance](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/pa-workers-compensation-insurance), [Commercial Insurance](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-insurance), [Opioid Epidemic](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/opioid-epidemic)

### Why Customers Love and Trust Us!

### Subscribe to Receive Helpful Blog Posts

Get the Right Coverage and Save Big with American Insuring Group!

 

[![](https://www.aigltd.com/hs-fs/hubfs/Affordable-Car-Truck-Vehicle-Insurance-btn-300b.jpg?width=300&height=154&name=Affordable-Car-Truck-Vehicle-Insurance-btn-300b.jpg "Affordable-Car-Truck-Vehicle-Insurance-btn-300b.jpg")](https://www.aigltd.com/cheap-car-insurance-quotes-auto-motorcycle-pennsylvania)

 

[![](https://www.aigltd.com/hs-fs/hubfs/Affordable-House-Insurance-btn-300b.jpg?width=300&height=202&name=Affordable-House-Insurance-btn-300b.jpg "Affordable-House-Insurance-btn-300b.jpg")](https://www.aigltd.com/homeowners-renters-house-insurance)

 

 

[![](https://www.aigltd.com/hs-fs/hubfs/Affordable-Life-Insurance-btn-300-1.jpg?width=300&height=210&name=Affordable-Life-Insurance-btn-300-1.jpg "Affordable-Life-Insurance-btn-300-1.jpg")](https://www.aigltd.com/life-insurance-quotes-term-life-insurance-whole-life-insurance-cheap-life-insurance)

 

 

[![](https://www.aigltd.com/hs-fs/hubfs/Affordable-Health-Insurance-btn-300.jpg?width=300&height=214&name=Affordable-Health-Insurance-btn-300.jpg "Affordable-Health-Insurance-btn-300.jpg")](https://www.aigltd.com/health-insurance)

 

[![](https://www.aigltd.com/hs-fs/hubfs/Affordable-Business-Insurance-btn-300.jpg?width=300&height=235&name=Affordable-Business-Insurance-btn-300.jpg "Affordable-Business-Insurance-btn-300.jpg")](https://www.aigltd.com/commercial-insurance-small-business)

### Latest Posts

### Posts by Category

- [Accident Insurance (7)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/accident-insurance)
- [Affordable Car Insurance (9)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/affordable-car-insurance)
- [Affordable Care Act (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/affordable-care-act)
- [Affordable Motorcycle Insurance (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/affordable-motorcycle-insurance)
- [appliance insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/appliance-insurance)
- [Bar Insurance (7)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/bar-insurance)
- [Bobtail Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/bobtail-insurance)
- [Brew Pub Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/brew-pub-insurance)
- [Brewery Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/brewery-insurance)
- [Builders Insurance (8)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/builders-insurance)
- [Builders Risk Insurance (5)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/builders-risk-insurance)
- [Business Insurance (123)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/business-insurance)
- [Business Insurance Allentown PA (24)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/business-insurance-allentown-pa)
- [Business Insurance Berks (31)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/business-insurance-berks)
- [Business Insurance Harrisburg Pa (22)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/business-insurance-harrisburg-pa)
- [Business Insurance Lancaster Pa (22)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/business-insurance-lancaster-pa)
- [Business Insurance Philadelphia Pa (25)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/business-insurance-philadelphia-pa)
- [Business Insurance Reading PA (29)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/business-insurance-reading-pa)
- [Business Insurance York Pa (19)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/business-insurance-york-pa)
- [Business Interruption Insurance (4)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/business-interruption-insurance)
- [Business Overhead Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/business-overhead-insurance)
- [Buy-Sell Agreement Insurance (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/buy-sell-agreement-insurance)
- [Car Insurance (16)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/car-insurance)
- [Car Insurance Allentown PA (11)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/car-insurance-allentown-pa)
- [Car Insurance Harrisburg PA (10)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/car-insurance-harrisburg-pa)
- [Car Insurance Lancaster PA (9)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/car-insurance-lancaster-pa)
- [Car Insurance Philadelphia PA (11)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/car-insurance-philadelphia-pa)
- [Car Insurance Reading PA (12)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/car-insurance-reading-pa)
- [Cargo Trucking Insurance (11)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/cargo-trucking-insurance)
- [CGL (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/cgl)
- [Commercial Auto Insurance (14)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-auto-insurance)
- [Commercial General Liability Insurance (11)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-general-liability-insurance)
- [Commercial Insurance (147)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-insurance)
- [Commercial Insurance Allentown PA (40)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-insurance-allentown-pa)
- [Commercial Insurance Berks County (38)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-insurance-berks-county)
- [Commercial Insurance Harrisburg PA (38)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-insurance-harrisburg-pa)
- [Commercial Insurance Lancaster PA (36)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-insurance-lancaster-pa)
- [Commercial Insurance Philadelphia PA (43)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-insurance-philadelphia-pa)
- [Commercial Insurance Reading PA (40)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-insurance-reading-pa)
- [Commercial Insurance York PA (33)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-insurance-york-pa)
- [Commercial Liability Insurance (34)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-liability-insurance)
- [commercial property insurance (25)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-property-insurance)
- [Commercial Sign Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-sign-insurance)
- [commercial vehicle insuarance (7)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-vehicle-insuarance)
- [Commercial Vehicle Insurance (80)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-vehicle-insurance)
- [commercial vehicles (3)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-vehicles)
- [Construction Defect (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/construction-defect)
- [Construction Equipment Insurance (8)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/construction-equipment-insurance)
- [Construction Insurance (87)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/construction-insurance)
- [Construction Risk Insurance (23)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/construction-risk-insurance)
- [Contractor Insurance (107)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/contractor-insurance)
- [Contractor Safety Management (50)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/contractor-safety-management)
- [Contractual Risk Transfer (6)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/contractual-risk-transfer)
- [CPPI Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/cppi-insurance)
- [Critical Illness Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/critical-illness-insurance)
- [Cyber Insurance (5)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/cyber-insurance)
- [Cyber Liability Insurance (5)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/cyber-liability-insurance)
- [d Life Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/d-life-insurance)
- [design-build insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/design-build-insurance)
- [Disability Buy-Out Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/disability-buy-out-insurance)
- [Disability Insurance (10)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/disability-insurance)
- [Disaster Recovery Plan (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/disaster-recovery-plan)
- [Driverless Cars and Trucks (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/driverless-cars-and-trucks)
- [Drone Insurance (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/drone-insurance)
- [ELD Mandate (3)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/eld-mandate)
- [Electronic Logging Devices - ELD (3)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/electronic-logging-devices-eld)
- [Employee Benefits (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/employee-benefits)
- [Employment Practices Liability Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/employment-practices-liability-insurance)
- [EPLI (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/epli)
- [Errors and Omissions Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/errors-and-omissions-insurance)
- [Excess Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/excess-insurance)
- [Fire Safety (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/fire-safety)
- [Flood Insurance (6)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/flood-insurance)
- [Flood Insurance Philadelphia PA (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/flood-insurance-philadelphia-pa)
- [Flood Insurance Reading PA (4)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/flood-insurance-reading-pa)
- [Food Transportation Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/food-transportation-insurance)
- [Food Truck Insurance (4)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/food-truck-insurance)
- [GAP Insurance (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/gap-insurance)
- [Health Insurance (19)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/health-insurance)
- [Health Insurance Allentown (15)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/health-insurance-allentown)
- [Health Insurance Berks County (12)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/health-insurance-berks-county)
- [Health Insurance Harrisburg (12)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/health-insurance-harrisburg)
- [Health Insurance Lancaster (13)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/health-insurance-lancaster)
- [Health Insurance Philadelphia (15)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/health-insurance-philadelphia)
- [Health Insurance Reading PA (15)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/health-insurance-reading-pa)
- [Heavy Equipment Insurance (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/heavy-equipment-insurance)
- [Home Business Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/home-business-insurance)
- [Home Sharing Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/home-sharing-insurance)
- [Homeowners Insurance (30)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/homeowners-insurance)
- [Homeowners Insurance Allentown Pa (20)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/homeowners-insurance-allentown-pa)
- [Homeowners Insurance Berks County (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/homeowners-insurance-berks-county)
- [Homeowners Insurance Harrisburg PA (14)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/homeowners-insurance-harrisburg-pa)
- [Homeowners Insurance Lancaster Pa (17)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/homeowners-insurance-lancaster-pa)
- [Homeowners Insurance Philadelphia Pa (22)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/homeowners-insurance-philadelphia-pa)
- [Homeowners Insurance Reading Pa (20)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/homeowners-insurance-reading-pa)
- [Homeowners Insurance York PA (13)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/homeowners-insurance-york-pa)
- [House Insurance (19)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/house-insurance)
- [House Insurance Allentown Pa (10)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/house-insurance-allentown-pa)
- [House Insurance Lancaster Pa (10)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/house-insurance-lancaster-pa)
- [House Insurance Philadelphia Pa (9)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/house-insurance-philadelphia-pa)
- [House Insurance Reading PA (12)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/house-insurance-reading-pa)
- [Hurricane Harvey (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/hurricane-harvey)
- [Insurance Berks Pa (4)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/insurance-berks-pa)
- [Insurance Infographics (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/insurance-infographics)
- [Insurance Reading Pa (8)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/insurance-reading-pa)
- [Internet of Things (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/internet-of-things)
- [IoT (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/iot)
- [Key Person Insurance (4)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/key-person-insurance)
- [Landlord Insurance (35)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/landlord-insurance)
- [Landlord Insurance Berks County (4)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/landlord-insurance-berks-county)
- [Landlord Insurance Reading PA (4)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/landlord-insurance-reading-pa)
- [Life Insurance (28)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/life-insurance)
- [Life Insurance Allentown Pa (23)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/life-insurance-allentown-pa)
- [Life Insurance Berks Pa (20)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/life-insurance-berks-pa)
- [Life Insurance for Children (5)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/life-insurance-for-children)
- [Life Insurance for Singles (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/life-insurance-for-singles)
- [Life Insurance Harrisburg Pa (21)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/life-insurance-harrisburg-pa)
- [Life Insurance Lancaster Pa (21)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/life-insurance-lancaster-pa)
- [Life Insurance Philadelphia Pa (23)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/life-insurance-philadelphia-pa)
- [Life Insurance Reading PA (24)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/life-insurance-reading-pa)
- [Life Insurance York Pa (18)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/life-insurance-york-pa)
- [Liquor Liability Insurance (5)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/liquor-liability-insurance)
- [Long Term Care Insurance (6)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/long-term-care-insurance)
- [Managed Care Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/managed-care-insurance)
- [Mold Remediation Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/mold-remediation-insurance)
- [Money and Securities Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/money-and-securities-insurance)
- [Motor Carrier Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/motor-carrier-insurance)
- [Motorcycle Insurance (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/motorcycle-insurance)
- [Motorcycle Insurance Allentown (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/motorcycle-insurance-allentown)
- [Motorcycle Insurance Harrisburg (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/motorcycle-insurance-harrisburg)
- [Motorcycle Insurance Lancaster (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/motorcycle-insurance-lancaster)
- [Motorcycle Insurance Philadelphia (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/motorcycle-insurance-philadelphia)
- [Motorcycle Insurance Reading PA (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/motorcycle-insurance-reading-pa)
- [Motorcycle Insurance York (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/motorcycle-insurance-york)
- [Nail Gun Safety (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/nail-gun-safety)
- [Nightclub Insurance (5)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/nightclub-insurance)
- [Opioid Epidemic (3)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/opioid-epidemic)
- [Pa (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/pa)
- [PA Flood Insurance (5)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/pa-flood-insurance)
- [PA Workers Compensation Insurance (65)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/pa-workers-compensation-insurance)
- [Pennsylvania Business Insurance (7)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/pennsylvania-business-insurance)
- [Physical Damage Truck Insurance (8)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/physical-damage-truck-insurance)
- [Pollution Liability Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/pollution-liability-insurance)
- [Private Carrier Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/private-carrier-insurance)
- [Product Liability Insurance (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/product-liability-insurance)
- [Professional Liability Insurance (9)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/professional-liability-insurance)
- [Professional Liability Lawsuit (3)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/professional-liability-lawsuit)
- [Public Liability Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/public-liability-insurance)
- [Public Liability Insurance Berks County (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/public-liability-insurance-berks-county)
- [Public Liability Insurance Reading PA (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/public-liability-insurance-reading-pa)
- [Refrigerated Truck Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/refrigerated-truck-insurance)
- [Rental Property Insurance (3)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/rental-property-insurance)
- [Repetitive Motion Injuries (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/repetitive-motion-injuries)
- [Restaurant Insurance (76)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/restaurant-insurance)
- [Restaurant Insurance Allentown PA (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/restaurant-insurance-allentown-pa)
- [Restaurant Insurance Costs (32)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/restaurant-insurance-costs)
- [Restaurant Insurance Lancaster PA (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/restaurant-insurance-lancaster-pa)
- [Restaurant Insurance Philadelphia PA (3)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/restaurant-insurance-philadelphia-pa)
- [Restaurant Insurance Pittsburgh PA (3)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/restaurant-insurance-pittsburgh-pa)
- [Restaurant Insurance Reading PA (6)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/restaurant-insurance-reading-pa)
- [Restaurant Liability Insurance (17)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/restaurant-liability-insurance)
- [Restaurant Safety (24)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/restaurant-safety)
- [Retirement Planning (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/retirement-planning)
- [Return-To-Work Programs (15)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/return-to-work-programs)
- [RV Insurance (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/rv-insurance)
- [Safe Driving Tips (18)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/safe-driving-tips)
- [Safety Programs (34)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/safety-programs)
- [Small Business Insurance (30)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/small-business-insurance)
- [Small Business Insurance Reading PA (16)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/small-business-insurance-reading-pa)
- [Teen Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/teen-insurance)
- [Tennant Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/tennant-insurance)
- [Texting (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/texting)
- [Tool Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/tool-insurance)
- [Toolbox Talk (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/toolbox-talk)
- [truck insurance (84)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/truck-insurance)
- [trucker insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/trucker-insurance)
- [Trucking Insurance (74)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/trucking-insurance)
- [Umbrella Insurance (8)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/umbrella-insurance)
- [Umbrella Liability Insurance (4)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/umbrella-liability-insurance)
- [Unoccupied Property Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/unoccupied-property-insurance)
- [Utility Service Interruption Insurance (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/utility-service-interruption-insurance)
- [Van Insurance (9)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/van-insurance)
- [Vocational Rehabilitation (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/vocational-rehabilitation)
- [WC Insurance (7)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/wc-insurance)
- [Winter Driving Tips (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/winter-driving-tips)
- [workers comp (67)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/workers-comp)
- [workers comp costs (119)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/workers-comp-costs)
- [workers comp insurance (49)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/workers-comp-insurance)
- [Workers Compensation Insurance (186)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/workers-compensation-insurance)
- [Workers Compensation Insurance Fraud (11)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/workers-compensation-insurance-fraud)
- [Workers Compensation Insurance Infographics (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/workers-compensation-insurance-infographics)
- [Workers Compensation Vendor Management (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/workers-compensation-vendor-management)
- [Wrap Up Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/wrap-up-insurance)

Serving Pennsylvania with affordable car, life, health, homeowner’s, renter’s, business, commercial, and other types of property insurance for over 30 years.  
Philadelphia, Pittsburgh, Allentown, Erie, Reading, Scranton, Bethlehem, Lancaster, Harrisburg, Altoona, York, & State College Pennsylvania areas.

[![Share on Facebook](https://static.hubspot.com/final/img/common/icons/social/facebook-24x24.png)](https://www.facebook.com/American-Insuring-Group-Ltd-229692490403872/) [![Share on LinkedIn](https://static.hubspot.com/final/img/common/icons/social/linkedin-24x24.png)](https://www.linkedin.com/in/david-ross-91063918/)

© 2015 American Insuring Group, LTD