---
title: "Workers Compensation Basics: What Employers Need to Know"
description: Understanding Workers' Compensation Insurance is the first step for employers who want to minimize WC costs. Here are the basics every employer must know.
image: https://www.aigltd.com/hubfs/Lower_WC_costs.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!

## Workers Compensation Basics: What Employers Need to Know

Posted by [David Ross](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/author/david-ross) on Sat, Sep 26, 2020

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

[![The basics on reducing the cost of workers comp insurance in Philadelphia, Lancaster, Pittsburgh, Erie, Allentown, and throughout Pennsylvania.](https://www.aigltd.com/hs-fs/hubfs/Lower_WC_costs.jpg?width=300&name=Lower_WC_costs.jpg)](https://www.aigltd.com/workers-compensation-insurance-reading-pa)One of the most important types of insurance that almost every business needs is [Workers' Compensation Insurance](https://www.aigltd.com/workers-compensation-insurance-reading-pa) (WC). It helps protect both employees and employers when there is a work-related injury or illness. In Pennsylvania, most employers are required by law to carry WC for their employees.

For many employers, WC is one of the most expensive types of insurance they need to carry, which is why working with an insurance agent who has experience with WC – like those at American Insuring Group - is essential to keeping those costs as low as possible.

They say knowledge is power, so here are the basics every employer should understand about Workers' Compensation Insurance.

## What is Workers' Compensation?

If a worker is injured in the workplace or becomes ill because of his or her work environment, Workers' Compensation helps cover medical costs and lost wages if the employee is not able to work. It doesn't matter who or what caused the injury – a faulty machine, the employee, a co-worker, etc. - WC will pay those expenses.

In Pennsylvania, WC covers health care expenses (doctor's visits, surgery, etc.), ongoing care (such as physical therapy), illnesses, repetitive injuries (such as carpal tunnel syndrome), partial or total disability payments, permanent injury payments, and death benefits.

WC also benefits the employer by limiting an injured employee's right to sue an employer directly for damages that injury or illness causes.

## Who is Required to Carry Workers' Compensation?

[The Department of Labor & Industry](https://www.dli.pa.gov/Businesses/Compensation/WC/insurance/Pages/default.aspx) states, "If you employ workers in Pennsylvania, you must have workers' compensation insurance -- it's the law." This includes both full and part-time employees, even if they are family members.

The only [exceptions](https://www.dli.pa.gov/Businesses/Compensation/WC/compliance/Pages/default.aspx) are If ALL employees fall into one or more of the following categories:

- Federal workers
- Longshoremen
- Railroad workers
- Casual workers
- Persons working out of their own homes or other premises not under the control of management
- Agricultural laborers making less than $1200 per calendar year
- Domestic workers who have not elected to come under the provisions of the Workers' Compensation Act
- Sole proprietors or general partners
- Those who have been given an exemption by the Department of Labor and Industry due to religious beliefs
- Executive officers who have been granted exclusion by the Department of Labor and Industry
- Licensed real estate salespersons or associate real estate brokers affiliated with a licensed real estate broker or a licensed insurance agent affiliated with a licensed insurance agency, under a written agreement, remunerated on a commission-only basis and qualifying as independent contractors for State tax purposes or for Federal tax purposes under the Internal Revenue Code of 1986.

If a business does not qualify for one of these exceptions, it must carry Workers' Compensation Insurance for its employees. Failure to do so can result in the employer being required to pay back any costs paid by the Uninsured Employers Guaranty Fund or a work-related injury or illness, including interest, penalties, and fees. An uninsured employer may also face civil and criminal risks that can result in fines and imprisonment.

## How Much Does Workers' Compensation Insurance Cost?

How much you pay for WC is based on a formula:

RATE x (PAYROLL/100) x EXPERIENCE MODIFIER = PREMIUM

An employee's classification code determines the RATE. Those codes are based on the likelihood of that employee being injured on the job. Employees doing more dangerous jobs, such as construction workers, will have a higher rating than someone in a less dangerous job, such as office workers.

A projection of your payroll determines PAYROLL.

Your business's loss history determines the EXPERIENCE MODIFIER compared with the average loss history in your industry. An experience modifier of one is average. A lower number will reflect a better than average loss history, and a higher number will reflect a loss history that is worse than the average. The lower your experience modifier number, the lower your WC rates. 

 

## **How Can You Lower Workers' Compensation Insurance Costs?**

An independent insurance agent who specializes in WC - like those at American Insuring Group – can help ensure you pay the lowest premium possible. By searching among many competing insurance carriers, we obtain the right insurance at the lowest price possible. So give us a call at **(800) 947-1270 or (610) 775-3848** or [**connect with us online**](https://www.aigltd.com/contact).

 

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

### 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