--- title: Affordable Workers Compensation Insurance | Reading, PA, Philadelphia, Allentown, Bethlehem, Harrisburg, Lancaster, York, Pennsylvania and beyond description: Pennsylvania workers compensation insurance from affordable, reliable companies. A Trusted Choice independent insurance agency near Reading, PA. Call us today and save/ --- - [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/) # Quality Worker's Compensation Insurance # For Your Employees and Your Business  ![Buy Affordable Workers Compensation Insurance and Get Insurance Quotes in Philadelphia, Reading, Lancaster, Harrisburg, Allentown, Bethlehem, York, Pennsylvania and beyond. Don't overpay for workers comp insurance!](https://www.aigltd.com/hs-fs/hubfs/Affordable-WC-Insurance-bnr4-750.jpg?width=750&name=Affordable-WC-Insurance-bnr4-750.jpg) ## Are You Paying Too Much for Worker's Compensation Insurance? At American Insuring Group, Ltd., we offer cost-effective worker's compensation insurance from a great variety of competing insurance companies. We'll work hard to get you the best price on quality insurance to protect your employees and your business.  [![Get a free Workers' Compensation Price Quote](https://www.aigltd.com/hs-fs/hubfs/Free-Insurance-Quote.png?width=250&name=Free-Insurance-Quote.png)](https://www.aigltd.com/business-insurance-quotes) --- ### What is Worker's Compensation Insurance And What Does it Cover?  Worker’s Compensation Insurance is a type of small business insurance that is mandatory in most states, and covers employees for work-related injuries. A typical "workers comp" insurance policy pays lost wages and medical expenses incurred due to a work-related accident, while also protecting the employer against accident-related lawsuits. See list below.   ![Workers compensation insurance may cover lost wages, disability payments, medical costs, death benefits, and protection to the employer against lawsuits. Buy PA workers compensation insurance from American Insuring Group in Berks County near Reading PA. Workers compensation is not the same as unemployment compensation insurance - ask us why.](https://www.aigltd.com/hs-fs/hubfs/What-Workers-Compensation-Insurance-Covers-750.jpg?width=500&name=What-Workers-Compensation-Insurance-Covers-750.jpg)   ### We Shop So You Save Big On Worker’s Compensation Insurance! Most states require an employer to carry worker's compensation insurance for all employees, both full-time and part-time.  This is a type of insurance for which many insurance companies compete. The insurance market for worker's compensation insurance is very competitive and insurance companies will often offer discounts to attract new customers. Our ability to offer policies from many competing companies allows us to offer you the best price on qualilty worker's compensation insurance. Contact us for a free workers comp insurance quote today! Call us at **(800) 947-1270 **or** (610) - 775-3848** or click below:   [![Contact us for a free Workers Comp Insurance Quote. Serving Philadelphia, Reading, Lancaster, Allentown, Pittsburgh, York, Erie, PA and beyond.](https://www.aigltd.com/hs-fs/hubfs/free-pa-insurance-quote-c.jpg?width=250&name=free-pa-insurance-quote-c.jpg)](https://www.aigltd.com/business-insurance-quotes) --- ### How Your Worker’s Compensation Experience Impacts Cost For larger businesses, typically paying over $5,000 annually, an **experience modification factor** is applied to the policy that reflects the claims experience of the company.  The lower the claims paid out by the insurance company, the lower the experience modification factor, which in turn lowers the overall annual premium. Some worker's compensation insurance companies offer a **dividend plan** that pays the small business insurance owner back a dividend if the company's claim experience is favorable.    Additional Worker's Comp Insurance Cost-Saving Tips: [Workers Compensation Insurance in the Construction Industry](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/workers-compensation-insurance-in-the-construction-industry) [Reduce Workers Comp Costs with the Right Attorney](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/reduce-workers-comp-costs-with-the-right-attorney) [Workers Comp Insurance and Getting Employees Back to Work](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/workers-comp-tips-getting-employees-back-to-work) [Lower Workers Comp Insurance Costs by Keeping it Honest](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-Reading-PA/bid/187666/4-Ways-to-Lower-Workers-Comp-Insurance-Costs-by-Keeping-it-Honest) [4 Ways to Cut Worker's Compensation Insurance Costs](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-Reading-PA/bid/161376/4-Ways-to-Cut-Workers-Compensation-Insurance-Costs)  [How to Avoid a Worker's Comp Liability Insurance Nightmare](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-Reading-PA/bid/160361/Employers-Avoid-a-Workers-Comp-Liability-Insurance-Nightmare) [A Simple Way to Cut Workers’ Compensation Insurance Costs](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-Reading-PA/bid/199554/A-Simple-Way-to-Cut-Workers-Compensation-Insurance-Costs) [Decrease Workers Compensation Costs the Easy Way](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-Reading-PA/bid/204529/Decrease-Workers-Compensation-Costs-the-Easy-Way)   CONTACT US TO LEARN MORE [![Learn more about Workers Compensation Insurance - Contact Us Today!](https://www.aigltd.com/hs-fs/hubfs/Contact-Us-For-Insurance-300.jpg?width=250&name=Contact-Us-For-Insurance-300.jpg)](https://www.aigltd.com/contact)   ---   ### Worker's Compensation Insurance Costs And the Opioid Epidemic   [![Click here for our blog post and full-sized INFOGRAPHIC: The Opioid Overdose Epidemic and Workers' Compensation Insurance](https://www.aigltd.com/hs-fs/hubfs/INFOGRAPHIC-Opioid-Epidemic-Workers-Comp-Insurance-Impact-300.jpg?width=300&name=INFOGRAPHIC-Opioid-Epidemic-Workers-Comp-Insurance-Impact-300.jpg "Click here for our blog post and full-sized INFOGRAPHIC: The Opioid Overdose Epidemic and Workers' Compensation Insurance")](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/the-opioid-epidemic-and-workers-comp-insurance)The opioid overdose epidemic is having an adverse impact on workers compensation insurance costs. According to one study, prescription opioid abuse cost employers over $25 billion in 2007. Another study has concluded that 60% of all injured workers who are prescribed opiods become addicted. For these and many other surprising statistics, see our full sized infographic and blog post: [INFOGRAPHIC: Opioid Epidemic & Workers Comp Insurance](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/the-opioid-epidemic-and-workers-comp-insurance)   ### Other Medical Factors Driving Up Worker's Compensation Insurance Costs Medical costs in general continue to rise not only due to inflation, but also because new technologies and new drugs are constantly being created and made available to hospitals and physicians to treat injuries. These advances can be quite costly, especially in the early stages while patents are in effect. It is not uncommon for a hospital to charge $1,000 for an emergency room visit, or $5,000 per day for an admitted patient. Surgery, if required, will drive costs much higher. Due to the capability for medical costs to quickly grow beyond the employer's financial resources, having adequate worker's compensation insurance is a must for every employer. [![Learn more about Workers Compensation Insurance and the Opioid Crisis Impact on Costs - Contact Us Today!](https://www.aigltd.com/hs-fs/hubfs/Contact-Us-For-Insurance-300.jpg?width=250&name=Contact-Us-For-Insurance-300.jpg)](https://www.aigltd.com/contact)   --- ### **WARNING:** ### Don't Cheat on Worker's Compensation Costs By Misclassifying Workers!   Some employers may be tempted to classify workers as independent contractors instead of employees in order to save on worker's compensation costs, but this is a dangerous gamble that risks incurring huge penalties.   Learn More About Properly Classifying Employees and Subcontractors: [Worker's Compensation Insurance Warning: Don't Misclassify Employees](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-Reading-PA/bid/174413/Workers-Compensation-Insurance-Warning-Don-t-Misclassify-Employees) ### Worker’s Compensation Insurance When Self-Employed Self-employed individuals are usually **exempt** from carrying worker's compensation insurance unless they own a corporation.  A corporation is a separate entity from an individual; therefore, WC insurance is required unless the owner is the only employee. If there are no employees except the owner of a corporation, the owner/president may elect to opt out such insurance by filing an "**executive officer exclusion**" form with the state.    ### Employer’s Liability Insurance Worker's compensation insurance also includes **Employer’s Liability Insurance**, which covers an employer against lawsuits from employees due to negligence.  An example of an insurance claim covered under employer’s liability insurance would be if an employee accidently cuts off his finger.  The employee would be entitled to workers compensation insurance coverage for all medical expenses and lost wages.  If the employee decides the employer was negligent for not fixing the slicing machine that he was using, and sues the employer for his loss of his finger, employer’s liability insurance would protect the employer.  ### Employer’s Liability Insurance Coverage Limits Employers liability insurance coverage is usually written with **separate limits** for one employee injury, for total employee injuries, and for a total employee disease amount. 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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