Workers’ Compensation Insurance – Protect Your Employees and Your Business

If you have employees in Pennsylvania or Ohio, workers’ compensation insurance isn’t just smart—it’s the law. This coverage pays for medical care, rehabilitation, and lost wages if an employee gets hurt or becomes ill due to their work. It also helps protect your business from costly lawsuits related to those injuries.



At Rodgers & Co Insurance, we work with Pennsylvania employers to set up the right workers’ comp policy and guide Ohio businesses through their state system so they can meet requirements and keep operations running smoothly.

Why Workers’ Comp is Essential

From construction crews in Mercer County to retail employees in downtown New Castle, workplace accidents can happen anywhere. Workers’ compensation insurance is designed to:

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Cover medical expenses for work-related injuries and illnesses

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Replace a portion of lost wages while an employee recovers

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Offer death benefits to dependents in tragic cases

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Reduce the risk of employee injury lawsuits against your business

Without workers’ comp, you could face heavy penalties and financial exposure in the event of a claim.

Pennsylvania vs. Ohio Workers’ Comp Rules

  • Pennsylvania

    Most employers must carry workers’ comp if they have even one employee, whether full-time or part-time. PA uses private insurance companies, so we can shop multiple carriers to get you competitive rates and the right coverage.


  • Ohio

    Operates a monopolistic state fund through the Ohio Bureau of Workers’ Compensation (BWC). Private insurers cannot write workers’ comp there, but we can guide you through the enrollment process if your business operates in Ohio.

No matter which side of the PA/OH line you do business on, we’ll help you stay compliant and covered.

What Determines Your Workers’ Comp Premium

Your premium is based on:

  • Payroll Size

    The total annual payroll for covered employees

  • Job Classifications

    Businesses with fewer claims often enjoy lower rates

  • Claims History

    Businesses with fewer claims often enjoy lower rates

  • Safety Programs

    Implementing workplace safety protocols can reduce risk and may qualify you for discounts

We help clients improve workplace safety and maintain favorable claims histories to keep costs down over time.

Note: A BOP does not include workers’ compensation insurance —that must be purchased separately.

How Workers’ Comp Fits into a Complete Business Insurance Plan

Workers’ compensation covers your employees, but you may also need:

  • General Liability Insurance

    For third-party injuries and property damage

  • Business Owners Policy (BOP)

    Combines liability and property coverage for small businesses

  • Commercial Insurance Overview

    See all the ways we can protect your business

FAQs About Workers’ Compensation Insurance

  • Do I need workers’ comp if I only hire part-time staff?

    Yes—PA law requires coverage for any employee, even part-time or seasonal.

  • Are owners covered under workers’ comp?

    In PA, certain owners and officers can choose to be excluded, but coverage is optional for them.

  • Can independent contractors be covered?

    They typically aren’t, but misclassifying employees as contractors can cause problems—let us review your situation.

  • What if I don’t have workers’ comp when I should?

    In PA, penalties include fines, criminal charges, and being personally liable for claims.

Get Help with Your Workers’ Comp Coverage

Whether you’re starting a business and need your first policy or reviewing your current coverage, Rodgers & Co can help you get the right workers’ comp plan for your needs.