Protect your employees and your business with comprehensive workers' compensation coverage across 15 states. We specialize in high-risk industries and provide competitive rates in Syracuse, Rochester, Buffalo, Albany, Philadelphia, Tampa, and beyond.
PCFG Insurance is a veteran-owned insurance agency with proven expertise in workers' comp for construction, manufacturing, transportation, healthcare, and more.
Workers' compensation insurance provides medical benefits and wage replacement to employees who are injured or become ill as a result of their job. It also protects employers from lawsuits related to workplace injuries. In most states, including New York, Pennsylvania, and Florida, it's legally required once you have employees.
We have extensive experience providing workers' compensation coverage for high-risk industries across all our licensed states.
Specialized construction insurance coverage for general contractors, subcontractors, and specialty trades with competitive rates for high-risk work.
Comprehensive coverage for manufacturing operations with focus on machinery-related risks and safety programs.
Specialized workers' comp for trucking companies, delivery services, and logistics operations.
Tailored coverage for healthcare facilities with focus on lifting injuries and exposure risks.
Affordable coverage for retail stores, restaurants and bars, and hospitality businesses with high employee turnover.
Specialized coverage for farming operations with understanding of seasonal work and equipment risks.
We provide specialized workers' compensation coverage for businesses in major cities across New York State.
Workers' compensation requirements vary by state. We ensure your business stays compliant across all our licensed states.
Understanding these factors can help you manage your workers' compensation costs effectively.
Each job type has a classification code with different risk levels and base rates.
Premiums are calculated based on your total payroll for covered employees.
Your experience modification factor (EMR) adjusts rates based on past claims.
Effective safety programs can earn discounts and reduce claims frequency.
Regular safety training reduces accidents and claims
Help injured employees return to work faster
Ensure employees are properly classified
Many states offer discounts for certified programs
Review payroll and classifications annually
Compare rates and services from multiple carriers
Understanding the claims process helps ensure injured employees get the care they need quickly and efficiently.
Provide immediate medical attention and ensure employee safety.
Report the injury to your insurance carrier within required timeframes.
Insurance carrier investigates the claim and determines coverage.
Medical treatment and wage replacement benefits begin for covered claims.
Get answers to common questions about workers' comp insurance for businesses in New York, Pennsylvania, Florida, and beyond.
Workers' compensation costs vary based on your industry classification code, payroll amount, claims history (EMR), and state. On average, businesses pay $1 to $2 per $100 in payroll, but high-risk industries like construction can pay $5-$10 or more per $100. Contact PCFG Insurance for a customized quote based on your specific business needs.
Workers' compensation requirements vary by state. Most states require coverage once you have 1 or more employees, though some states have higher thresholds (3-5 employees). Construction businesses often must have coverage with just 1 employee. Penalties for non-compliance include heavy fines, stop work orders, and personal liability for claims.
Workers' compensation covers medical expenses for work-related injuries and illnesses, wage replacement during recovery, disability benefits for permanent injuries, vocational rehabilitation services, and death benefits for surviving family members. It protects both employees and employers from the financial impact of workplace injuries.
Yes. You can reduce costs by implementing safety training programs, maintaining a drug-free workplace, ensuring accurate job classifications, establishing return-to-work programs for injured employees, and maintaining a good claims history. Many states offer discounts for certified safety programs. PCFG Insurance can help you identify cost-saving opportunities.
Employers should report workplace injuries to their insurance carrier within 24-48 hours. Employees should report injuries to their employer immediately. State filing requirements vary, but prompt reporting ensures faster claim processing and helps protect both the employee and employer. PCFG Insurance provides dedicated claims support to guide you through the process.
PCFG Insurance provides workers' compensation coverage in 15 states: Alabama, Arizona, Florida, Georgia, Indiana, Maryland, Maine, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Texas, and Virginia. We serve businesses throughout major cities including Syracuse, Rochester, Buffalo, Albany, Philadelphia, Pittsburgh, Tampa, and beyond.
Have more questions? We're here to help.
Get Your Free QuoteOur expertise in workers' compensation insurance helps protect your business and employees across 15 states.
Specialized knowledge of high-risk industries and their unique workers' comp needs.
We shop multiple carriers to find you the best rates and coverage options available.
Dedicated claims support to help you navigate the process and get employees back to work.
Learn more about our veteran-owned team or explore our other business insurance solutions.
Get a competitive workers' compensation quote today. Our experts will help you find the right coverage at the best price across all our licensed states.