Workers Compensation Insurance

Workers Compensation Insurance is one of the most basic costs of doing business, whether you’re a large, medium, or small-size company.  Workers Compensation Policies are designed to protect your employees against injury while they are on the job. Most businesses in the U.S. that have employees are required to have a policy for workers compensation. During 2018, 173,267 work injury and illness cases were reported in Pennsylvania with Berks County having the most Manufacturing injuries, according to the PA Bureau of Workers’ Compensation.

For over 60 years, Gallen Insurance has helped many businesses in Pennsylvania with their workers compensation insurance policies including bakeries, food products & services, breweries, car dealerships, carpenters, plumbers, HVAC techs, electricians, excavators, trucking companies, and towing companies.  We also work with many other industries including manufacturing, construction, waterworks, and contracting.  We can help any business or industry find the workers compensation plan that’s best for them.

“Gallen Insurance is our “go-to” for all our insurance needs.  We were drastically overpaying for Workers Compensation insurance, and had no idea.  Gallen Insurance mandated that the state conduct an audit on our business to ensure we were paying for the correct positions.  After the audit, our previous insurance company owed us over $15,000!  As a small business just starting out, we cannot express how grateful we are to have Gallen on our team.”

Paragon Behavioral Health Services LLC.

“In all the years we have been in business and paying workers comp on our policy, I never thought we could save so much money by switching to Gallen Insurance! They have the best service and competitive rates. We recommend Gallen to everyone we can!”

Arnold's Office Furniture

“Our old workman’s comp policy was increasing on a yearly basis and we were told that these are the best rates out there. Dan from Gallen insurance reached out to our company, and was able to save us several thousands of dollars on an annual basis, and their customer service is by far the best I have had in working with insurance companies and brokers. I highly recommend Gallen!”

TCstudios

Let Gallen Insurance take the guess work out of workers’ compensation. We represent many carriers with competitive pricing.

Use our contact form, email us, or call us today at 610-777-4123 to see if you are eligible for any additional credits on your current workers compensation insurance policies. You can also use our Workers Compensation Insurance Quote form below to route your inquiry direct to one of our specialized workers compensation insurance agents.

Advantages of working with Gallen Insurance for Workers Compensation policies:

  • • Non-auditable work comp
  • • No minimum payroll
  • • Earn a 5% safety credit
  • • Qualify for a construction credit
  • • Personalized loss control support
  • FREE CONSULTATIONS! Get new coverage / save on existing coverage!

There are three factors that go into setting workers compensation premiums:

  1. Interns and Workers Compensation Insurance advice from Gallen Insurance of Reading, PASize of the employer’s payroll
  2. Employee job classifications
  3. Company’s claims experience

We have many carriers offering competitive pricing and can determine if you’re eligible for additional credits on current policies!


(610) 777-4123 | Email Us | Worker’s Compensation Quote

We save you time, find the best coverage and help you qualify for maximum credits and savings.  Get an instant quote from one of our specialized workers compensation insurance agents with our Workers Compensation Insurance Quote form below.  You can also inquire with our contact form, send us an email, or call us today at 610-777-4123.

We’ll help you compare coverages and rates from our large selection of carriers, see if we can help you save money on your existing plan, or get you better coverage and savings with a new carrier.  

Frequently Asked Questions about Workers Compensation

Workers compensation insurance premiums are calculated according to how employees are classified (regarding the specific work they perform) and the rate assigned to each employee classification. The premium rate itself is expressed in dollars and cents per $100 of payroll for each class code. In Pennsylvania, the Pennsylvania Compensation Rating Bureau (PCRB) determines the classification rate and experience modification factor (MOD).

The basis for an employer’s workers’ comp insurance premium is your payroll. As stated earlier, for each $100 dollars of your payroll, there is a specific rate, which is determined by the classification codes of your employees. For the purpose of workers’ comp insurance, payroll is the total gross payroll for all employees. This includes all salaries and wages, bonuses, commissions, and draws against commissions, plus holiday, vacation, and sick pay. Tips, uniform allowances, employer-paid perks, and employer payments to retirement or cafeteria plans are excluded from this amount. Meals and lodging that are received as part of an employee’s regular pay must be included, but reimbursed expenses are excluded.

Businesses are separated into groups according to the type of work they perform. The classification system identifies which type of work presents more risk to the employees performs these tasks. As mentioned previously, for each classification of employee, the business owner must pay a certain amount for workers’ compensation insurance based on every $100 dollars of payroll.

Your experience modifier, or MOD, is a numeric representation of your company’s claim experience. MODs are based on how your business compares to others in your industry with similarly classified employees. An average MOD is set at 1.00. Employers with fewer and less severe accidents than average have a MOD of less than 1.00.

Employers in Pennsylvania must provide workers’ compensation coverage for all of their employees, including seasonal, part-time workers or even family members. Non-profit corporations, unincorporated businesses and even employers with only one employee must comply with Pennsylvania requirements. Sole proprietors and general partners are automatically excluded form coverage unless they specifically request coverage. If your business operates in multiple states, or employees travel across state lines to work, you may need to modify your policy to guarantee coverage in the event of a claim.

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All business owners with employees in Pennsylvania are required to carry workers’ compensation insurance.

If you need coverage, or if you already have coverage, Gallen Insurance can help!

Take advantage of our free, no cost workers compensation insurance consultation and evaluation.  We can help find additional credits for existing policies or help setup a new policy with the most adequate coverage at the best rates!

Use our contact form, email us, or call us today at 610-777-4123 to see if you are eligible for any additional credits on your current workers compensation insurance policies. You can also use our Workers Compensation Insurance Quote form below to route your inquiry direct to one of our specialized workers compensation insurance agents.

Compare your Workers Compensation Insurance options for FREE!

Get custom Workers Compensation Insurance solutions for your company today!

Dan McDevitt, CIC – Commercial Lines Producer
610-898-6502 | Email

Daniel McDevitt of Gallen Insurance provides free Workers Compensation Insurance consultationsWe’re here to help take the guess work out of workers’ compensation insurance. 

Are you eligible for any additional credits on your current policies?

Review existing coverages to see if you qualify for additional savings!

Dave Gallen CPIA
610-898-6522 | Email

Dave Gallen, Gallen InsuranceContact us today to see if you are eligible for any additional credits on your current policies!

2018 Berks County People's Choice Award presented to Gallen InsuranceTrusted Choice logoFor over 60 years, Gallen Insurance has helped residents of Pennsylvania with a variety of workers compensation insurance policies for all types of businesses and industries.

We’re also a Trusted Choice independent insurance agency and we recently won the Berk’s County People’s Choice award.

Our specialized workers compensation insurance agents work with a variety of carriers to deliver the most adequate coverage, best plans and lowest rates for workers compensation insurance!

Get a custom Workers Compensation Insurance Quote to suit your business needs today!

Complete the form below:

Enter your information for a customized workers compensation insurance quote.

An agent will contact you within 24 hours to help setup a new policy with the most adequate coverage at the best rates or find additional credits for existing policies.

Call or Email:

Dan McDevitt, CIC – Commercial Lines Producer
610-898-6502 | Email

Dave Gallen – CPIA
610-898-6522 | Email

Workers Compensation Insurance Quote

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Gallen Insurance provides Workers’ Compensation Insurance policies and coverage to residents of Berks County, the Greater Reading Area and throughout Pennsylvania.

Our Workers Compensation Providers

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