Gather Essential Employee Information
Collect each worker's job classification, payroll amount, and any prior claim history; these factors directly affect the premium calculation.
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Determine the Classification Code
Use the Pennsylvania Workers' Compensation Rating Bureau (PAWCRB) codes that match job duties; incorrect codes lead to inaccurate quotes.
Apply the Experience Modification Factor
If the employer has a claims history, calculate the experience modification (mod) factor, which adjusts the base rate up or down based on past losses.
Calculate the Base Premium
Multiply the payroll for each classification by the PAWCRB's manual rate, then apply the mod factor and any applicable discounts.
Include Additional Charges
Add state assessments, policy fees, and optional coverages such as employer's liability to arrive at the final quoted premium.
Present the Quote
Provide a clear breakdown showing payroll, rates, modifiers, and total cost; transparency helps employers compare options and understand pricing drivers.