• Home
• Workers Compensation

Workers Compensation in Pennsylvania and Maryland

Find Workers Compensation Insurance in Lancaster, PA

Your employees are the heart of your business. Some work in restaurant kitchens in Lancaster city, while others work in warehouses near Mountville, on farms outside Gap, or in offices in Akron and Landisville. Workers compensation insurance helps take care of them if they are hurt or become ill because of their job. HomeSale Insurance Services partners with employers across Lancaster County, Pennsylvania, and Maryland to put the right coverage in place.

How This Coverage Protects Your Team

Workers comp is designed to provide benefits to employees with work-related injuries or illnesses, generally regardless of who was at fault. A policy can help pay for:

• Medical care, including doctor visits, hospital stays, and rehabilitation
• Lost wages while an employee recovers and cannot work
• Disability benefits for injuries with lasting effects
• Death benefits to support an employee's dependents

Most policies also include employer's liability coverage, which can help protect your business if an employee injury leads to a lawsuit.

Meeting Your Responsibilities as an Employer

Pennsylvania and Maryland generally require most businesses with employees to carry workers compensation, though rules and exceptions can vary by industry and business structure. Our agents can help you understand what applies to your business, review your employee classifications, and coordinate this coverage with your General Liability Insurance and other business insurance.

Workers Compensation FAQ

Does a business owner's policy include workers compensation?

No. It is written as a separate policy from a Business Owner's Policy.

Are part-time or seasonal workers covered?

In many cases, yes. Contact our agents to review how your part-time and seasonal staff should be included.

What should I do if an employee is injured?

Make sure the employee gets medical care, document what happened, and report the injury to your insurance carrier promptly.

Get Help Protecting Your Lancaster Team

Support the people who support your business. Contact us or call 800-425-5130 to speak with a HomeSale Insurance Services agent about coverage for your employees.