Frequently Asked Questions About Workers Compensation

Is workers' compensation insurance required for my business in PA or MD?

Yes, in both states, with very few exceptions. Pennsylvania requires nearly every employer to carry workers' compensation insurance as soon as they have one employee — full-time, part-time, or seasonal — with narrow exemptions for certain federal, railroad, and agricultural workers. Failing to carry required coverage is treated as a serious offense in Pennsylvania and can carry significant fines and criminal penalties.

Maryland is even stricter: virtually every employer with one or more employees must carry coverage, with limited exemptions for small agricultural employers, sole proprietors, business partners, and independent contractors. Non-compliance in Maryland can result in fines as well.

Each state runs its own workers' compensation system, so the specific forms, deadlines, and exemptions differ — we help you sort out exactly what applies to your business before you're caught off guard.

Does workers' compensation cover an injury caused by employee carelessness?

In most cases, yes. Workers' compensation is a no-fault system — coverage generally applies regardless of who caused the accident, as long as the injury or illness happened as a result of job duties.

Can an employee still sue my business if they're injured on the job?

Workers' compensation is designed to limit that risk. In exchange for guaranteed medical and wage benefits, employees generally give up the right to sue their employer directly for a workplace injury — though workers' comp can also help protect you if a court finds your company liable for unsafe working conditions.

What does workers' compensation insurance typically not cover?

Workers' compensation covers job-related injury and illness, but it does not cover third-party lawsuits, claims over professional errors, wages for a temporary replacement worker, parental leave, or OSHA penalties. We can help you identify whether additional coverage, like General Liability or Errors and Omissions, is needed to fill those gaps.

How does Kelly Glass make workers' compensation coverage manageable for my business?

We work with local Pennsylvania and Maryland businesses to build workers' comp coverage that fits how you actually operate — including monthly payment options, coverage for temporary or contract staff, and responsive claims support. Our agents get to know your business so your policy reflects your real risk, not a one-size-fits-all rate.