Easily request a certificate, file a claim, or request loss runs, all the essential forms and resources you need in one convenient place.
There are three ways to file a claim, call us at 1-800-711-1065, download an incident
report using the link below & email it to claims@smarterworkcomp.com, or you can contact
your carrier directly using the directory below.
If possible, please contact us before you file your claim. Our agents will be able to ensure
your claim is submitted quickly and accurately.
If you hire any individual to work on behalf of you and your business, you are required to carry workers compensation coverage.
YES! Any employee you pay on a 10-99 basis is still subject to workers compensation law. The only time a 10-99 employee would be exempt from coverage is if they furnish you with evidence of their own insurance, are free to work for any other individual or entity, and are not a full time employee of your organization. This includes salespeople, hair stylists, barbers, temporary employees, seasonal employees, employees paid commissions, day laborers, etc.
The State of Pennsylvania’s Law is located on page 8 of section 1 of this manual:
PA Workers Compensation Manual
Monopolistic Workers Compensation States are states that require you to purchase workers compensation benefits from the state’s Workers Compensation Bureau. There are four monopolistic states: Ohio, Wyoming, North Dakota, and Washington. Even if you carry workers compensation in another state, it is important to be sure it will cover you in a monopolistic state. You may be required to buy more than one workers compensation policy.
Policies can be paid in full, bi-annually, quarterly, monthly, or “pay as you go” using a payroll reporting form.
Pay as you go allows your workers compensation company to work with your payroll officer to provide monthly reports. A bill is calculated for the month and sent accordingly. This means you only pay for the exact coverage you need, and you can avoid a costly audit at the end of the year.
Yes, a Smarter Work Comp employee can help you coordinate your annual audits. Just call!
Certificates can be requested right through our website, free of charge. Turnaround time is typically 1-2 hours and is always less than 24hrs.
Claims can be filed by submitting a an incident report form or directly to the insurance company. Please visit our claims section for additional detials.
A class code is a three or four digit numerical code assigned by NCCI (National Council on Compensation Insurance) or a State Rating Bureau like the PCRB (Pennsylvania Compensation Rating Bureau). Class codes are assigned to differentiate between the various job duties or scope of work performed by employees. You can find a full list of classification codes here.
