Pennsylvania Hardware Store businesses pay $66–$275/month.
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| Location | Est. Monthly Rate | Get Quote |
|---|---|---|
| Philadelphia | $89–$371/mo | Compare → |
| Pittsburgh | $76–$316/mo | Compare → |
| Allentown | $73–$303/mo | Compare → |
| Erie | $65–$270/mo | Compare → |
| Reading | $69–$289/mo | Compare → |
| Scranton | $66–$275/mo | Compare → |
| Bethlehem | $73–$303/mo | Compare → |
| Lancaster | $69–$289/mo | Compare → |
| Harrisburg | $69–$289/mo | Compare → |
| York | $66–$275/mo | Compare → |
| Philadelphia County | $89–$371/mo | Compare → |
| Allegheny County | $76–$316/mo | Compare → |
| Montgomery County | $81–$336/mo | Compare → |
| Bucks County | $78–$325/mo | Compare → |
| Delaware County | $79–$330/mo | Compare → |
| Chester County | $79–$330/mo | Compare → |
| Lancaster County | $69–$289/mo | Compare → |
| York County | $66–$275/mo | Compare → |
| Berks County | $69–$289/mo | Compare → |
| Luzerne County | $65–$270/mo | Compare → |
Hardware Store businesses in Pennsylvania typically pay $66–$275/month for workers' compensation insurance. Rates vary by city, revenue, employee count, and claims history.
Yes — Pennsylvania requires workers' compensation for most employers with at least one employee. Hardware Store businesses that skip coverage face stop-work orders and personal liability.
Workers' Compensation Insurance covers employee medical bills, lost wages, and employer liability for workplace injuries. For Hardware Store businesses, key covered scenarios include: Customer slip and fall in store; Product liability from sold merchandise; Employee injury during stocking.
Top exposures: (1) Customer slip and fall in store, (2) Product liability from sold merchandise, (3) Employee injury during stocking, (4) Shoplifting and employee theft.
Top carriers in Pennsylvania for Retail businesses: The Hartford, Travelers, Liberty Mutual, Nationwide, Coterie, Thimble, CNA, and Employers. Use ERGO Next to compare coverage options from top-rated commercial carriers.
Yes — most Hardware Store policies can be quoted, bound, and issued same-day. Your Certificate of Insurance is available immediately after binding.
Rate estimates reflect 2026 industry data adjusted for Pennsylvania cost index. Content reviewed by My Digital Kube editorial team, licensed commercial insurance professionals.