Insurance Resources & Tools

Free tools to help Pennsylvania and New Jersey businesses make smarter insurance decisions. Calculate costs, lookup class codes, and plan your renewal timeline.

Benefits Cost Calculator

Estimate your per-employee costs and potential savings

Workers Comp Class Code Lookup

Find your industry classification and typical rates for Pennsylvania

Code 8810Low Risk

Clerical Office Employees

Typical PA Rate: $0.19 per $100 of payroll

Code 5645High Risk

Carpentry - NOC

Typical PA Rate: $8.63 per $100 of payroll

Code 5403Medium Risk

Carpentry - Installation Only

Typical PA Rate: $6.42 per $100 of payroll

Code 5190Medium Risk

Plumbing NOC & Drivers

Typical PA Rate: $5.96 per $100 of payroll

Code 5213High Risk

Concrete Construction NOC

Typical PA Rate: $11.35 per $100 of payroll

Code 5022High Risk

Masonry NOC

Typical PA Rate: $10.87 per $100 of payroll

Code 5506High Risk

Street or Road Construction

Typical PA Rate: $9.24 per $100 of payroll

Code 5474Very High Risk

Painting - Metal Structures

Typical PA Rate: $15.72 per $100 of payroll

Code 5437Medium Risk

Painting - Interior Only

Typical PA Rate: $4.85 per $100 of payroll

Code 5606Low Risk

Contractor - Executive Supervisors

Typical PA Rate: $3.64 per $100 of payroll

Code 3724High Risk

Trucking - Long Distance

Typical PA Rate: $7.89 per $100 of payroll

Code 7380Medium Risk

Drivers - Truck: Local

Typical PA Rate: $6.12 per $100 of payroll

Code 8742Low Risk

Salespersons - Outside

Typical PA Rate: $1.47 per $100 of payroll

Code 8810Low Risk

Clerical Office Employees NOC

Typical PA Rate: $0.19 per $100 of payroll

Code 9015Low Risk

Building - NOC - All Employees

Typical PA Rate: $0.74 per $100 of payroll

Code 8017Low Risk

Retail Store NOC

Typical PA Rate: $1.52 per $100 of payroll

Code 8018Low Risk

Wholesale Store NOC

Typical PA Rate: $2.31 per $100 of payroll

Code 3632Medium Risk

Machine Shop NOC

Typical PA Rate: $3.89 per $100 of payroll

Code 2501Low Risk

Clothing Manufacturing

Typical PA Rate: $2.67 per $100 of payroll

Code 3076Low Risk

Electrical Apparatus Manufacturing

Typical PA Rate: $1.94 per $100 of payroll

Note: Rates shown are typical Pennsylvania averages and vary by carrier, experience modifier, and claims history. Your actual rate may differ. Contact us for a precise quote based on your specific business profile.

Renewal Timeline Checklist

Stay on track with your benefits renewal process

Progress: 0 of 15 completed0%
12 Months Before RenewalPlanning

Review current year's claims data and identify trends

12 Months Before RenewalPlanning

Evaluate employee satisfaction with current benefits

9 Months Before RenewalAnalysis

Request Plan Design Audit from HBG Insure

9 Months Before RenewalAnalysis

Review workforce demographics and anticipated changes

6 Months Before RenewalAnalysis

Receive and review Plan Design Audit findings

6 Months Before RenewalStrategy

Explore alternative funding options (self-funded, level-funded, captive)

5 Months Before RenewalShopping

Request proposals from carriers based on recommended plan designs

4 Months Before RenewalShopping

Compare proposals side-by-side with current coverage

3 Months Before RenewalDecision

Make final carrier and plan design selection

3 Months Before RenewalDecision

Review and finalize employee contribution strategy

2 Months Before RenewalImplementation

Prepare employee communication materials

2 Months Before RenewalImplementation

Schedule benefits enrollment meetings

1 Month Before RenewalImplementation

Conduct employee enrollment meetings

1 Month Before RenewalImplementation

Finalize enrollment and submit to carrier

Renewal DateLaunch

Confirm coverage is active and ID cards are distributed

Need Help With Your Renewal?

Don't navigate the renewal process alone. Our Plan Design Audit helps you stay ahead of deadlines and make informed decisions 9-12 months before your renewal date.

Schedule Your Plan Design Audit

Ready to Optimize Your Insurance Program?

These tools provide estimates and guidance, but every business is unique. Get a personalized Plan Design Audit tailored to your specific situation.

Request Your Free Plan Design Audit

These satisfied clients started with a simple,
no-obligation Plan Design Audit...

"On our Blue Cross Plan, Chris provided identical Blue Cross coverage and we saved $130,000 annually."

— J&S Electrical

"My previous agent gave me a 0% increase but Chris came back with 100% coverage at a savings of 35% below current."

— AT Construction

"Chris' knowledge of rolling out health benefits for over 10 years to our employees got us 100% Blue Cross coverage at 40% lower rates."

— Particle Size Technology

Frequently Asked Questions

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Ready to Design a Better Plan?

Request a free Plan Design Audit and discover smarter benefit options before your next renewal.

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