Programs that help you minimize risk and control cost.

Workplace injury or illness can’t always be avoided, but you can avoid the financial impact. We’ll help you minimize risk and control workers’ compensation costs.
Penn Community Insurance Agency offers workers’ compensation products to businesses in Bucks and Montgomery counties and throughout Pennsylvania.

At Penn Community Insurance we know that, as a business owner, making sure your valued employees are safe and healthy is one of your main concerns. We also know that sometimes accidents happen. Running a business is costly enough as is, and employee illness or injury can really add to your expenses. After all, if you or one of your employees are unable to work due to an injury, there is a definite financial impact.

That’s why we offer a variety of Workers’ Compensation and Risk Management services. We’re here to help your employees get the treatment they need to recover and return to work sooner. As a local, independent insurance agency, we represent multiple insurance companies that specialize in Workers’ Compensation. This allows us to keep your best interests in mind, and help you tailor coverage that is perfectly suited to the needs of your business.


of employers are overpaying for workers’ compensation coverage. Are you?

Here’s how Penn Community Insurance may be able to help lower your rates:

Your premiums are determined by your Experience Modification Factor (EMF)—the lower the better! We have the services you may need to help keep your EMF low:

Experience Modification Factor Analysis and Audit

Up to 50% of all EMF’s are estimated to be wrong. We may be able to help ensure that yours is correct, and that you’re not overpaying for coverage.

Hiring Practices

Ensuring that each new hire is qualified and safety-minded is the first step to avoiding workplace injury. Our experts may be able to help you avoid hiring your next Workers’ Compensation claim.

Primary Prevention Strategies

Did you know that 90% of workplace injuries are caused by unsafe practices rather than unsafe conditions? We may be able to help you to implement strategies to you and your employees avoid accidents and injuries.

Secondary Prevention Strategies

The costs associated with a Workers’ Compensation claim rise rapidly, increasing your company’s EMF. We may be able to help you put plans into place that prevent these costs from spiraling out of control.

Premium Audit Planning

Don’t let costly year-end audits take you by surprise. Our pre-audits may be able to help you keep year-end costs low, and make sure that you receive every reduction you’re qualified for.