Pennsylvania certificate of insurance requirements
Pennsylvania's Construction Workplace Misclassification Act has tightened WC enforcement for construction subs. Verify WC coverage carefully on every PA construction COI, especially for owner-operators classified as 1099 by their hiring contractor.
Auto liability minimums
$15,000 / $30,000 / $5,000 personal; $1M CSL typical commercial.
Workers' compensation
Workers' compensation required for virtually all employers, including those with one employee. Sole proprietors and certain LLC members may be exempt.
State-specific quirks
Pennsylvania law (Act 72) imposes penalties for misclassifying construction workers as independent contractors. Affects WC verification on subs.
PA auto insurance includes a limited-vs-full tort election; affects how auto COIs are interpreted for non-fleet commercial use.
Notable industry callouts
- Construction. Misclassification Act drives strict WC verification on PA construction subs.
How COIflow handles it
Pennsylvania requirement profiles live alongside your contract and lease requirements in COIflow, so every cert your agency issues or verifies for a PA-based insured is checked against the right WC threshold, AI wording, and state-specific endorsement forms — without your CSRs having to remember the differences.
Disclaimer. This summary is for reference only. It is not legal advice and not coverage advice. Verify current statutes, regulations, and case law with licensed counsel and your carriers before relying on it for a specific risk.