Bond and insurance by trade in Pennsylvania
TradeBondInsuranceWorkers' comp
General contractorNo bond requirement in HICPA.1Proof of liability insurance of at least $50,000 personal injury and $50,000 property damage (self-insurance attestation allowed) at registration.1Pennsylvania law requires workers' compensation coverage from any employer with at least one employee who could be injured or develop a work-related disease in the state.2
RoofingNo bond requirement in HICPA.1Proof of liability insurance of at least $50,000 personal injury and $50,000 property damage (self-insurance attestation allowed) at registration.1Ask PA Office of Attorney General
Can a Pennsylvania contractor be exempt from workers' comp?
Pennsylvania law requires workers' compensation coverage from any employer with at least one employee who could be injured or develop a work-related disease in the state. HICPA registration itself does not list workers' compensation as a registration item.2
What is a certificate of insurance?
It's the one-page summary (usually an ACORD 25 form) a contractor's agent issues to show the policies, limits and dates in force. How to read and check one
Sources
- PA Office of Attorney General: bond (palegis.us, 2026-10-27)
- PA Office of Attorney General: workers' comp (pa.gov, 2026-10-27)