Workers’ compensation insurance, though mandated by federal policy, is a state-based program, and every state runs it differently (see related story, Florida, California Model Workers’ Compensation Reform).

“Unless a contractor has the resources to investigate how the state system works, it’s difficult to even know what opportunities exist to save on premiums,” says George Macaluso, Associate Director of the LHSFNA Occupational Safety and Health (OSH) Division. “PENNSAFE is a case in point.”