Workers’ Compensation Insurance


In our early years, there was no such thing as workers’ compensation insurance. Employees who were injured on the job sued their employers for relief, not a satisfactory path for either party. In 1915, Pennsylvania enacted workers’ compensation law, a mandated coverage for all employers in the Commonwealth. Gilbert’s Risk Solutions has been helping employers to manage their workers’ comp risk since those early days.

Workers’ Compensation is often called “The Grand Bargain” because it offers protections for both you and your employees. If an employee is injured in the course and scope of work, it will pay for all medical care and temporary wage replacement while they are unable to work. As the employer, you are protected from work-related lawsuits because workers’ compensation is the employee’s “exclusive remedy.”


Employers are legally required by OSHA to provide a safe and healthful workplace, free from hazards. There are numerous regulations and compliance issues related to workers’ compensation. Over our many years working with employers, we’ve learned a number of best practices that can help you keep losses and problems to a minimum, while helping your employees recover and return to work expeditiously. We work diligently to reduce the frequency and severity of any claims.


While we’re proud to call Pennsylvania our home, we’ve helped businesses all across the country manage their risk and we look forward to helping you, too – no matter where it is that you call home.

Best practices for controlling Pennsylvania workers’ compensation insurance costs


  • Engage a risk manager
  • Make a commitment to safety
  • Monitor for compliance with safety regulations
  • Educate employees about safety & workers compensation
  • Train supervisors in roles & responsibilities
  • Establish a safety committee
  • Implement a Return to Work (RTW) program
  • Set up a physician panel
  • Promptly report any injuries that occur to insurer, to state
  • Refer injured workers to Physician Panel
  • Stay in communication with any out-of-work injured workers
  • Help employees adjust to RTW transitional duty

Our goal is to be your outsourced risk management partner

Business owners know that there’s always something that can go wrong.  Whether it’s a production delay due to a problem in the supply chain or a worker injury on the plant floor, you need to protect your operations, your productivity, and your bottom line. Gilbert’s Risk Solutions can help.

Our goal is to be your outsourced risk management partner

Workers’ compensation is often a headache for employers, but with the right risk management and loss control in place, it doesn’t need to be. With Gilbert’s Risk Solutions, you can have experienced Pennsylvania workers’ compensation insurance professionals on your team. We’ve been helping area businesses control their risks and protect their bottom lines for seven generations – we invite you to learn why businesses renew with us year after year.

Our Process

Our workers’ compensation approach is consultative and diagnostic, focusing on identifying and reducing your exposures. Risk Managers and Loss Prevention Consultants complete a thorough Risk Assessment that begins with an on-site facility inspection to identify areas of actual and potential risk. We also review your company’s prior three-year loss experience in some depth. We produce a comprehensive loss analysis and customized loss prevention business plan addressing your company’s specific needs with the goal of reducing the frequency and severity of losses by 75% over a three year period.

Industry-Specific Solutions

Our Loss Prevention Consultants are experts in working with a wide range of industry sectors, from complex, high-risk industries, such as oil and gas, to smaller shops that have unique risks, such as technology firms and nonprofit organizations. We work all levels of the organization to implement controls, train staff, and work to continuous improvement. Whether it be establishing a safety committee, training on OSHA compliance, or improving your accident investigation process, we can help you to achieve results.

360 Degree Approach

Once we’ve evaluated your risk, we work collaboratively with you to establish objectives, standards, and steps of the engagement. Our Pennsylvania workers compensation team includes Loss Control, Risk Management, and Claims Managers. They are part of our larger service team that includes expert Benefit Managers, Human Resources Consultants, Bond and Contract Specialists, and Training Specialists. We also tap into the resources of our 100+ insurance partners. Gilbert’s Risk Solutions clients enjoy multi-pronged risk mitigation.