Virtually all employees must be covered by workers' compensation insurance (PA Stat. Tit. 77). The only exceptions are the following types of workers:
• Industrial home workers
• Casual workers employed outside the usual course of the employer's business
• Farmers with one employee working fewer than 30 days per year or earning less than $1,200 annually
• Licensed real estate salespersons or associate brokers paid by commission and considered independent contractors
Religious objections. An employee whose religion forbids insurance benefits may be exempted, but only if the religious group makes some provision for injured workers.