Professional Employer Organizations offer different work comp insurance
solutions to their clients. Knowing your best option is how we help.

For some industries, workers' compensation insurance is the most expensive cost of doing business. That's when using a PEO company who specializes in lowering workers' comp rates makes a lot of sense.

Utilizing the right PEO provider's master work comp policy can save you up to 40% off state rates and even deliver immediate savings on companies with poor claims history. Plus, their low to no down payment or policy fees allow for greater cash flow and you'll never deal with time consuming audits.

MASTER POLICY

Provider insures all their clients through a licensed carrier that is fully insured at "first dollar coverage" for claims made.

Best for: New or existing businesses looking to reduce rates, eliminate policy fees and audits.

CLIENT POLICY

An individual, portable policy written for your business and administered by the PEO company.

Best for: Clients with existing policies and a low experience rating, or unique industries not offered under a PEO's master policy.

MASTER DEDUCTIBLE POLICY

Similar to the master policy, except the PEO service is responsible for claims up to a certain limit (deductible) per claim with an aggregate limit to limit their exposure.

Best for: New or existing businesses in high risk industries, or with poor claims history looking to reduce rates, eliminate policy fees and audits.

CAPTIVE POLICY

A separate insurance company is set up by the PEO provider through another licensed carrier (a.k.a. "fronting company") for the purpose of writing insurance under the captive.

Best for: Unique industries, or new and existing businesses looking to reduce rates, eliminate policy fees and audits.

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