Answers to the questions we get every week.

We reduce WC costs through program-direct programs unavailable to retail brokers, aggressive claims management with dedicated specialists, proactive return-to-work programs, and experience modification control. Most clients see 20–35% savings immediately.

Your EMR compares your claims history to similar businesses. A rate of 1.0 is average. Below 1.0 reduces your premium; above 1.0 increases it. We actively manage claims to drive down your EMR, creating long-term cost savings.

Yes. We specialize in high-risk industries including construction, staffing agencies, transportation, and manufacturing. Our program-direct programs are specifically designed for businesses that traditional carriers view as too risky.

We assign dedicated claims specialists who work for you, not the insurance company. They proactively manage every claim, implement return-to-work programs, and fight to keep claims costs down — directly impacting your future premiums.

A Professional Employer Organization (PEO) becomes your co-employer, handling payroll, benefits, HR, compliance, and workers' comp. You maintain control of daily operations while we manage the employer infrastructure and risk.

A PEO is a co-employment model providing full-service employer solutions. An ASO (Administrative Services Organization) provides the same services but you remain the employer of record. We offer both models based on your needs.

No. You maintain complete control over hiring, firing, job duties, schedules, and daily operations. We handle the administrative burden — payroll, taxes, compliance, benefits, and risk management.

Yes. Our clients access Fortune 500–level benefits at small business prices. We pool employees across multiple companies, giving you enterprise purchasing power for medical, dental, vision, 401(k), and more.

Most clients are fully operational within 2–3 weeks. We handle the heavy lifting — system setup, employee enrollment, carrier transitions, and compliance verification — while you continue running your business.

Current payroll amounts, workers' comp rates and losses, number of employees by state, and your industry. From there, we can provide accurate savings projections within 24–48 hours. Brokers can upload an ACORD 130 and loss runs to our Agent Portal for an immediate indication.

We offer flexible terms because we earn your business every day through performance and results. Our focus is delivering value, not locking you into restrictive agreements.

You'll have a dedicated team including a Payroll Advisor, HR Business Partner, and Risk & Safety Consultant. No call centers — you work with real professionals who know your business.

We provide expert guidance on employment law, required posters, handbooks, OSHA compliance, and regulatory changes. Our team stays current on federal, state, and local requirements so you don't have to.

Yes. We manage payroll, tax compliance, and workers' comp across all 50 states. Each state has unique requirements — we handle the complexity so you can expand without administrative headaches.

We support you through audits. Our compliance team helps with documentation, responds to agency requests, and ensures you're protected. Many audits are triggered by simple paperwork issues we prevent proactively.

PEO pricing is typically a percentage of payroll or per-employee fee. However, most clients save money overall through workers' comp reductions, better benefit rates, compliance protection, and administrative efficiency. We focus on total cost of employment, not just PEO fees.

Full payroll processing, tax filing, workers' comp program management, HR support, compliance guidance, benefits administration, risk consulting, and dedicated account management. No hidden fees.

While we can't guarantee specific savings (every business is unique), we provide detailed ROI projections before you commit. Typical workers' comp premium reduction is 20–35%, plus long-term benefits from reduced claims and active mod oversight.