Essential Coverage for You and Your Staff
Many business owners might not fully appreciate the dangers of occupational injuries. Without the safeguard of workers’ compensation insurance, just one claim has the power to significantly harm a business financially.
As a professional employer organization, Peoplease pairs comprehensive coverage with proactive risk mitigation, so you are protected before, during, and after a claim. It is one more way our PEO services keep things simple for you and your team.
Coverage Without the Complexity.
Securing workers’ compensation insurance on your own can mean big up-front deposits, surprise audits, and hours of paperwork. Peoplease does it differently. Through our co-employment model, coverage is bundled right alongside payroll management, employee benefits administration, HR compliance, and risk mitigation in one simple package. Premiums are calculated from your actual business payroll each pay period, so your costs always match reality.
If you have been searching for a PEO for your small business, or you run crews in tough-to-cover industries like construction, staffing, or transportation, we speak your language. Our outsourced HR services even include specialized support like construction payroll services and certified payroll, so high-risk industries get coverage and compliance in one place.
Peoplease Workers’ Compensation FAQs
Do you provide workers' compensation coverage nationally?
Yes, we provide workers' compensation insurance coverage across the United States. Our insurance program gives you comprehensive workers' compensation protection in all 50 states to cover your employees no matter where they are located or travel for work.
Who is your workers' compensation carrier?
Peoplease partners with Chubb, an A+ rated insurance carrier, to provide our clients with comprehensive workers' compensation insurance coverage and services across all 50 states. It is the kind of big-carrier strength most businesses only get access to through a PEO company.
How do you manage workers' compensation claims?
We take an aggressive approach to investigating and handling workers' compensation claims, providing 24/7 access to medical professionals. We do everything necessary to get your injured employees the assistance they need, facilitate their return to work as quickly as possible, and keep your claims costs down. This includes thoroughly reviewing claims, coordinating proper medical care, exploring light duty options when available, and proactively managing the entire process from injury to resolution. Claims data is tracked in our employee management software, so you always have visibility into status and costs.
Will I still have annual workers' comp audits with Peoplease?
No, with Peoplease we provide pay-as-you-go workers' compensation, eliminating the need for annual audits. This ensures you only pay premiums for the actual payroll expenses each pay period, rather than making large up-front deposits based on estimates. Because your coverage runs through the same platform as our payroll services for small businesses, premiums align precisely with your real-time payroll, and payroll compliance stays airtight, avoiding substantial audits or adjustments after the fact. You simply pay for exactly what you use when you use it.
Will you work with me even if I have a high experience modification factor?
Yes, we can work with companies that have high experience modification factors or are considered hard to place for workers' compensation insurance coverage. We understand that high mod rates can happen, especially in certain industries. Our insurance partnerships and comprehensive risk mitigation services allow us to provide workers' compensation solutions even for businesses with less-than-ideal claims histories or risk profiles. Combined with HR outsourcing support to strengthen your workplace practices, we help you bring that mod rate down over time.