Why utilize a PEO over Standard Lines of Workers' Compensation Insurance and General Liability Insurance?

Our PEO offers an all inclusive program which provides payroll processing, state and federal payroll tax filings, workers' compensation insurance, general liability insurance and HR services at wholesale prices. This program is offered as No Down Payment and Pay-As-You-Go therefore eliminating intrusive year end audits.

How is that possible?

An Employee Leasing Company (PEO) allows small businesses to reap the benefits of being larger by engaging the principle of strength in numbers. All Industry Underwriter's Employee Leasing Program grants discounts on Workers' Compensation, General Liability and Employee Benefits which are typically only offered to larger companies.

How do we accomplish this?

Our Employee Leasing Program combines each individual company under one master insurance policy. Because this master policy is partially self insured and due to the large amount of Workers Compensation premium collected as a whole from all of our clients, we are able to purchase Workers' Compensation at a much lower rate than traditional companies. In turn, we pass these savings directly to our clients. In addition, our Employee Leasing/PEO program brings a large array of commercial insurance products and services to smaller companies that are typically out of reach. Let's face it, it's a fulltime job implementing Employee Benefits like Major Medical Insurance, Human Resources, Claims Management and the list goes on and on. This relationship will aid your company in retaining and attracting the highest caliber of employees.

Our leasing company will handle:

• Payroll Services
• Payroll check processing including direct deposits
• State unemployment tax deposits
• Federal withholding tax deposits
• 941 and 940 filings
• State unemployment tax return filing
• Child support garnishments
• W-2 and W-3 filing and distribution
• Job costing reports
• Customized payroll reports
• Certified payroll reports
• Eliminate IRS payroll tax audits
• Employee document maintenance and storage



• Workers' Compensation
• Elimination of Workers' Compensation premium deposits (Pay As You Go)
• Elimination of Workers' Compensation premium audits (Pay Only For What You Use)
• Workers' Compensation claim management and administration
• Safety manual development
• Aggressive fraudulent claim defenses (large deductible they will fight the claim for you)
• Safety training services
• Drug free workplace development and administration
• OSHA record keeping assistance
• Human Resources Services
• Return to work program development and coordination
• SUTA claims, hearings and appeals administration
• Provide Federal and State labor postings
• Employee job description development assistance
• Employee handbook development
• Assist in managing and resolving employee conflicts
• Assist with employee termination issues
• Assist with employee performance reviews
• ADA compliance assistance
• Wage and hour claims assistance
• PRWORA compliance assistance
• FMLA compliance assistance
• COBRA Administration



• Employee Benefit Services
• Attract better employees
• Administration of employee benefit plans
• Employee benefit plan enrollment
• Administration of Section 125 Plans (no payroll tax on qualified benefits)
• Provide access to group health insurance plans
• Address employee benefit inquires, claims, and questions
• Administer 401k plans and other retirement plans
• Provide access to dental plans
• Provide access to employee discount programs

What if I decide to go back to the way I was doing business before?

• Not a problem, just give notice and you can go back to the way you were doing business prior. Be sure to obtain a Workers' Comp Insurance policy first, start doing your company's payroll, and begin filing your business taxes the day you cancel your Employee Leasing /PEO service.

If I am a new or small business owner why can't I receive a discount with traditional workers' compensation insurance?

NCCI Requirements:

In the state of Florida when you have annual workers compensation premium below $5,000 you will not acquire a Workers' Compensation rating through the National Council on Compensation Insurance (NCCI). To develop an experience rating that could grant you a discount or an increase you will need to pay in a minimum of $10,000 in Workers' Compensation premium in one year or an average of $5,000 over a two or three year period.

Please call one of our agents today and ask for a Quote on a Standard Workers' Compensation and General Liability policy and see if an Employee Leasing/PEO program is more advantageous for your business.

We will provide options and you decide…

Call now for a non intrusive Quick Quote: 877-9772667