HIGH HAZARD 
Inclusive Workers Compensation Program



California Broker Resource Center

Program Overview

PEO Professionals, Inc. (www.peoprofessionals.com) is one of the largest independent Professional Employer Organization Brokerage firms in the country. We form joint ventures with some of the nation’s top “forward thinking” Commercial Banking and Insurance Marketing and Brokerage Organizations in order to provide “viable alternative” workers’ compensation coverage to high risk “troubled” accounts. PEO Professionals directly lends support and expertise to brokers in the field on behalf of its marketing partners.  


High Hazard Program Overview

An Employee Leasing Company or Professional Employer Organization (PEO) is designed to assist small, medium and large size companies to reap the benefits of being larger by applying the theory of strength in numbers.  Here is how it works, the PEO has a high deductible workers' compensation policy that entitles them to receive larger discounts than traditional policies and in turn passes that discounted rate onto its clientele.  This creates a win-win situation by combining all of its clients together like a large association or cooperative.  In addition, this large deductible allows the PEO to underwrite business risks or industries that other insurance companies would traditionally decline. Learn more about PEO’s at www.napeo.org.


Our PEO offers an all inclusive program which provides payroll processing, state and federal payroll tax filings, workers' compensation insurance at wholesale prices. 


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.


What if the Insured Decides to Go Back to Doing Business the Way they Were Before?


Not a problem, they just give notice and they can go back to the way they were doing business prior. Be sure that they obtain a Workers' Comp Insurance policy first, they will need to start doing their company's payroll, and begin filing their employer taxes shortly after they cancel their Employee Leasing /PEO service.


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