PEO Insurance


PEO: An Alternative to Workers-Compensation.

PEO stands for Professional Employer Organization. PEO’s typically combine Workers Compensation Payroll, HR, Benefits and some compliance for a comprehensive solution for Business’s. They also require what’s called a “co-employment agreement: essentially turning them into your employer of record. Meaning they assume the responsibilities of your HR and related liabilities.

We offer PEO’s for two types of companies, the ones that have a High X-mod (experience modification) or companies who have suffered multiple Work Comp related claims and also for those looking to outsource multiple aspects of a company’s back end office activities. Especially in California Work Comp can become a major expense and markets become limited. For example, if you have an employee under payroll without simultaneously and continually maintaining Work Comp, your only option to obtain coverage is State Compensation Insurance Fund. However, some PEO’s will still consider insuring you so a PEO can often become a much better solution than being stuck with State Fund. Why? Because no other insurance carrier will offer coverage in this scenario.

We don’t always recommend PEO depending on the situation, however it can be a fantastic solution if it fits your needs. One of the things we focus on doing at BIS is finding the right solution for your business. Offering extensive options with PEO’s allows us to better service your industry. Therefore we offer a wide selection of PEO’s to service any industry.

Some types of industries that benefit greatly by choosing a PEO are:

  • Temp-Staffing Agencies
  • Roofers
  • Contractors
  • Movers

However this is not a comprehensive list, feel free to contact us with an inquiries if you would like to find out if a PEO is right for you.

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