Protect the business
Pay-as-you-go workers' comp and the coverages that actually get claimed.
Workers' compensation tied to real payroll instead of an annual estimate, plus the employment-related coverages small employers most often discover too late — EPLI, cyber, and fiduciary liability. We market these independently, and we tell you where a PEO's bundled comp beats a standalone policy.
Best for
Employers with deposit-heavy comp policies, large audit swings, or open claims.
- No deposit
- on pay-as-you-go comp programs
- No surprise
- year-end audit bills
- Claims
- advocacy and return-to-work support
What is included
Inside business insurance
Workers' compensation
Pay-as-you-go premiums calculated per payroll run, class-code review and experience-mod analysis.
EPLI
Employment practices liability for wrongful termination, discrimination and harassment claims.
Business owner's policy
General liability, property and business interruption bundled for smaller operations.
Cyber liability
Breach response, ransomware and the coverage most holders of payroll data should carry.
Fiduciary and crime
Protection tied to running a retirement plan and to internal theft exposure.
Safety programs
OSHA documentation, safety training and post-incident procedures that lower your mod over time.
Engagement
How we run it.
Same sequence every time, so you always know what happens next.
- 01
Coverage review
We read your current declarations pages and flag gaps and overlaps in writing.
- 02
Class code audit
Misclassified codes are the most common overcharge we find.
- 03
Market
Standalone carriers and PEO-bundled comp quoted side by side.
- 04
Manage
Claims advocacy, mod projection and pre-renewal strategy 90 days out.
Questions
Business Insurance FAQ
It is a multiplier on your comp premium based on your claims history versus peers. A 1.25 mod means you pay 25% more than average for identical payroll. It is manageable — but only with a few years of lead time.
Sometimes. PEO comp removes deposits and audits and is often easier for high-mod or hard-to-place risks. For clean, low-hazard businesses a standalone policy can be cheaper. We quote both.
In our view, yes. Defense costs on even a meritless discrimination claim routinely exceed $50,000, and small employers are not exempt from most claims.
Next step
Get business insurance quoted.
Send the basics and an advisor will come back within one business day with what we need and what it will likely look like.
Bring us your renewal. We will bring you options.
A 30-minute discovery call, a census, and you get a normalized comparison across Paychex and competing providers. No fee, no obligation, no pressure to switch mid-contract.