Professional Employer Organization – “PEO”

Whether High-Mod, High Hazard, Multi-State Exposure, we have the capacity, access, and expertise to get the customer the right coverage for the right price.

Professional Employer Organizations give your clients the chance to outsource some of the more tedious business burdens and non-income producing functions such as payroll, HR management, benefits administration, and will most importantly enable them to obtain Workers Compensation at significantly reduced rates. Empire partners with the largest and most reputable Professional Employer Organizations nationally to provide your clients with affordable solutions and exceptional service.

With some programs offering Job Costing Software and multiple office integrations as well as multiple Payroll Delivery options – get appointed today to offer your clients the powerful tool chest of a PEO.  


PEO – A Vital Workers Compensation Loss Control & Cost Cutting Tool For Companies Nationwide

Program Features

Pay As You Go Workers Compensation at Reduced Costs

No Premium Deposit & No Premium Audits

Huge Cash Flow Advantages

Loss Control & Risk Management

Expert & Fair Claims Management

HR Services / Support

Full Compliance to ACA Requirements

Full Payroll Service Including Tax Remittance & Compliance

Very Little if Any Customer Service for Your Agency

Very High Retention Product - Continuous Until Canceled

PEO & Custom made Solutions – Tailored To Your Clients Needs

Unlike “standalone policies” where the policies are mainly the same, the main features of our PEO products is that we can tailor-make a program individualized for the account by adding and moving elements and parts around that together work to fit make a whole.

Special Deductible Plans, Dividend & Return of Premium Plans, as well as Custom Discounts & Credits for implementation of the service providers Loss Control procedures, are available. 

We want to assist you with your client needs, contact us and get appointed today!


A PEO Will Save Your Policy Holders Time & Money

Owner Responsibilities Before PEO

Owner Responsibilities After PEO

Submission Requirements


X-Mod Worksheet

3Year Loss Runs

Loss History Affidavit for Accounts with Lapse in Coverage or No Prior

Explanation of Claims over $20,000

Supplemental for Class of Work

Click to View Target Classes (Many More Available)

  • Artisan Contractors
  • Butane, Propane, LPG Dealers and Installers
  • Clearing, Grading or Land, Excavation
  • Demolition
  • Electrical Apparatus Installation
  • Electricians NOC
  • Excavation, Grading and Equipment
  • Farming
  • Framing and Carpentry
  • Freight Handlers
  • Gunite Contractors
  • Heavy Construction
  • In Home Care and Assisted Living
  • Janitorial
  • Landscaping
  • Manufacturing
  • Masonry and Concrete
  • Millwright Work
  • Oil or Gas Lease Work
  • Oil or Gas Well Supplies Equipment Dealer
  • Painting
  • Pipe or Tube Manufacturing
  • Pipe Reconditioning
  • Pool Plastering
  • Property Management
  • Residential Care
  • Residential Cleaning
  • Roofing
  • Staffing
  • Steel or Iron Fabrication or Erection
  • Swimming Pool Contractors
  • Transportation
  • USL&H
  • Warehouses

Click to View Eligibility & Target Markets For PEO Quotes

  • Accounts that are seeking to get out of a State Workers Comp fund, a state “assign risk pool” or “insurer of last resort”
  • Accounts are being Non-Renewed or canceled by the “standard market” due to losses or exposure
  • Any account that is headed to a State Insurance Fund, “assign risk pool” or “insurer of last resort”
  • Accounts that have X-Mods between 1.30 and 3.0, but will also look at Mods under 1.30 and even Credit Mods
  • Accounts that have a credit mod but being Non-Renewed by the current carrier due to heavy losses the prior year
  • Lapse in coverages
  • Accounts with No Prior coverage, tough or high hazard class code, multi-state exposure or adverse underwriting criteria
  • Any combination of the above that makes the account impossible or unlikely for the standard market to handle
  • Tough or High Hazard Class Codes with some or all of the above criteria
  • We will look at virtually any range of Class Codes from Clerical, to Manufacturers, Contractors, Health and Medical fields to name few

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