PEO for Construction Companies
Construction workers' comp is where PEO proposals differ the most. As a former workers' comp underwriter, I compare how each PEO would classify, price and cover your crews, so a low rate does not turn into a surprise at audit.
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​Based in Tampa Bay, serving contractors across the continental US. Your comparison is free, with no obligation.
Who I Help
Built for Contractors
and the Trades.
I help general contractors, contractors that subcontract 100% of their work, and artisan trades such as electrical, plumbing, HVAC, carpentry, painting and drywall, plus roofing, landscaping and site work.
Many PEOs limit higher-risk trades. I start with providers that accept your type of work, then compare them side by side so you can choose with confidence.
Workers' Comp Expertise
Subcontractors and Audits.
If you subcontract most or all of your field work, you still need clean certificates, the right coverage for your own employees and good audit records. I compare PEOs that understand this setup and explain what each one will require from you.
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​Uninsured subcontractors can be charged back to your payroll at audit. I review each PEO's certificate requirements, audit timing and records so the final bill matches the proposal.
Benefits and Retention
Benefits That Help You
Keep Good Crews.
Skilled labor is hard to find and harder to keep. A PEO can give a smaller contractor access to health plans and other benefits that help you compete with larger firms. I compare plan options, employer costs and enrollment support across providers.
I explain the costs, coverage and contract behind each proposal. My brokerage guidance costs you nothing. The PEO you select charges for its services, and I help you understand those charges before you decide. Need major medical coverage outside of a PEO? I can connect you with a licensed health insurance partner for a quote.
What I Review Closely
The areas I check in every construction PEO proposal, so one attractive rate does not hide the real cost of workers' comp, benefits and payroll.
Class Codes
How each PEO classifies your crews and prices each trade code.
Your experience mod, loss runs, safety programs and claims support.
Mod & Claims
Audits
Audit timing, the records you need and payroll changes during the year.
Subcontractors
Certificate rules and how uninsured subs are charged back at audit.
Total Cost
Admin fees, workers' comp, benefits and payroll taxes, all together.