"Im thankful we had insurance that put us in a position for the future. Had we not had that, we would have not have survived the flood. That’s the truth. We might not have had the type of coverages we did had it not been for Spiris, who developed and proposed those coverages."
Testimonials
Julian Robinson
Administrator, Munster Med-In
Muncie, Indiana
Cullen S. Gibson
Vice President of Operations TLC Management, Inc.
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"I have worked with Spiris for several years and have found their organization to be a great partner and advocate for our Industry. It is critical these days to align yourself with other organizations that can bring you the best product that meets your ongoing needs. Spiris is a creative company that can certainly bring a product to your table that fits your business philosophy and financial needs. And more importantly, once the deal is struck, Spiris keeps working for you to find a better product if one is out there. I define this as staying on the cutting edge of the insurance market."
Workers’ Compensation quotes for PEO's
If you own or operate a Professional Employer Organization (PEO), you face unique challenges with regard to risk management.
Many insurance carriers will not write workers compensation insurance for PEOs, because of the diverse array of clientele in most PEOs, which creates an uncertain risk profile for the insurers. Those companies who do write PEO policies tread very carefully, relying on strong agent-carrier relationships, often charging relatively higher premiums, and requiring additional due diligence on behalf of the agent. These variables are responsible for wide-ranging workers compensation costs throughout the PEO industry.
PEO clients reduce workers’ compensation costs through:
- Carefully screening client companies
- Providing safety training
- Managing workplace injuries
- Offering return-to-work programs
- Clearly defining and understanding which company, the PEO or its client, is the employer of record and, therefore, eligible for the "exclusive remedy" provision.
We’ve learned that the agent can make the PEO look very good to its clients or very bad. Services that help you look good include:
- Offering monthly payment plans with no down-payment
- Issuing hassle-free Certificates of Insurance
- Rapidly handling claims
- Assisting with completing and maintaining OSHA 300 logs
- Conducting regular job-site reviews