WHEN THE MARKET
SAYS NO,
WE SAY YES.
KeyHR's PEO program is the solution for insurance agents with hard-to-place workers' comp accounts. We provide coverage for the classes standard markets decline — and pay you a commission for every employee enrolled.
The Accounts Your Standard Markets Won't Touch
These are the class codes that cause standard carriers to decline or price out of reach. Through KeyHR's PEO program, we pool these risks across our entire book of business — giving us the scale to offer competitive coverage where others can't.
Don't see your class code? Submit the account — we assess all industries.
Why Insurance Agents Partner With KeyHR
Turn your unplaceable accounts into revenue. Keep your client relationships. Let us handle the rest.
Access 40+ Carrier Relationships
KeyHR's PEO program pools risk across thousands of employees, giving us access to workers' comp markets that are closed to individual employers. When your client can't get coverage, we often can.
Earn Commissions on Every Enrollment
You refer the client, we handle everything else. You earn a per-employee commission for every employee enrolled and continue earning as long as the client is active. No ongoing work required.
24-Hour Assessment on Hard Cases
Submit the account details and we'll tell you within 24 hours whether we can place it and at what approximate cost. No long underwriting delays, no wasted time on unplaceable accounts.
We Never Compete With You
KeyHR has no direct sales force targeting your clients. We are your back-office solution, not a competitor. Your client relationship stays yours — we just handle the HR and workers' comp administration.
Help Clients Lower Their EMR
Our safety programs and claims management services help clients reduce their experience modification rate over time — making them more placeable in standard markets in the future.
Dedicated Partner Manager
You get a named contact at KeyHR who knows your book of business, advocates for your accounts internally, and keeps you updated on deal status.
How It Works
Submit the Account
Fill out our broker submission form with basic account details: industry, employee count, state, and any known claims history.
24-Hour Assessment
Our underwriting team reviews the account and responds within 24 hours with a preliminary assessment and estimated cost range.
Full Proposal in 72 Hours
If the account qualifies, we deliver a complete proposal with pricing, benefits options, and implementation timeline within 48 hours.
Client Enrolls, You Earn
Once the client enrolls, your commission begins. You receive a commission statement monthly or quarterly depending on your partner tier.
I had a roofing contractor with a 1.8 EMR that nobody would touch. KeyHR placed them through their PEO program in 48 hours. The client saved money, I earned a commission, and I look like a hero. That's the KeyHR difference.