Workers' Comp Through a PEO — Group Rates, No Deposits

When you join Key HR's PEO, your employees are covered under Key HR's master workers' compensation policy. This means you benefit from group rates based on the combined claims history of all Key HR clients — not just your own. You pay premiums as a percentage of actual payroll each period, with no large upfront deposits and no annual audit surprises.

For most Florida businesses — especially those in high-risk industries like construction, healthcare, and hospitality — PEO workers' comp is significantly cheaper. The group rate benefit is most pronounced for businesses with a high experience modification rate (EMR) or those in industries with high base rates. Key HR clients typically save 15–35% on workers' comp costs.

If you leave Key HR's PEO, you'll need to obtain your own workers' compensation policy. Key HR provides 60 days' notice and full documentation to help you transition smoothly. Many clients who leave do so because they've grown large enough to self-insure or qualify for better standalone rates — which is a success story, not a problem.

Yes. Key HR's claims management team handles the entire workers' comp claim process — from first report of injury through medical management, return-to-work coordination, and claim closure. We work directly with the insurance carrier on your behalf so you can focus on your business.

Industries with high workers' comp rates benefit most: construction (especially roofing, electrical, plumbing), home health and healthcare, hospitality (hotels, restaurants), landscaping, manufacturing, and staffing agencies. These industries often see the largest cost reductions through Key HR's master policy.