Workers' Compensation
WORKERS' COMPENSATION
Pay-as-you-go coverage through our master policy. No large upfront premiums, no end-of-year audit surprises, and expert claims management from day one.
Workers' compensation is one of the most significant insurance costs for small businesses — and one of the most complex to manage. Large upfront premiums, end-of-year audits, and the administrative burden of claims management consume time and capital that small businesses can't afford to waste. KeyHR's PEO model transforms workers' comp from a financial liability into a predictable, manageable cost.
The PEO Workers' Comp Advantage
When you join KeyHR, your employees are covered under our master workers' compensation policy — one of the largest in the country. This gives you access to coverage rates and terms that would be impossible to obtain as an individual small business.
More importantly, our pay-as-you-go model means your premiums are calculated based on actual payroll each pay period, not estimated annual payroll. You never overpay and wait for a refund, and you never underpay and face a large audit bill at year-end.
For industries with high workers' comp costs — construction, healthcare, hospitality, manufacturing — this alone can represent significant annual savings. Our group purchasing power and loss control programs have produced consistently favorable experience modifications that we pass through to clients.
Claims Management and Return-to-Work Programs
When an employee is injured, the quality of claims management in the first 24 to 72 hours has an enormous impact on the ultimate cost of the claim. KeyHR's dedicated claims management team responds immediately to workplace injuries, coordinating medical care, documenting the incident, and initiating the claims process.
Our return-to-work programs are designed to get injured employees back to productive work as quickly as medically appropriate — reducing claim duration and cost while supporting employee recovery. We work with treating physicians to identify modified duty opportunities that keep employees engaged and earning while they recover.
For businesses in high-risk industries, our proactive claims management approach has reduced average claim costs by 15 to 30 percent compared to industry benchmarks.
Loss Control and Safety Programs
The most effective workers' comp cost management strategy is preventing injuries before they happen. KeyHR's loss control team provides:
- Workplace safety assessments and hazard identification
- OSHA compliance guidance and documentation
- Industry-specific safety training programs
- Incident investigation and root cause analysis
- Safety program development and implementation
- Experience modification factor analysis and improvement planning
Clients who engage actively with our loss control programs typically see their experience modification factors improve over time, resulting in lower premium rates year over year.
Industry-Specific Coverage
KeyHR has deep expertise in the industries with the most complex workers' comp requirements:
- Construction: Multi-class code coverage, subcontractor compliance, certificate of insurance management
- Healthcare: Needlestick and bloodborne pathogen coverage, ergonomic injury prevention, back injury programs
- Hospitality: Slip-and-fall prevention, kitchen safety programs, high-turnover workforce management
- Staffing: Multi-site coverage, rapid headcount changes, temporary worker coverage
- Manufacturing: Machine guarding compliance, repetitive motion injury prevention, OSHA 300 log management
WHAT'S INCLUDED
- Coverage under KeyHR's master workers' compensation policy
- Pay-as-you-go premiums based on actual payroll — no upfront lump sums
- No end-of-year audit surprises or retroactive premium adjustments
- Dedicated claims management team available 24/7 for workplace injuries
- Return-to-work program coordination with treating physicians
- Loss control assessments and safety program development
- OSHA compliance guidance and documentation support
- Certificate of insurance management for subcontractors
- Experience modification factor monitoring and improvement planning
- Industry-specific safety training programs
- Incident investigation and root cause analysis
- Available in all 50 states
FREQUENTLY ASKED QUESTIONS
How does pay-as-you-go workers' comp work?
Instead of paying a large upfront annual premium based on estimated payroll, you pay workers' comp premiums with each payroll run based on actual wages paid. This eliminates overpayment, end-of-year audits, and cash flow strain from large lump-sum payments.
What happens if an employee is injured?
Contact KeyHR's claims team immediately — we're available 24/7. We coordinate medical care, document the incident, initiate the claims process, and manage the claim through resolution. You focus on your business; we handle the claim.
Can KeyHR cover employees in high-risk industries?
Yes. KeyHR has extensive experience with construction, healthcare, hospitality, manufacturing, and staffing — industries with complex workers' comp requirements. Our master policy covers all standard class codes.
How does the PEO model affect my experience modification factor?
When you join KeyHR, your claims experience is pooled with our entire client base under our master policy. Over time, clients who engage with our loss control programs and maintain strong safety records benefit from favorable experience modifications.
Do I need to maintain my own workers' comp policy?
No. Once you join KeyHR, your employees are covered under our master policy. You can cancel your existing workers' comp policy, which typically results in a pro-rated premium refund.
ELIMINATE WORKERS' COMP SURPRISES
Get a free quote and see how KeyHR's pay-as-you-go workers' comp coverage compares to what you're paying today.