PEO Insurance Programs

Workmans Comp Basics for PEO Insurance programs

The basic Workmans Comp Policy configurations for PEO insurance programs is an essential element to obtaining proper coverage. In consideration of a well structured insurance plan that maintains alignment with your client requires unique understanding and effort to insure proper work-site compliance; therein, the following information is provided to give a high level view of the basic workmans comp structure, policy types, program types, and unique endorsements necessary for PEO’s.

Part I and Part II of Workers Compensation Policies

Part I – Workmans Comp Insurance

Part I administered and is defined by each state “Bureau of Workmans Comp” aka: BWC or “Office of Workmans Comp.” In most cases the BWC will establish the rules and enforcement of such in the state statutes. The limits of coverage are typically unlimited and no-fault in nature. It primarily covers medical, rehabilitation and disability payments to employees for injuries sustained in the course of work.

Part II – Employers Liability

Part II consists of “Employers Liability” which as defined by Business Dictionary as an “Insurance policy that protects employers from liabilities arising from disease, fatality, or injury to employees resulting from workplace conditions or practices. Some jurisdictions make it compulsory for employers to buy such insurance.”

Employer Liability Limits

There exists three defined limits of coverage listed below:

$100,000 per occurrence for bodily injury
$100,000 per employee for bodily injury by disease
$500,000 policy aggregate

Increased Limits

These limits of coverage can be increased by endorsement and the payment of additional premium to cover the increase coverage amounts. The basic limits as shown above are the base amounts. The typical limit that most PEO Insurance Programs afford or are ascribed to are:

$1,000,000 per occurrence for bodily injury
$1,000,000 per employee for bodily injury by disease
$1,000,000 policy aggregate

PEO Insurance Program | Policy Types

The purpose of this section is to provide insight into the various PEO Insurance Programs and policy types that are available. There are three basic types of policies that a PEO can secure on behalf of the PEO and their clients. To see more about each type of policy click on the links below. The three main types of policies that are accepted industry standards would include:

Workmans Comp Endorsements for PEO’s

The PEO Insurance program model for coverage consists of the Co-Employer Agreement that assumes liability by contract for additional employees under the site supervision of another employer. Under this model the differing endorsements are necessary to insure compliance and full work-site coverage.

For a listing of unique endorsements for use in PEO Insurance Program coverage…click here!

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