What We Do
Workers' Comp for Staffing & PEO Firms
Workers' comp for staffing firms and PEOs: employer-of-record cover spanning many worksites, class codes, and the payroll audits they bring.
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Workers' comp for staffing and PEO firms
Staffing firms and PEOs are usually the employer of record, so they own the workers' compensation exposure for people spread across many client sites and job classes. The result is a more complex rating and audit than a single-location employer faces, and a program that has to be built for it.
What this policy responds to
The core exposures this coverage line responds to.
Medical costs and lost wages for placed workers injured on the job
Employer liability across multiple client worksites
Coverage spanning many class codes and states
Support through the payroll audit that drives the final premium
Typical operators on this line
Who we most often place this coverage for.
Temporary and direct-hire staffing agencies
Professional employer organizations (PEOs) and ASOs
Recruiting firms placing workers into hands-on roles
What this policy does not cover
Common gaps clients assume are included. These usually need a separate line or an endorsement.
Placement and screening errors, which sit with professional liability
Employment-practices claims, covered by EPL
Third-party injury or property damage, covered by general liability
What drives the cost
Underwriters price this line on your specifics, not a flat rate. These are the factors that move a premium up or down.
Payroll by class code across every placement you make
The mix of light-duty versus higher-hazard placements
Your experience modification factor and claims history
The states you place workers in and their statutory rules
Checklist
Workers' Comp for Staffing & PEO Firms checklist
Tell us about your operation
Share what your business does, your revenue band, and the contracts or clients driving the need. This sets the exposures an underwriter will price.
We market your risk to carriers
Our agents take your profile to the carrier panel that writes this line, then compare terms, limits, and exclusions side by side.
Review quotes and choose limits
You see the options in plain language: what each policy covers, where the gaps are, and how the limit and deductible change the premium.
Bind coverage and get your documents
Once you pick a quote, we bind the policy and send your certificate and policy documents, usually within one business day.
Manage renewals and changes
As your business changes, we adjust limits, add endorsements, and handle the renewal so coverage keeps pace with your exposure.
FAQ
Frequently Asked Questions
Related Pages
Licensing regulations by state
Licensing regulations by state
Where you operate shapes what you file
52 of 52 jurisdictions documented. Pick a state to see the regulator, the license rule, and the bond.
What We Do
Why Cornerstone Licensing for workers' comp for staffing & peo firms
- States covered
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All 50
States covered
Filings, agents, and renewals everywhere you do business.
- Specialist assigned
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1:1
Specialist assigned
A real person who knows your filing inside out, start to finish.
- Surprise fees
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0
Surprise fees
Transparent scope and quote up front. No add-ons mid-stream.
What We Do
Workers' comp for staffing firms and PEOs: employer-of-record cover spanning many worksites, class codes, and the payroll audits they bring.
Cornerstone Licensing
How we use AI
AI helps our licensing team work faster. Our specialists still own every call.
For Workers' Comp for Staffing & PEO Firms filings, AI helps our team find the right starting point quickly and reuse data you have already given us, so the work moves without extra effort from you. A licensed Cornerstone specialist reviews everything before it leaves our hands. Your information stays on our infrastructure, not in a public LLM.
On Our Infrastructure
Our models run on Cornerstone servers, not public chatbots. Your business information is not sent to a third-party LLM or used to train anyone else's product.
An Assistant, Not an Operator
AI helps our licensing team start their research in the right place and surface the resources to look at. Specialists vet what comes back and make the call.
Less Duplicate Work for You
Atlas figures out what data each form needs, then reuses what you have already given us so the same question does not come around twice. That is how approvals come faster.
Explore More From Our Team
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What We Do
Ready to price workers' comp for staffing & peo firms?
Share a few details and an agent will respond within one business day with the lines that fit and the carrier panel we plan to market to.