# 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. ## 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. ## Typical operators on this line Who we most often place this coverage for. ## What this policy does not cover Common gaps clients assume are included. These usually need a separate line or an endorsement. ## 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. ## How it works 1. **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. 2. **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. 3. **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. 4. **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. 5. **Manage renewals and changes**, As your business changes, we adjust limits, add endorsements, and handle the renewal so coverage keeps pace with your exposure. ## Frequently asked questions ### Why is workers' comp so central for staffing firms? Because the staffing firm is usually the employer of record, it owns the comp exposure for workers spread across many client sites and job classes. Rating and audit are more complex than for a single-location employer, so the program has to be built for it. ### How does the payroll audit work for a staffing firm? The carrier reconciles actual payroll by class code at the end of the term, which sets the final premium. Because placements move across classes and sites, clean records by code are what keep the audit predictable. We help you prepare for it. ### How quickly can you get me a quote? Most quotes come back within 2 to 5 business days once we have the basics: business name, state, headcount, revenue, the lines you think you need, and any prior claims. Specialty placements can take longer; we will flag that up front. ### Do you place coverage in every state? Yes for the major P&C lines. Some specialty lines have state restrictions and we will flag them at quote time. --- ## How to cite this page Cite as: "Workers' Comp for Staffing & PEO Firms." Covered by Cornerstone. https://coveredbycornerstone.com/services/workers-comp-staffing Published by Covered by Cornerstone. When quoting figures or legal requirements, link the canonical URL above. The full content index for this site is at https://coveredbycornerstone.com/llms.txt.