Solutions

Workers' Comp

Coverage, safety, and claims — handled.

Workers' compensation shouldn't mean big upfront deposits and a stressful year-end audit. Through Spirit HR's PEO model, your coverage is tied to your actual payroll — pay-as-you-go — with the administration handled for you.

We help with safety programs, certificates of insurance, and claims, so an injury doesn't turn into an ordeal for you or your employee.

What's included

  • Pay-as-you-go workers' comp coverage
  • No large upfront deposits
  • Premiums based on actual payroll
  • Fewer year-end audit surprises
  • Claims management & support
  • Certificates of insurance on demand
  • Injury reporting & tracking
  • Return-to-work programs
  • Safety program guidance
  • OSHA recordkeeping support
  • Experience-mod guidance
  • Carrier coordination

How it works

  1. Coverage is set up — tied to your real payroll, not a big deposit.
  2. Premiums adjust automatically — calculated each pay period.
  3. We support claims & safety — COIs and guidance when you need them.

Questions, answered

How does pay-as-you-go work?

Premiums are based on your actual payroll each pay period, which reduces large upfront deposits and year-end audit surprises.

Do you help with claims?

Yes — we support you and your employee through the claims process.

Can you provide certificates of insurance quickly?

Yes — COIs are handled for you.

What the research shows

The return on investment of using a PEO, in cost savings alone, is 27% — with workers' comp coverage, claims, and certificates handled as part of the package instead of a separate headache. (Source: NAPEO industry research)

At a glance
Workers' comp without the big deposits and year-end audit surprises — plus safety support and certificates handled for you.
Get a Free Cost Analysis(405) 951-5300
Spirit HR expert
Your Spirit HR expert
When one of your people gets hurt, I'm the first call — I manage the claim and the policy so you can focus on getting them healthy and back to work.
Nicole Rockenbach
Risk & Financial Analyst

Let's talk about your HR.

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