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Workers' compensation · built for employers

Stop letting workers' comp run the business.

We find the right route for your risk: specialty PEO access for blue-collar employers or an independent traditional-market search across carriers.

Compare the two routes Review my current policy

No obligation. Placement depends on class codes, payroll, loss history, state, and carrier appetite.

Policy reviewOne review
One review. Two routes. The market that fits.
Class codesverified
Claimsworked
EMR / X-Modexplained
Carrier marketmatched
Blue-collar specialistsConstruction, trades, staffing, transportation
Pay-as-you-go optionsPremium can follow actual payroll
Claims advocacyOpen reserves reviewed before renewal
Independent route reviewPEO and traditional markets compared

Two paths, one objective

The right structure matters as much as the rate.

Some employers need the leverage and infrastructure of a specialty PEO. Others are better served by a traditional carrier search. We start with the business, not a predetermined product.

Often strongest for blue-collar risk

Put difficult risk inside a stronger operating structure.

For eligible employers, a specialty PEO can combine workers' compensation, payroll, claims support, safety resources, and HR administration. The master-policy structure may open a route that a standalone employer cannot access on the same terms.

↘Competitive placementSpecialty appetite for higher-rated class codes.
↻Pay as you goPremium tied to actual payroll rather than estimates.
◎Claims supportMore active follow-up on reserves and closure.
✓One operating layerPayroll, HR, safety, and comp coordinated.

Best fit is determined by state, class-code mix, loss history, payroll, and underwriting.

Request a full analysis →

Proof, with context

Real employers. Documented outcomes.

Percentages travel better than one company's dollar total. Each result is a past outcome, not a promise; your rate depends on your own risk and placement.

NYC high-rise window installation
28%off workers' compensation, documented all-in result
Moved from a national PEO
Alumaline

Came for the comp savings. Stayed for the operating upgrade.

A blue-collar employer compared its incumbent structure against a specialty alternative and cut workers' compensation while adding benefit lines and direct service support.

“We came from ADP and would've been happy just saving the 28% on workers' comp.”
Read the full case →
California excavation contractor
42%lower all-in workers' compensation cost
About 12% → 7% of payroll

A path back when the standard market offered no practical option.

The California contractor moved from State Fund economics to a PEO master policy combining workers' compensation and administration at approximately 7% of payroll.

The placement also eliminated the annual audit and large down payment by moving coverage to a pay-as-you-go structure.
Read the full case →
Greater Boston slate and copper roofing
47.5%lower roofing class rate, year over year
$41.21 → $21.64 per $100 payroll
Art Slate Roofing

Out of the residual market and into a voluntary placement.

The same crew, trade, and payroll moved from residual-market terms to a voluntary-market structure with pay-as-you-go billing.

“The savings paid for our entire safety program — and then some.”
See the documented receipt →
Massachusetts residential construction
52%lower effective workers' compensation rate
About 30% lower net after PEO administration

More than half off the effective comp rate.

The six-employee carpentry contractor moved from an effective rate of about $6.62 to $3.21 per $100 of payroll through a specialty PEO placement.

The workers' compensation rate fell 52%; after administration was included, the net savings remained about 30%.
Manufacturing · coverage lapse disclosed
28%below the prior PEO's workers' compensation cost
Approved and live mid-month
source records retained

A difficult account was not the same thing as an unplaceable account.

The equipment was unusual, coverage had lapsed, and another PEO had declined. A specialty master-policy route was approved with the gap fully disclosed.

Placement quality came from matching the risk to the right underwriting structure.
Read the full case →

What we actually do

Audit the cost. Work the risk. Search the right market.

A workers' compensation review should do more than produce another quote.

01 / Diagnose

Read the policy behind the premium

Review class codes, payroll splits, loss runs, reserves, EMR or X-Mod worksheets, deposits, audits, and renewal timing.

02 / Route

Compare structures before carriers

Determine whether specialty PEO leverage or traditional carrier competition gives the account the stronger starting point.

03 / Manage

Keep working after placement

Claims follow-up, safety resources, audit preparation, and renewal planning continue after the policy is bound.

Do I have to wait until renewal?

Not always. An agent-of-record change may allow immediate service on an existing policy, while a mid-term replacement depends on carrier terms, audit exposure, and available alternatives.

Does a PEO cost more or less?

It depends, which is why the full analysis matters. For blue-collar employers, significant workers' compensation savings can outweigh PEO administration. Employers that also save on health insurance will often see even stronger overall savings. If neither workers' compensation nor health insurance improves, a PEO generally costs more. Benefitra specializes in comparing PEOs and finding substantial savings where the fit exists, and we will tell you directly when it does not.

Can you help if our EMR is high?

Yes. The published modifier typically updates annually, but open claims and reserves can affect future calculations now. We review what is driving the number and which actions may improve the next cycle.

Bring the policy. We'll bring the comparison.

Know your best route before the renewal clock decides for you.

Send the current policy, loss runs, payroll, and most recent experience-mod worksheet. We will show you where the cost is coming from and which market deserves the first look.

Request a workers' comp review Explore the roofing solution

Frequently asked questions

What does Benefitra do for workers' compensation?
Benefitra helps employers evaluate workers' comp markets, EMR pressure, and placement options—often alongside broader benefits and funding conversations.
Can you help if our experience mod (EMR) is elevated?
Yes. Elevated EMR accounts need the right markets, loss-control narrative, and renewal timing. We focus on making that story underwritable.
Is workers' comp the only coverage you handle?
Workers' comp is a core focus for many employers we support, and we also connect employee benefits and health-funding paths when total cost of risk spans both.
How do we get started before renewal?
Share your renewal date, current carrier, and EMR if you have it. Earlier outreach preserves market options—use the quote paths on this page.