Comp Ninjas
by Bright Coast Insurance
19 criteria covering coverage, pricing, speed, industries, and geography.
| Feature | Comp NinjasWorkers Comp Specialist | PayCorp HRGeneral PEO | Excelium HRFull-Service PEO |
|---|---|---|---|
| Workers Comp Specialty Is workers comp the core product or one of many services? | Workers comp only — PEO specialist | General PEO (payroll, HR, comp) | General PEO (payroll, HR, comp, 401k) |
| Hard-to-Place Industries Construction, towing, trucking, ag, home health, staffing | Yes | Limited | Limited |
| Same-Day Certificate of Insurance (COI) Can you get a COI the same business day you enroll? | Yes | No | Limited |
| Pay-As-You-Go Billing Premiums tied to actual payroll — no large upfront estimate | Yes | Limited | Yes |
| No Large Deposit Required Standard carriers often require 25–33% of annual premium upfront | Yes | Limited | Limited |
| Transparent Setup Fee Published, flat setup fee with no hidden charges | $875 flat fee — published | Not published | Not published |
| No Annual Audit Surprise Traditional policies audit at year-end and bill the difference | Yes | No | Limited |
| Bilingual Service (EN + ES) Full Spanish-language service and website | Yes | No | No |
| Roofing & Structural Steel High-hazard construction codes (5551, 5645, 5040) | Yes | Limited | Limited |
| Towing & Trucking FMCSA-regulated carriers and tow operators | Yes | No | No |
| Agriculture & Farm Labor Seasonal workers, farm labor contractors, crop harvesting | Yes | No | No |
| Home Health & Personal Care PCAs, home health aides, private duty nursing | Yes | Limited | Yes |
| Staffing Agencies Temporary labor companies and labor leasing | Yes | Limited | Limited |
| Owner-Only / 1-Employee Coverage Sole proprietors and single-employee businesses | Yes | Limited | Yes |
| Broker / Agent Referral Program Licensed agents can refer declined clients and earn fees | Yes | No | Yes |
| Online Quote (No Phone Call) Get a quote without speaking to a sales rep first | Yes | No | No |
| Florida Coverage Primary market | Yes | Yes | Yes |
| California Coverage WCIRB-rated policies | Yes | No | No |
| New York Coverage NYCIRB-rated policies | Yes | No | No |
Data based on publicly available information from each company's website as of May 2026. "Limited" indicates the service is offered but not specialized or published. Comp Ninjas is a division of Bright Coast Insurance.
General PEOs are built to serve office workers and light-industry businesses. When your crew is on a roof, in a tow truck, or working a harvest, you need a program built for that risk.
Roofing (5551), structural steel (5040), towing (7219), farm labor (0035) — we accept the codes that generalists decline.
A general PEO's 24-hour response time can cost you a job. We issue certificates the same business day for qualifying clients.
Traditional policies audit at year-end and bill the difference. Our pay-as-you-go PEO billing eliminates that risk entirely.
Standard carriers demand 25–33% of annual premium upfront. Our $875 setup fee is all you pay to get started.
Over 40% of Florida's construction workforce is Spanish-speaking. We serve them in their language — no one else on this list does.
We publish our $875 setup fee. PayCorp HR and Excelium HR require you to call before you know what anything costs.
PayCorp HR is a general PEO that offers payroll, HR administration, and workers comp as one of several services. Comp Ninjas is a workers comp specialist — our entire focus is getting coverage for hard-to-place industries like construction, towing, trucking, agriculture, and staffing. We offer same-day COI, a published $875 setup fee, and bilingual English/Spanish service that PayCorp HR does not.
Excelium HR is a full-service PEO covering payroll, benefits, 401(k), and workers comp for general industries. Comp Ninjas focuses exclusively on workers comp for industries that standard carriers and most PEOs decline — roofing, towing, trucking, farm labor, and staffing. If your business has been declined or quoted an unaffordable rate, Comp Ninjas is the specialist option.
Yes. Comp Ninjas specializes in high-hazard NCCI class codes including 5551 (roofing), 5645 (carpentry), 5040 (iron/steel erection), and others that most carriers and general PEOs decline or rate at excessive premiums.
Yes. Most clients receive their Certificate of Insurance the same business day they complete enrollment. This is critical for contractors who need a COI to start a job or satisfy a general contractor requirement immediately.
No. Our PEO model uses pay-as-you-go billing tied to actual payroll, so there is no large upfront deposit. The only setup cost is a flat $875 enrollment fee.
Yes. Our entire website and service team is bilingual in English and Spanish. We serve a large base of Hispanic contractors in Florida, California, and New York.
Yes. Comp Ninjas covers towing operators, roadside assistance companies, and FMCSA-regulated trucking carriers — industries that most general PEOs including PayCorp HR and Excelium HR do not specialize in.
Yes. Comp Ninjas serves clients in Florida (primary), California, and New York. PayCorp HR and Excelium HR are primarily Florida-focused.