A Professional Employer Organization (PEO) gives small Florida businesses access to group insurance rates, same-day COI, and coverage for industries standard carriers decline.
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These Florida compliance and safety notes are linked to the governing source. They are educational information, not legal, safety, or underwriting advice.
Florida’s Proof of Coverage Database notes that when a client company uses an employee leasing company or PEO, only workers reported to and accepted by that PEO have workers’ compensation coverage. Confirm the covered worker roster directly with the PEO.
Source: Florida Division of Workers’ Compensation Florida Proof of Coverage Database
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A Professional Employer Organization (PEO) is a company that enters into a co-employment relationship with your business. Under this arrangement, your employees are technically co-employed by both your company and the PEO — allowing your workers to be covered under the PEO's master workers' compensation insurance policy. Comp Ninjas operates as a PEO for Florida employers in hard-to-place industries.
This co-employment structure gives small Florida businesses access to the same group workers' comp rates that large corporations enjoy. Instead of paying high individual market rates, your business pays group rates pooled across thousands of employees under Comp Ninjas' master policy — typically 20–40% lower than individual market rates.
For Florida contractors, towing companies, trucking operators, agricultural employers, home health agencies, and staffing companies, the Comp Ninjas PEO model is transformative. Industries that standard carriers routinely decline — including construction (class codes 5551, 5645), towing (7219), and staffing — can get covered through Comp Ninjas' group policy with a same-day Certificate of Insurance.
Your business becomes part of our PEO's employer group. Your employees are co-employed under the PEO's master policy — giving you access to group insurance rates normally reserved for large corporations.
All your employees are covered under the PEO's workers' compensation master policy. Coverage is active from day one, and your Certificate of Insurance is issued the same business day.
Instead of a large upfront deposit, you pay workers' comp premiums each payroll cycle based on actual wages paid. No estimates, no surprises, no large year-end audits.
When a worker is injured, our claims team manages the entire process — from first report of injury through medical treatment, return-to-work coordination, and final resolution.
Hire 5 workers this month and 50 next month? Your coverage scales automatically. Pay-as-you-go means you never overpay for workers you don't have.
| Feature | PEO (Comp Ninjas) | Traditional Policy |
|---|---|---|
| Upfront Deposit | None — pay as you go | Large deposit (10–25% of annual premium) |
| Premium Calculation | Based on actual payroll each period | Estimated at start, audited at year-end |
| Hard-to-Place Industries | Accepted (construction, roofing, towing, etc.) | Often declined |
| New Business | Accepted | Often declined or high rates |
| High Experience Mod | Accepted | Often declined above 1.0 |
| COI Issuance | Same business day | 3–7 business days |
| Year-End Audit | Minimal — payroll already verified | Large audit, potential additional premium |
| Bilingual Support | Yes — English & Spanish | Rarely available |
Group rates 20–40% below individual market rates for most classifications.
Certificate of Insurance issued the same business day in most cases.
Construction, roofing, towing, trucking, ag, home health, staffing — all accepted.
Pay-as-you-go means no large upfront deposit. Premium matches actual payroll.
Full English and Spanish support for Florida's diverse contractor workforce.
From 1 employee to 500+. Our PEO program scales with your business.
A Professional Employer Organization (PEO) like Comp Ninjas enters into a co-employment relationship with your Florida business. Your employees are co-employed under Comp Ninjas' master workers' compensation policy, giving you access to group insurance rates normally reserved for large corporations. This means lower premiums (typically 20–40% below individual market rates), same-day COI issuance, and coverage for Florida industries standard carriers decline — including construction, roofing, towing, and staffing.
PEO workers' comp through Comp Ninjas requires a one-time $875 setup fee. After that, your premium is calculated each payroll cycle as a percentage of actual wages paid — no large upfront deposit. Rates vary by industry classification code, but PEO group rates are typically 20–40% lower than individual market rates.
Yes. This is one of the primary advantages of Comp Ninjas' PEO program. Because your employees are covered under Comp Ninjas' master policy, your individual Florida business risk is pooled with thousands of other employers. Industries that standard carriers routinely decline — construction, roofing, towing, trucking, agriculture, home health, staffing — are accepted through Comp Ninjas' PEO program in Florida.
With Comp Ninjas, Florida employers can get workers' comp coverage bound and a Certificate of Insurance (COI) issued the same business day in most cases. Submit the Comp Ninjas quote form, get approved, pay the $875 setup fee, and your COI is emailed to you within hours — ready to submit to your general contractor, project owner, or the Florida DFS.
If you leave the PEO program, your co-employment relationship ends and your workers are no longer covered under the PEO's master policy. You would need to obtain a traditional workers' comp policy. We recommend discussing your situation with our team before making any changes to ensure continuous coverage.
Yes. While Comp Ninjas specializes in Florida workers' comp for hard-to-place industries, Comp Ninjas' PEO network covers employers in most U.S. states. Contact Comp Ninjas to confirm availability in your state and get a same-day COI quote.
Same-day COI. No large down payment. Bilingual support. Get your free quote in 2 minutes.