PEOPayGo (Inc 5000 #1809, 1-800-355-7741) is a fast-growing Miami PEO that bundles workers comp with payroll. Comp Ninjas is a workers comp specialist that lets you keep your existing payroll. Here is the full comparison.
Every feature that matters when choosing workers comp for a hard-to-place Florida business.
| Feature | Comp Ninjas | PEOPayGo |
|---|---|---|
Business Model | Workers comp specialist — PEO and standalone options | PEO bundle — workers comp requires payroll migration |
Workers Comp Without Payroll | Yes | No |
Same-Day Certificate of Insurance (COI) | Yes | Limited |
Pay-As-You-Go Billing | Yes | Yes |
No Annual Audit | Yes | Yes |
No Large Deposit Required | Yes | Yes |
Transparent Published Pricing | $875 flat setup fee — published | Not published — “Get your Instaquote” |
Standalone Workers Comp (No Payroll Bundle) | Yes | No |
Bilingual Service (English + Spanish) | Yes | Limited |
Online Quote Without Phone Call | Yes | Yes |
Roofing & High-Hazard Construction | Yes | Limited |
Towing & Trucking | Yes | Limited |
Agriculture & Farm Labor | Yes | Limited |
Home Health & Caregivers | Yes | Limited |
Staffing Agencies | Yes | Limited |
Owner-Only / 1-Employee Coverage | Yes | Yes |
Broker / Agent Referral Program | Yes | No |
Class Code Library (NCCI) | 135+ FL class code pages + NY + CA | No |
Florida Coverage | Yes | Yes |
California Coverage | Yes | Limited |
New York Coverage | Yes | Limited |
JUA / Assigned Risk Escape | Yes | Limited |
PEOPayGo offers workers comp, payroll, HR, and mobile onboarding as an integrated platform. Their Instaquote, mobile app, and text-message onboarding are all designed around their payroll system. To access their workers comp coverage, you must migrate your employees to their payroll platform.
For contractors who already have a payroll provider they trust — or who use a CPA for payroll — this is a significant disruption. Switching payroll mid-year creates tax filing complexity, W-2 reconciliation issues, and employee confusion.
Comp Ninjas provides workers comp through a PEO arrangement without requiring you to change your payroll provider. Your existing payroll setup stays in place. You get the PEO workers comp benefits — no deposit, no audit, same-day COI, pay-as-you-go billing — without the disruption of migrating your entire payroll.
This matters most for established contractors who have been with the same payroll provider for years, use a CPA for payroll, or have complex multi-state payroll requirements.
PEOPayGo's workers comp is inseparable from their payroll platform. Comp Ninjas provides PEO workers comp without requiring you to switch payroll providers. Keep your CPA, keep your payroll system, and get workers comp coverage the same day.
PEOPayGo does not publish pricing — you must complete their Instaquote process to get a rate. Comp Ninjas charges a flat $875 enrollment fee with no hidden charges. You know exactly what you are paying before you commit.
PEOPayGo says they cover "any industry" but does not publish class code coverage details. Comp Ninjas explicitly covers roofing (5551), towing (7219), trucking (7380), agriculture (0042), home health (8835), and staffing — the industries that most PEOs and carriers decline.
PEOPayGo displays "Hablamos Español" but their website is primarily in English. Comp Ninjas has a fully bilingual English/Spanish website, Spanish-language blog content, Spanish quote forms, and a Spanish-speaking service team — a complete bilingual experience for Hispanic contractors.