Common questions
About workers' comp through a PEO, benefits, and how we work.
How much does it cost?
It depends on your trade, your payroll, and your claims history, so there's no honest flat number. PEOs usually price workers' comp and their service together as one rate on payroll. We get the numbers from our PEO partners and put them next to what you pay now, so you can see the difference in dollars.
Do I have to switch payroll to get comp this way?
Yes. With a PEO, comp is billed through payroll, so the PEO runs your payroll too. Most owners find that's a relief: paychecks, payroll taxes, W-2s, and comp all come from one place.
Do you work with roofers or tree services?
No. Our PEO partners don't take crews that work on roofs or in trees, so we don't quote those accounts.
How fast will I hear back?
Within one business day of your request. A full quote usually needs your current declarations page and loss runs, and we'll tell you exactly what to send.
What's a PEO?
A professional employer organization becomes the co-employer of your crew. It runs payroll and payroll taxes, carries workers' comp under its master policy, and offers benefits. You still run your business, hire, fire, and direct the work. Florida calls PEOs employee leasing companies and requires them to be licensed.
Do I lose control of my employees?
No. You decide who to hire, what to pay, and how the work gets done. The PEO handles payroll, taxes, comp, and benefits administration.
Can I keep my current payroll service and just get comp?
Not through a PEO. Comp through a PEO is tied to its payroll. If you want to keep your payroll setup, a standalone comp policy from an insurance agent is the other route.
I only have one or two employees. Is it worth it?
Sometimes. Some PEOs have minimums, and the math changes with crew size. Tell us your numbers and we'll be straight with you about whether it makes sense.
What about my 1099 workers?
Florida looks at how the work is controlled, not just how someone is paid. In construction, a 1099 worker without their own coverage or exemption can count as your employee for comp. We'll talk through it on the call.
Can I get a certificate of insurance for a GC or a permit?
Yes. Once you're set up, the PEO issues certificates showing your crew is covered.
When should I switch?
Your comp renewal date is the natural time, since it avoids canceling a policy midterm. If you're facing a big audit bill or have no coverage, sooner is better. Start the quote 30 to 60 days before renewal.
Do you work outside the Panhandle?
Yes. We're based in Pensacola and can meet in person from Pensacola to Panama City, and we quote crews anywhere in Florida.
How do you get paid?
If you sign with a PEO, the PEO pays us a referral fee. Quotes are free, and the fee doesn't change your price.
Are you an insurance agent?
No. We're an independent referral business. The PEO provides coverage under its own policy and sets pricing. We gather your details, coordinate quotes, and help you compare.
Still have a question? Email hello@protectmycrew.com or book a 15-minute call.
Find out what your crew would pay
Tell us your trade and headcount. We'll shop it with our PEO partners and send you a side-by-side against what you pay now, usually within one business day.