Types of Professional Employer Organizations: PEO with Carve-Outs

Coverage provided under PEOs master policy.

Same as "Classic PEO" arrangement.

Coverage provided under your own "stand-alone" policy.

If your company currently has an attractive Workers' Compensation insurance policy in place, some PEOs can "carve out" your coverage under their master policy and assist you with administering your own policy. In some cases a PEO may (due to coverage limitations of their master policy) assist you with obtaining your own "stand alone" policy.  Companies engaged in high risk occupations may present a challenge for a PEO and some PEOs cannot accept them. In any case a StaffMarket participating PEO should provide coverage alternatives.

Coverage provided under PEOs master policy.

Same as "Classic PEO" arrangement.

Coverage provided under your own "stand-alone" policy.

If the PEO is assisting you with obtaining your own policy, then the PEO will take on a more advisory capacity...any adverse claims experience will affect your experience rating and not theirs.

Coverage provided under PEOs master policy.

Same as "Classic PEO" arrangement.

Coverage provided under your own "stand-alone" policy.

If your company currently has an attractive Health Plan in place, some PEOs can "carve out" your coverage under their master policy and assist you with administering your plan. PEOs can assist you with obtaining your own "stand alone" health plan if they cannot offer coverage under a master policy.